Most states require you to carry a minimum amount of Liability insurance and also provide proof of insurance to register a vehicle or renew your license. In the case of an accident, the minimum Liability insurance required by the state may not be enough coverage to pay for the damages that result after an accident. In this case, the driver responsible for the accident may have to pay additional expenses out of pocket. To determine how much Auto insurance you need, consider:
• The value of your assets
• How and when you drive
• What you drive
• Who is in the car with you

The term full coverage generally means that the insurance policy has both liability coverage and coverage for damage to your vehicle. The term full coverage does not mean that "everything" is covered no matter what happens. Your Auto insurance Policy Declaration page lists the coverage you have selected. One of our agents can help you select Auto insurance coverage that fits your needs and budget.

Your home is probably the single largest investment you'll ever make. By insuring your home, you are helping to protect your investment. Estimating the cost to rebuild your home will help you decide the amount of insurance you’ll want to purchase. The primary factors that’ll determine the cost to rebuild your home include:
• Local construction costs
• The square footage of your home (and the number of bathrooms and other rooms)
• The type of exterior wall construction – frame, masonry (brick or stone) or veneer
• The type of roof
• The number of floors (one to four stories, bi-level or split level)
• Special features like attached garages, fireplaces, exterior trim and arched windows
• Quality of materials and finishes throughout the home

Determining how much life insurance you need requires a consideration of your current and future financial obligations, along with the resources your family could tap into if needed.
The difference between the two—your financial obligations minus the resources your family has to meet those obligations—is the approximate amount of additional life insurance you would need.