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Homeowners Insurance

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Builders Insurance

Builders Risk / Course of Construction Insurance

The importance of builders insurance is often overlooked when construction is under way. Builders risk insurance is a special type of insurance designed to protect you from financial loss when a structure is damaged or destroyed while being built remodeled. Coverage includes the building itself, all materials on site and, in some cases, the equipment being used.

Any major remodeling of your home or business should be considered for builders risk insurance to avoid coverage gaps.

Auto Insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Business Insurance

Including Worker's Compensation, Business Income
 Interruption & Bonding

Business insurance is specifically designed to protect your business from financial consequences when property damage, circumstances or errors and omissions create legal liability. Compliance with statutory requirements of worker's compensation laws, employment related practices and many other risks may occur during the normal course of business. Business income interruption and extra expense coverage protect you from the loss of income that may be created by a claim. Proper bonding can actually help a business increase its revenue while protecting its reputation. Ideally your business insurance is designed to protect you as the business owner as well as the business itself.

Talk to your agent today to see what kind of coverage you and your business need.

Health Insurance

Individual, Group & Medicare Advantage and Medicare Supplements/Medigap

Health insurance is designed with your well being in mind. Nothing is more important than the medical care you need to restore your health after an accident, injury or illness. All plans include NO cost preventive care; some include preventive prescriptions. Most plans will include mental health, cover alternative care, prescription and rehab benefits.

Group coverage is an important employee benefit to retain and attract quality employees by improving their access to care. When you provide benefits it reduces your tax liability, yields employee satisfaction and reduces absenteeism.

With this much information and important choices to make, Summit Insurance offers the expertise needed to make the right decisions.

Affordable Health Care Information

Our service to our clients goes well beyond selling insurance. We believe that an integral part of our service to our clients is to fully understand their insurance needs and requirements at the beginning and then to be there to provide advice and assistance throughout the life of the agreement.

Disability Insurance

If you are part of the 95% who suffer a non word-related injury or illness, this is not covered by work comp. How will you maintain your current standard of living and replace your loss of income? Without disability insurance the financial consequences range from serious to catastrophic, personally and to your business.

Many people do not realize how much expenses might increase due to medical treatment costs or a need for supplemental care such as home health or outpatient therapies. This compounds the financial hardship, especially when your ability to earn income has been reduced or lost completely. As a result, decisions about health care choices are impacted. Personal relationships are stressed and the likelihood of foreclosure or bankruptcy increases!

Life Insurance

After a death many families and businesses are most vulnerable to financial loss. You and your family and/or business partners have made countless sacrifice to acquire what you have and we care to protect what matters most to you.

Securing the financial well being of your family and/or business before an untimely death gives you and your loved ones an invaluable peace of mind. The confidence that life insurance provides is more important to your family and business associates than you could ever imagine.

Over the years life insurance has changed dramatically. If your policy was purchased longer than 8 years ago, allow us to review your policy to make sure the death benefit is adequate, the beneficiary accurate, and if the policy is the right duration and right type.

New life insurance can be used while alive and benefits may be used to offset costs due to chronic or critical illness while preserving the death benefit. If you have a terminal diagnosis, the accelerated death benefit allows you to use up to 75% of the death benefit for experimental or alternative care or to simply support your family and/or business you are alive.

Life insurance is easier to acquire and more economical when you are still young and in good health. Now is the best time to secure life insurance.

Toys Insurance

In our area, recreational opportunities are endless. When the time comes time to play, play it safe and make sure you are properly insured. Summit Insurance offers a variety of insurance policies, which we can tailor to fit your specific needs throughout the seasons.

Toy insurance provides financial protection to the operator and the public for damage to, or loss of the item. Proper insurance for your toys makes your outdoor fun worry free.

Umbrella / Excess Liability

Affordable coverage you can’t afford to be without. In the blink of an eye, a costly lawsuit could jeopardize your home, car, property, savings, investments and even your future income. This policy will extend liability coverage to protect you and your family whether a claim results from your property, your actions, your animals and more — worldwide.