PERSONAL INSURANCE COVERAGE OFFERED BY JONES-STEPHENSON INSURANCE AGENCY

Jones-Stephenson Insurance understands your life and your needs because we are one of you.  Our agents are members of your community.  We can offer personalized service backed up with policies and packages tailored to fit you and your life.  Whether you rent or own your own home, live on a farm or in town, drive a car or ride a motorcycle, are young or old, we can provide the coverage you need for every situation in your life.  Some of our policies can also provide you with multi-line discounts.

Homeowners 

Your home is probably the single largest investment you’ll ever make. It makes sense to protect it against every possible hazard-earthquake, flood, storms, sewer back up, and theft.  We can customize a policy that takes into account the size of your home, where you live, your personal property, and other structures on your property.  We can also provide liability coverage to give you protection and peace of mind.  Liability insurance covers accidental bodily injury, personal injury, and damage to others’ property. Additionally, Jones-Stephenson Insurance can provide you with Identity Theft Expense Coverage and Advocacy Service which guide you in restoring your identity and recovering related expenses and fees should someone fraudulently use your identity.

Renters

Renters coverage is available for those who rent their dwelling. Jones-Stephenson Insurance can provide a Tenants Policy which covers your personal property, improvements to the dwelling for which you are responsible, and additional living expenses should your dwelling become temporarily uninhabitable because of insured damage.  A Tenants Policy can also provide you with liability coverage for bodily injury, property damage, or personal injury to others while they are entering or leaving your premises. 

Auto

When you buy an automobile, come see Jones-Stephenson Insurance first to make sure you are covered no matter what type of accident may occur. We have policies to cover all facets of owning and/or driving a vehicle-collision, comprehensive, liability, property damage, medical payments, uninsured/underinsured motorist, and rental reimbursement are just some of the areas that can be covered in your policy.  Some of our plans also include roadside assistance for a mechanical/electrical breakdown, dead battery, flat tire, and/or lock-out. 

Boat/Motorcycle/RV 

Jones-Stephenson Insurance can provide you with a policy for all of the other motorized vehicles you own.  We can make sure you are covered in the same way you are under your primary auto policy with comprehensive, collision, liability, medical payments, and uninsured/underinsured driver.  Whether your vehicle has only factory installed equipment or is customized, we can provide coverage for any situation.

Life

We know that you want to do everything possible to protect your family’s future.  Jones-Stephenson Insurance can customize life insurance policies to suit your family and your lifestyle with flexible and affordable coverage to protect your family, your income, your assets, and your future.  Whether it is term life, whole life, or universal life insurance, you can rest easy knowing that your family will be taken care of even if you’re not around.

Disability

If you are unable to work due to a disabling injury or sickness, disability income insurance can provide a monthly income for your family.  You can’t always count on workers’ compensation, savings, or Social Security benefits to provide disability income or cover all of your expenses.  You’ve insured your auto and your home, maybe it is time to insure yourself and your ability to provide an income for your family.

Health

Discover affordable health insurance plans that are easily customized to meet your needs. Jones-Stephenson Insurance can help you choose from a variety of options.

Personal Umbrella

In this day and age of large law suits, your primary liability insurance might not be enough to cover all of the claims.  A personal umbrella liability policy from Jones-Stephenson Insurance provides peace of mind.  It builds on the policies you already have by increasing personal liability limits to pay claims above and beyond the amounts already covered.  This policy can prevent lawsuits from leading to a loss of assets and subsequent hardship on your family.

Long Term Care

Are you worried that you might need care in your elder years or outlive your income?  Jones-Stephenson Insurance can help by providing you with an annuity to help you reach your long-term financial goals.  Annuities can offer you a guaranteed minimum interest rate for the life of the contract, a cash surrender value not less than the total premiums paid minus withdrawals, and an option that assures you of an income for the rest of your life.

All policies are subject to company underwriting approvals.