Personal Insurance

Personal Insurance

We believe every person deserve access to sound, informed insurance advice. Regardless of your situation, we're ready to help protect your future. Come rain or shine we'll keep what matters most safe.

Learn more
Commercial insurance

Commercial insurance

When it comes to commercial concerns, few firms know business insurance products like we do. Take advantage of a team that remains flexible and vigilant, so you don't have to.

Learn more

CULTIVATED FOR YOU

Fallen Tree Damage—Who Pays?

As a homeowner, are you responsible for the damage caused by a tree on your property that hits your neighbor’s home or other insured structure, such as a garage or shed?

In most cases, the answer is “no.” When such damage occurs to your neighbor’s home due to forces outside your control, e.g., weather events, your neighbors may have to file a claim with their insurer to receive a reimbursement for the damage a down tree or branches cause.

There is one exception, however.

If it is determined that the tree damage stems from your negligence (e.g., dead limbs that you refused to cut down, or you chose to trim your tree as a weekend project), then the neighbor’s insurer may come after you to recover their loss—a process called subrogation.

You may want to check your policy or speak to your insurance agent to ascertain if your homeowners policy covers your liability in cases of negligence.

Your Goals, Our Strategies

Discover an array of services for all your insurance needs.

If you drive or own a vehicle, being insured is more than just a convenience – it’s a necessity.

Learn more

Homeowners insurance products can help you protect your home and belongings should disaster strike.

Learn more

With decades of experience, we're excited to make sure you get the coverage you need before you need it most.

Learn more

Life can move pretty fast sometimes. Having life insurance can ensure you and your loved ones remain protected even during life’s unexpected events.

Learn more
Helpful Content

Helpful Content

Curated articles, videos, and more for a more educated you.

<p>Forecast</p>

Forecast

Life is as unpredictable as the weather. We’d love to help you prepare.
Learn More
<p>Assess Your Life Insurance Needs</p>

Assess Your Life Insurance Needs

This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
Learn More
<p>Universal Life Insurance</p>

Universal Life Insurance

Universal life insurance is permanent insurance with a flexible premium. Here's how it works.
Learn More

Have a question?