Payne Insurance & Financial Services

Our clients have been choosing our agency to insure their cars and other vehicles because of our competitive prices and personal customer service, but our policies offer so much more. Our auto insurance policy protects you against financial loss if you have a car accident. General types of auto insurance coverage include property, liability, medical, uninsured and underinsured motorists, comprehensive and collision coverage.

To an ATV rider, there might be nothing quite like taking a ride out in some sand dunes out in the middle of the desert, or blazing through the trees in the forest. Whatever the activity, there's no denying that riding an all-terrain vehicle is fun. However, it can also be risky.

With a good variety of coverage types available, you should be able to work with an ATV insurance provider to create a policy that can provide you with maximum protection.There are multiple types of coverages available that you can choose from to create a comprehensive ATV insurance policy. Bodily injury - This type of coverage with help pay for costs associated with injuries suffered by others in an accident for which you are responsible.

A classic, collectible or antique car is no ordinary car-and regular auto insurance is not sufficient to protect such a vehicle against damage or loss. That said, there is no uniform definition of a classic car. If a car's value exceeds its original selling price, then it might be considered collectible and a candidate for specialized classic car insurance.

If you have purchased a condo or co-op, the bank will require insurance to protect its investment in your home. You may, however, need more insurance to cover your personal items, liability or fees that may be charged to you regarding shared areas of the building like the lobby.

This provides coverage for your personal possessions, structural improvements to your apartment and additional living expenses if you are the victim of fire, theft or other disaster listed in your policy.You also get liability protection. This covers the common areas you share with others in your building like the roof, basement, elevator, boiler and walkways for both liability and physical damage.

Business General Liability insurance is often simply referred to as General Liability insurance. This significant protection to a business covers claims of property damage and/or bodily injury to a 3rd party caused by your business operations, from the insured premises, or when someone is injured as the result of using the product manufactured or distributed by your business.