We don't work for any one insurance company - we work for you, our valued clients. When you do business with Joski Insurance, you're supporting a local business. You are taken care of by a team of professionals who truly care about you and your family. When you do business with our agency, you're not only supporting your local community, but you're being serviced by a local business who knows your name, and your unique coverage needs.
You never have to deal with a call-center again. When it comes to understanding insurance contract language like conditions, exclusions, and limitations, not all insurance agents are created equal. We have in-depth knowledge of many of the various insurance products out there, as well as the companies who offer them.
You never have to deal with a call-center again. When it comes to understanding insurance contract language like conditions, exclusions, and limitations, not all insurance agents are created equal. We have in-depth knowledge of many of the various insurance products out there, as well as the companies who offer them.
Services
Auto insurance provides financial protection against physical damage and/or bodily injury resulting from a traffic collision and losses associated with the incident. Auto insurance may also offer financial protection against theft of and damage to your vehicle sustained from things other than traffic collisions.
Homeowner's insurance also commonly called hazard insurance is a type of property insurance that covers your private residence. Coverage for the structures separated from the dwelling by a clear space or connected by a fence, utility line, or similar connection. This is typically a detached garage or storage shed.
Life insurance provides a cash payout after death to designated beneficiaries. Beneficiaries can be spouse, children, trust, estate, charity or key person of a business. Coverage for life that pays a cash benefit at time of death as long as premiums are paid. Whole life is permanent life insurance and has a fixed premium and accumulates a cash value.
Health insurance and Medicare Health Plans offer coverage for seniors, individuals, families or groups that pay for medical and surgical expenses; disability protection; and/or coverage for skilled-nursing facilities. Health insurance reimburses the insured for expenses, minus copayments, deductibles or coinsurance, incurred from illness or injury, or will pay the provider directly.
Report claims directly to your insurance company as soon as possible, preferably within 24 hours of loss. Most insurers offer claim lines 24 hours a day, 7 days per week and many provide online claim reporting. Please contact your insurance company directly as noted on your ID card or insurance policy or go to the company website for details.
