Services

Home & Auto Insurance

Homeowners policies cover most property or liability perils—such as fire or theft or hail and or windstorm—to which the homeowner is exposed. Coverage includes the home, detached structures on the property, as well as personal possessions in the structures. Standard homeowners insurance DOES NOT cover flood damage; a separate policy can be purchased for that peril. Your local Midwest Regional Agency professional agent can tailor a package to fit your needs.

Automobile insurance is the most purchased insurance in the United States and is required in most states to be able to license your vehicle. Different coverages can be purchased based on your individual needs. Some common coverages available are: Bodily Injury/Property Damage Liability, Medical Expense or PIP, Uninsured Motorist or Underinsured Motorist coverage, Comprehensive, Collision, Emergency Road Service or Towing, Rental Reimbursement, Accidental Death, and Lease/Loan Gap coverage. Your local Midwest Regional Agency professional agent can tailor a package to fit your needs.

Farm Insurance

Policies are available to protect farm owners and ranch owners, as well as agri-businesses, against a number of perils and liabilities. Coverage is available to protect your home and its contents, as well as farm or ranch buildings and all sorts of liability risks. Other coverages available are–but not limited to–machinery, livestock, commercial exposures, irrigation systems, seasonal homes, and many more options to fit your individual needs. Coverages are also available on many types of agri-businesses such as feedlots and dairies, just to name a couple. Standard farm insurance DOES NOT cover flood damage; a separate policy can be purchased for that peril. Your local Midwest Regional Agency professional agent can tailor a package to fit your needs.

Business Insurance

Insurance for all types of commercial establishments from retail to wholesale; manufacturing to offices, are available. These policies can protect a business from a variety of property and liability exposures, protect your lost income, provide coverage to your employees for work-related injuries, employee benefits, business auto, and much more. Your local Midwest Regional Agency professional agent can tailor a package to fit your needs.

Life & Health Insurance

Life insurance is very different than that of property/casualty insurance. The main purpose of life insurance is to cover the risk of dying too early and leaving your loved ones without support. Policies can help beneficiaries maintain their standard of living after a policyholder dies. It can also protect the beneficiary and the insured from the possibility of outliving one’s assets.

Health insurance policies pay benefits to insureds who become ill or injured. Policies can be purchased either as an individual or as an employer in the form of a group policy. Your local Midwest Regional Agency professional agent can tailor a package to fit your needs.

Annuities

These products provide a return that is usually much better than a bank CD and are safer than the risk of loss in the stock market. Annuities are a popular method of providing yourself with a safe growth method for retirement. They are also a great tool to provide a guaranteed income once you do retire. Your local Midwest Regional Agency professional agent can tailor a package to fit your needs.

Umbrella Insurance

This is a coverage that basically affords high limit protection in excess of the limits of the primary policies as well as additional liability coverages. The additional liability coverages are usually subject to a self-insured retention (or deductible). The term “umbrella” is derived from the fact that it is a separate policy over and above any other basic liability policies the insured may have. Your local Midwest Regional Agency professional agent can tailor a package to fit your needs.

Motorcycle/ATV/RV/Watercraft Insurance

With all the “toys” we collect nowadays, your local Midwest Regional Agency professional agent can tailor a package to fit your needs to protect all those things that you enjoy!

Crop Insurance

This coverage can come in many different levels of coverage: “multi-peril” and “crop-hail” being the two most common. Traditionally, crop-hail coverage was the most common coverage sold. In recent years, multi-peril coverage is the number one seller. This type of insurance is unique in that it is a public/private market product. Overseen and regulated by the federal government, policies cover growing crops against such perils as hail, wind, and fire. Your local Midwest Regional Agency professional agent can tailor a package to fit your needs.

Disclaimer: This is by no means an all-inclusive list of insurance lines of business or coverages that can be purchased. Check with one of our agents to further discuss any questions you may have.