Our staff members drive down the same streets that you do, so we have a clear view of your world - and how you get around in it.  That kind of knowledge can ultimately save money and get more mileage from your auto policy.  We will map out the best policy for your needs, maximize your understanding and minimize insurance jargon.

These are specific coverages that can be included in your auto insurance package:

Liability Coverage - Protects you against the cost of damage and injury that you cause to another person in an auto accident.  It's made up of two types of coverage: Bodily Injury coverage which protects you from the cost of personal injury to others and Property Damage coverage which protects you from the cost of damage you cause to others' physical property.

Comprehensive Coverage - Pays for damage to your vehicle cause by something other than a collision.  Examples of events usually covered by comprehensive coverage include fire, hail, vandalism, theft and earthquakes.

Collision Coverage - Pays for damage to your vehicle involved in an auto accident when you are "at fault."

Medical Payments Coverage - Provides coverage for the treament of injuries for you, your family members and other pasengers in your vehicle, regardless of who is at fault for the accident.

Uninsured and Underinsured Motorists Coverage - Protects you against injury caused in an auto accident where the at-fault driver has no liability coverage or if the cost of your injuries exceeds the at-fault driver's maximum liability limit.

Towing and Labor - Reimburses you for expenses incurred as a result of a roadside emergency with your vehicle.  Covered expenses include mechanical labor at the place of breakdown, towing, gas delivery, oil, loaned batter or tire change.

Rental Reimbursement - Reimburses you for rental car costs if your car is damaged in an accident.

Loan/Lease Gap Coverage - Pays the difference between what your car is worth and what you owe on your car's loan or lease.

Discounts Available:

• Claim-Free
• Multi-Policy
• Longevity
• Professional
• Good Student
• Spin-Off
• Continuous Insurance
• Empty Nest
• Air Bag

These are just the basic coverages and discounts available.  Limits on liablity and discounts available differ depending on the company.  Please contact one of our agent's to receive a quote or coverage analysis.

When it comes to insurance, a little local knowledge goes a long way.  Our staff here at Ley Insurance Agency live and work in your neighborhoods, so we have a clear picture on how you live your life - and what it takes to keep things worry free.

Coverage That's All About You

Shaping the perfect homeowner policy is all about how and where you live.  We will help you sort it all out - and provide a jargon-free explanation of every aspect of your coverages and policy.

Homeowner Policies written through our agency provided a combination of property and personal liability coverage - and covers loss of use resulting from damage arising from several causes such as weather losses (like wind, hail, rain, or snow) and other losses such as fire, smoke, theft, vandalism, falling objects, and weight of ice, snow or sleet.

A typical Homeowner's Policy includes:

Dwelling - The home structure itself

Other Structures - structures or buildings that are not attached to your home (shed, detached garage)

Personal Proprty - The contents of your home.  This coverage protects your furniture, appliances, televisions and clothing.

Loss of Use - When a loss occurs and you're not able to live in your home, the cost of additional living expenses are covered.

Personal Liability - Provides coverage for compensatory damages if you're legally liable for someone else's bodily injury or property damage as a result of an accident.  Examples of bodily injury, property damage and medical expense coverages may include:

• Medical expenses for others injury caused by an accident on your premises (slips and falls)
• Liability to others
• Damage caused by negligence of children
• Damage caused by a pet

Essential Extras

Sometimes, a little extra coverage is in order to make owning your home a true worry-free experience.  We will help you know if you need coverage for:

Replacement Cost Coverage - Pays to replace your home and contents up to the policy limits, in the event of a covered loss.

Identity Theft Coverage - Pays for expenses incurred as a result of identity theft, such as lost wages and expenses associated with repairing the damage caused by your identity being stolen.

Floaters - Protects high-value items such as jewelry, artwork, instruments, cameras, computers and collectibles.

Back-up of Sewers and Drains - Provides coverage for losses caused by water which backs up through sewers or drains, or water that enters into and overflows from within a sump pump or sump pump well.

Ask our agents to go through any of our optional homeowner coverages that you want to know about.  If you do not see something listed above that you feel you would like to insure or have as part of your homeowners package please let us know - it is very likely it is covered.  There are many discounts we can add to Homeowner's Insurance as well.  Ask us about those as well!

Casualty Insurance

Liablity Insurance

Commercial Auto

Your personal automobile policy does not cover vehicles used by your business. If your business uses vehicles or anything that is required to be titled by your state, then you need a commercial auto policy. Commercial auto coverage insures against property damage to vehicles and damage caused to others by those vehicles.

