Your one-stop shop for all your insurance needs.
From your car and home to your family, business and adventures, we can help you explore coverage in one place. Browse the options below, then call or text our office to talk through what fits your needs.
Auto insurance
From daily commutes to a new driver in the household, an auto policy should reflect the vehicles and people it covers. We help you look beyond the premium and understand the tradeoffs between coverage and deductibles.
Let's discuss: liability limits; collision and comprehensive coverage; medical and uninsured/underinsured motorist options; deductibles; and possible discounts or multi-policy options. Bring your current declarations page if you have one. Coverage and eligibility depend on the insurer and policy.
Home insurance
Your home and what is inside it deserve a careful review. Whether you are buying a home, renovating, or updating an older policy, we can help you ask useful questions about how it responds after a covered loss.
Let's discuss: dwelling and other-structure limits; belongings; personal liability; additional living expenses; deductibles; and any special items or risks. Standard homeowners policies generally do not cover flooding, so ask us about separate flood options. Renters and condo coverage may be a better fit for some households.
Life insurance
A life insurance conversation starts with the people who depend on you. Marriage, children, a mortgage, a business or a change in income can all be good reasons to review an existing policy or explore a new one.
Let's discuss: dependents and debts; current coverage; beneficiaries; how long protection is needed; and the difference between term and permanent options. Pricing, features and approval depend on the policy and underwriting. We can help you prepare the questions that matter for your family or business.
Business insurance
A storefront, a vehicle, employees or a new contract can change a business's risk. Tell us what your company actually does, and we can discuss options suited to its operations rather than start with a generic checklist.
Let's discuss: general liability; commercial property; commercial auto; workers' compensation; equipment; and insurance requirements in leases or contracts. Adding locations, staff or new kinds of work is also a good prompt for a review. Availability varies by business and carrier.
Recreational insurance
The things you take beyond the driveway have their own coverage questions. We can talk through your motorcycle, boat, personal watercraft, ATV, off-road vehicle, motor home or travel trailer.
Let's discuss: the make and model; how and where you use it; storage and seasonal use; liability; physical damage; and accessories or equipment. Do not assume a home or auto policy provides the protection you want for a recreational vehicle—ask us to review the details.
Talk with a local agent.
The Stone Insurance Agency is a Farmers Insurance agency with access to additional carriers for certain products.
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