Family Insurance

“As a member of Strate Insurance Group, Inc. I pride myself on our Strate Edge Service Standards. I am committed to earning your Trust and building a Relationship that lasts for a lifetime. I will listen to your concerns and by applying both my industry Experience and Knowledge, I know that together we will establish an insurance plan that protects your most cherished possessions.”

Customer Comments

“Thank you very much for your recent extraordinary effort in helping me with an insurance question. This was on a Saturday and initially I called Tom. He said he would get you right on it. Even though you were out of town you called me back by that evening with the information I needed and put my mind at ease. This is the kind of service that comes only from doing business with a top firm like Strate; one that is located in our community.”

Bonnie Burchfield, CISR
Account Executive
Family Insurance
423-318-5804
Email

Due to the litigious society that we live in, adequate personal insurance limits are imperative to protect you from the loss of your personal assets. You can calculate adequate limits for your personal situation by evaluating the value of your personal contents, real estate property, other tangible assets, and your current and future potential income.

Insurance is not just about liability coverage. We also provide coverage to protect your family from devastating losses such as fire or tornado. Our goal is to assist you in designing an insurance plan that is right for your needs. Our commitment is that when you have a loss, you will be able to maintain the lifestyle you have worked so hard to attain.

AUTOMOBILE INSURANCE

Contact us today for more information about Auto Insurance or fill out our online quote form.
If you have questions about the appropriate automobile insurance coverage that’s right for you, we will be happy to talk with you and pinpoint the coverages best suited to your needs. We represent many different insurance companies, so we can offer the most competitive premium.

Auto policies typically cover repairs to your covered automobile, payments for some medical expenses and liability protection.

Policy Coverage

Bodily Injury to Others
Damage to Someone Else’s Property

Optional Coverages

Medical Payments
Uninsured Motorist Bodily Injury and Property Damage
Collision
Comprehensive (other than collision)
Substitute Transportation
Towing and Labor
Death Indemnity
Custom Equipment (i.e. Special Stereos, Tires, Paint, Wheelchair Lifts, etc.)

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HOMEOWNERS INSURANCE

The biggest investment most people will ever make is in their home. That’s why it makes sense to protect the sizable investment you’ve made in your own home with a comprehensive homeowners plan.

A homeowner policy can provide protection for both your dwelling and your personal property against a wide variety of losses as well as liability protection. Condominium owners also have a similar need for insurance. Coverage may vary from one company to another. It is important to review the “perils” or causes of loss in your policy. Other important coverage and premium factors include deductibles and additional endorsements which can usually be added to your policy for an additional premium to broaden coverage when needed.

Basic Protection You Need For:

Your home
Other buildings or structures on your property
Your personal belongings – furniture, clothing, appliances, etc.
Additional living expenses
Your personal legal liability
Medical payments

Special features you can choose for additional security

Home Replacement Cost
Replacement Cost on Contents
Increased limits for jewelry or collectibles
Boat Docks
Golf Cart liability
Liability extended to additional location

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RENTERS INSURANCE

As a tenant in a dwelling or an apartment, you need to protect your personal belongings against fire, theft and other causes of loss that might occur. You should also purchase liability coverage similar to the coverage found in most homeowner policies.

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EARTHQUAKE INSURANCE

Earthquake coverage is not automatically included in homeowners coverage, but it is offered as an endorsement to your policy and requires an additional premium. A separate deductible applies to this endorsement.

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FLOOD INSURANCE

“Your home has a 26% chance of being damaged by a flood during the course of a 30-year mortgage, compared to a 9% chance of fire.”

Last year, one-third of all claims paid by the NFIP were for policies in low-risk communities. SOURCE: floodsmart.gov

Flood insurance is not provided in a homeowner’s policy. It is purchased as a separate policy and it is available to homeowners, whether located inside or outside of a flood plain.

Helpful Links on Flood Insurance:

http://www.insurors.org/Content/NavigationMenu/Products/DisasterPreparednessGuide/default.htm

http://www.floodsmart.gov/floodsmart/

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PERSONAL UMBRELLA POLICIES

This policy provides an additional limit of personal liability protection available in the event you have a legal responsibility to pay for damages which exceeds your primary limit of coverage on your auto, home and other types of insurance policies. Umbrella limits are purchased in $1,000,000 increments.

Excess uninsured motorist coverage can also be purchased on an umbrella policy. Excess umbrella coverage provides protection to you and your family for medical expenses, home alterations or expenses not covered by your medical insurance.

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MOTORCYCLES & CUSTOM BIKES

We can provide liability insurance for collector motorcycles, antique motorcycles, daily use motorcycles, custom bikes and other recreational vehicles.

Click here to receive a quote right now!