Business Interruption

Health Insurance

Life and Disability Insurance

Life insurance may be divided into two basic classes – temporary and permanent.  Most people hear of the terms - term, universal, whole life and endowment insurance policies.

Term Insurance

Term assurance: provides for life insurance coverage for a specified term of years for a specified amount. The policy does not accumulate cash value. Term is generally considered "pure" insurance, where the premium buys protection in the event of death and nothing else.

There are three key factors to be considered in term insurance:

1. Face amount (protection or death benefit),
2. Premium to be paid (cost to the insured), and
3. Length of coverage (term).

Various insurance companies sell term insurance with many different combinations of these three parameters. The face amount can remain constant or decline. The term can be for one or more years. The premium can remain level or increase.

A policy holder insures his life for a specified term. If he dies before that specified term is up, his estate or named beneficiary receives a payout. If he does not die before the term is up, he receives nothing. However, in this case you would be able to either renew your term insurance or switch to another type of policy without the loss of value.

Permanent Life Insurance

Permanent Life Insurance is life insurance that remains in force (in-line) until the policy matures (pays out), unless the owner fails to pay the premium when due. Permanent insurance builds a cash value that reduces the amount at risk to the insurance company and thus the insurance expense over time. The owner can access the money in the cash value by withdrawing money, borrowing the cash value, or surrendering the policy and receiving the surrender value.

The three basic types of permanent insurance are whole life, universal life, and endowment.

Whole Life Coverage

Whole life provides for a level premium, and a cash value table included in the policy guaranteed by the company. The primary advantages of whole life are guaranteed death benefits, guaranteed cash values, fixed and known annual premiums, and mortality and expense charges will not reduce the cash value shown in the policy. The primary disadvantages of whole life are premium inflexibility, and the internal rate of return in the policy may not be competitive with other savings alternatives. Premiums are much higher than term insurance in the short-term, but cumulative premiums are roughly equal if policies are kept in force until average life expectancy.

Cash value can be accessed at any time through policy "loans". Since these loans decrease the death benefit if not paid back, payback is optional. Cash values are not paid to the beneficiary upon the death of the insured; the beneficiary receives the death benefit only.

Universal Life Coverage

Universal life is a relatively new insurance product intended to provide permanent insurance coverage with greater flexibility in premium payment and the potential for a higher internal rate of return. There are several types of universal life insurance policies which include "interest sensitive" (also known as "traditional fixed universal life insurance"), variable universal life insurance, and equity indexed universal life insurance.

A universal life insurance policy includes a cash account. Premiums increase the cash account. Interest is paid within the policy (credited) on the account at a rate specified by the company. Mortality charges and administrative costs are then charged against (reduce) the cash account. The surrender value of the policy is the amount remaining in the cash account less applicable surrender charges, if any.

Endowment Coverage

In the United States, the Technical Corrections Act of 1988 tightened the rules on tax shelters. These follow tax rules as annuities and IRAs do.

Endowment Insurance is paid out whether the insured lives or dies, after a specific period (e.g. 15 years) or a specific age (e.g. 65).

We offer many different types of Health Insurance.  If you are looking for a Short-term medical, individual medical, family medical, or insurance for your employees ... give us a call and we can set up a package that meets your needs and budget!

These are the different plans that we offer through many Company's represented by our Agency.

Health Maintenance Organization (HMO)

A health insurance plan or organization that provides comprehensive healthcare services through a network of doctors, hospitals, free-standing medical facilities, etc., for a pre-negotiated rate. A Primary Care Physician (PCP) is typically required to act as a gatekeeper for your medical care and self-referrals are not generally allowed. The full cost for services received outside of the plan network is usually the responsibility of the insured individual.

Health Savings Account (HSA)

A tax-advantaged medical savings account available to an individual covered under a High Deductible Health Plan (HDHP).

High Deductible Health Plan (HDHP)

A health insurance plan with lower premiums and higher deductibles than a traditional health plan.

Point of Service (POS)

A type of managed care plan that combines features from both a Health Maintenance Organization (HMO) plan and a Preferred Provider Organization (PPO) plan. Like the HMO, the plan may require the insured to designate a Primary Care Physician (PCP) and obtain referrals for specialty care. Similar to a PPO, the plan typically allows the insured to seek medical services from a provider of their choice however, utilization of a provider that is part of the insurance carriers network will afford the insured covered services at a lower cost.

Preferred Provider Organization (PPO)

A type of plan that allows the insured individual to seek medical services, without a referral, from healthcare providers belonging to the insurance carriers network. Medical services may also be obtained from healthcare providers that are not part of the insurance carriers network (Non-Network) however, benefits are typically paid at a higher cost to the insured individual.