ROBERT C DEMPSEY AGENCY, INC.

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ATV/Snowmobile Insurance

ATV insurance is similar to other types of vehicle insurance.  Basic liability and property coverage coverage allows you to take your ATV or snowmobile for a spin, but expanding your coverage to include other risks is always worth considering.  We’re geared up to discuss all the options we can offer you.

Boat Insurance

A boat policy insures you and your boat against liability and damage in the event of an accident. The types and amount of coverage you receive depend on the specific boat policy you purchase.  Before you set sail, make sure you have the coverage you need.

Dwelling Fire Insurance

Standard home insurance policies offer general coverage against a variety of hazards. A "Dwelling Fire" policy offers narrower coverage, at what's typically a lower price.

 

Despite the name, Dwelling Fire policies may actually cover more than just fire- and smoke-related damage.  We can help you figure out what your exact needs are.

Farm Insurance

Farm liability insurance is a critical component of protecting your farm. No matter how careful farm owners are, accidents can happen to anyone who comes onto your farm property.

 

A Farm Insurance policy combines the standard coverage offered by a personal homeowners policy with commercial property and liability coverage. The benefit of a farm policy is that it can be customized to the needs of the insured.

Flood Insurance

Most Homeowner policies exclude flood and related losses in general.  This leaves a substantial risk of losses due to water damaged in the event of a flood.

 

Flood insurance policies cover physical damage to your property and possessions.  Even if you are currently outside of a flood zone, other environmental factors may put you at risk of flood damage.  Consult with us to see what coverage may be available.

Home Business Insurance

f you run a home-based business and your inventory is damaged by fire or water, most Homeowners’ policies won’t cover you. Unless you have home business insurance that specifically covers your home-based business, you're on your own.

 

A Home Business insurance policy covers a broader spectrum of contingencies, including loss of critical documents or theft of funds being taken to the bank for deposit.  It may even reimburse you for the cost of recovering some lost computer data for your business. For instance, if you have a computer meltdown and lose your accounts receivable, this policy will usually pay a service to reconstruct your records. It is also likely to provide some business liability.

Homeowners Insurance

The bread and butter policy for every homeowner.  Homeowners insurance is a package policy covering both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This also includes damage caused by household pets.

 

Given all of the expenses that come with owning a home, you may wonder if homeowners insurance is a luxury. The answer is no, it's absolutely essential - to protect yourself and your assets from many common types of damage and injury.

Inland Marine/Scheduled Personal Property

Many of us overlook the value of possessions that are not fully protected by a standard homeowner’s policy.  Inland Marine Insurance (also known as Scheduled Personal Property or Personal Articles) is designed to protect your valuable possessions for which your homeowner insurance coverages may have a coverage limit or exclusion.  We can help you quantify your exposure and provide a policy that will provide adequate coverage for your most valuable belongings.

Personal Auto Insurance

Your car is likely one of the most expensive things you own. Insurance protects your investment and guarantees a way of coping with the expense of accidents, vandalism, or theft. It also secures your financial responsibility with a lender for a vehicle loan.

 

When you drive you are responsible for the safety of your passengers, your fellow drivers, other people’s property, pedestrians and yourself. Insurance helps ensure your ability to cover the costs of potential damages or injuries.  Personal Auto Insurance is mandatory for all drivers.

Personal Life & Health Insurance

Personal Life Insurance protects your family from financial uncertainty in the event of the loss of a loved one.  There are several types of Life Insurance available, to cover a number of needs and scenarios.  We can help you choose a policy that protects you and your family.

 

Health insurance shields against the risk of incurring medical expenses among individuals.  The options for Health Insurance is seemingly endless, with wildly varying costs and coverages.  Our agents can help find a plan that is best suited for you.

Personal Umbrella

When an existing policy’s coverage limit has been reached, an Umbrella policy can pick up where the other policy left off.  These policies help fill the gaps in other existing coverages and provide an additional safety net.  This type of policy is also sometimes called Excess Liability.

Recreational Vehicle Insurance

Recreational vehicles, also known as RVs, come in all shapes and sizes. Motor homes, fifth wheels, popup campers, and travel trailers are all types of RVs. RV insurance may or may not be required depending on what type of RV you own.

 

Traditional Auto Insurance policies don’t provide full coverage for the needs of RV owners.  Most Auto policies lack comprehensive coverage for personal belongings, and Homeowners policies typically place strict limits on off-premises coverage.  RV and Motor Home insurance can provide comprehensive coverage for personal belongings, and in some cases doesn't require a deductible.  We can help you find peace of mind for your travels.

Renters Insurance

Renters’ Insurance covers all your personal belongings and also liability.  This provides liability insurance for the tenant and the tenant's personal property is covered against named perils such as fire, theft, and vandalism. The owner of the building is responsible for insuring the building but bears no responsibility for the tenant's belongings.  This could lead to losses but we can help you protect your assets so you can focus on what really matters.