We know how to write policies for whatever you can imagine

Are you looking to have personal insurance for an apartment or rental unit? Do you need home, automobile, motorcycle, boat, or recreational vehicle insurance?

Personal InsuranceWe have the knowledge and expertise to write everything imaginable with your personal lines of insurance needs. Because we are an independent agent we have the market to find the best plan and policy for you. We’re able to shop around many top-rated companies to find what you need for your personal needs.

Do you need life or health insurance?

Our Life and Health department staff are here to answer any questions you might have, and help you connect with the company that is right for you or your family. Our staff is also here to help you navigate though Health Care Reform.

We’ll keep your program current, competitive, and reflective of your needs, all while giving you access to friendly customer service agents with a dedicated processing department. Together our team will stay on top of any change or renewal you need.

We are able to write insurance for:

  • Home
  • Annuity
  • Automobile
  • RV
  • Motorcycle
  • Boat
  • Life
  • Health
  • Apartment
  • Rental Unit
  • Umbrella

Personal Insurance FAQs

If I borrow a vehicle from a friend and I am involved in an accident, whose insurance pays?

In most cases, insurance follows the vehicle first so your friend’s insurance would be the primary coverage. Your policy would be secondary. Always check with your agent on your policy specifics.

Should I be purchasing the collision damage waiver when renting a car?

The policy on rental cars differs with each insurance company, so we suggest that you contact one of our service representatives for a specific answer on your policy. However, most ‘gold’ or ‘platinum’ credit cards (Visa, MasterCard, AMEX) will cover damage to a rental car. If possible, rent the vehicle using one of these types (gold/platinum) of credit cards.

What is a deductible?

A deductible is the set dollar amount which must be paid by the insured for each benefit period or calendar year for covered services before the insurance begins making payment.

Why does my homeowners coverage continue to increase each year?

The increase in coverage reflects the increase in the replacement cost of your home. The replacement cost was originally determined at the inception of your policy. Insurance companies automatically update the replacement value of your home each year based on the building cost inflation factor for your zip code. The cost of building a home can in many cases be higher than the cost to purchase the home including the land. This is due to the fact that the cost of building materials and labor increase even when real estate value has decreased.

Why is my mortgage company requesting that I supply a copy of my insurance policy?

Mortgage companies want to make sure that their interest in the property is properly protected by insurance. At renewal, insurance companies send a copy of your policy to the mortgagee listed on the policy. Often mortgage companies sell mortgages to other companies or change addresses without notifying the insurance company. Any request for proof of coverage should be mailed or faxed to Stolly Insurance Group. We will send the proper evidence of insurance to your lender.