Taylor Agency

With the resources available to Taylor Agency, we have the ability to provide coverage for the difficult to place risk, to the high value risk. For the insureds that qualify, we have preferred rates and competitive rates for the high risk insureds. Following are some of the personal insurance coverages we provide.

Homeowners Insurance: A homeowners policy is insurance coverage for your residence's and your personal property, where you live and what you own. Homeowners insurance is divided into two sections: property and personal liability. Property coverage includes dwelling (the actual building in which you live), other structures (detached garage, barn, shed, etc.), personal property (furniture, clothing, TV, VCR, etc.), and loss of use (if your home becomes uninhabitable due to a covered peril such as fire, wind, etc.). Personal liability means that if a claim or lawsuit is brought against you under the policy, the insurance company will represent you and pay any damages for which you are legally responsible.

Automobile Insurance: Any kind of insurance pertaining to the ownership, maintenance, or use of automobiles. Liability insurance provides protection against claims alleged for bodily injury and property damage. Comprehensive insures against loss or damage to a covered vehicle resulting from loss excluding collision or upset. Collision coverage insures against loss or damage to a covered vehicle resulting from collision or upset.

Dwelling Fire/Rental Property: Your dwelling is insured for the covered perils named in the policy such as fire and lightning, windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, smoke damage, vandalism or malicious mischief, theft, breakage of glass, etc. You also may have the option to purchase a policy which coverage is provided on a special perils basis subject to exclusions. This is generally the broadest policy available.

Tenant Homeowners: This is a Homeowners policy specifically designed to meet the needs of tenants. Unlike other homeowners forms, insurance is not provided for a dwelling although coverage for any building additions and alterations that you might have an interest in can be added by endorsement. Your personal property is protected against such covered perils as fire, wind etc. Also insurance is provided for the loss of use of your premises as well as personal liability and medical payments protection as specified in the policy.

Jewelry, Furs, Guns, Fine Arts and Collectibles: This coverage is used to extend your Homeowners policy to provide open perils protection and scheduled limits of coverage for the personal property items specified in the form.

Watercraft: This coverage insures against liability claims arising out of the ownership, maintenance and use of a watercraft. Coverage against loss of the watercraft including all equipment that is permanently attached is also an option.

Personal Umbrella Coverage: This insurance provides a higher limit of coverage that is excess over your scheduled primary policies. It is used in one of the following ways: (1) to provide additional limits of protection over the coverage listed in your underlying schedule, (2) to act as primary coverage if your underlying limits are exhausted, and (3) to provide coverage for some risks, subject to a retention, when your primary coverage does not.

Recreation Vehicles

Farm Related Coverage: Designed to insure the various aspects of your farming or ranching operations. It combines coverage for your residential home and farm or ranch buildings, plus liability protection for your personal and farm business exposures. Additional endorsements can be added to insure your livestock, mobile or agricultural equipment, crops and farm or ranch personal property.

Flood Coverage: This coverage is used to provide protection against loss due to damage by flooding. This damage can result in one of four ways: (1) overflow of inland or tidal waters, (2) unusual or rapid accumulation or runoff of surface waters, (3) collapse or subsidence of land because of flooding and (4) mudslides or mudflows that are approximately caused by flooding.

Motorcycle Insurance

Mobile Home Insurance: Mobil homes present special insurance concerns that cannot always be solved by conventional Homeowners or Tenants policies. As a result, a special type of policy called a Mobile Homeowners policy has been developed to meet the needs of mobile home owners.