PERSONAL

established 1983

Are You Protected?

We take your personal insurance coverage personally.

Protecting you and your family is important. We know that, so we offer custom-tailored coverage to protect your home, your car, and other exposures that may exist in your life such as boats, motorcycles and RV’s. In short, at Patterson & Associates Insurance, we make it our business to protect you!

Our team of insurance professionals can give a comparison of what we offer to what you currently have. With years of industry experience, we’re able to create competitively priced, comprehensive protection for our clients with only the highest rated insurance carriers.

Contact us today for more information about health and life insurance, or fill out our online quote form.

Get a Quote

Auto

Cover your vehicle, yourself, and your liability on the road with auto insurance. We can also protect your motorcycle, or motorhome.

Renters

Even if you don’t own, you still face risk. Cover your liability and your personal property with an affordable renters insurance policy.

Watercraft

Being out on the water should be relaxing. With the right watercraft insurance, it will be.

Home

Your home represents a significant investment, and homeowners insurance can protect the equity – and quality of life – you’ve built in it.

Umbrella

Don’t let yourself face unforeseen expenses because the liability limit of your homeowners or auto insurance policy is exhausted. Get increased liability protection with umbrella insurance.

Scheduled Property

You shouldn’t leave your valuables subject to the limits of your homeowner’s insurance. Schedule your most important property for full coverage.

FAQ’s

Some common question about personal insurance

When purchasing automobile insurance what should I consider?

There are several things you should consider when purchasing automobile insurance that your independent agent will help you with. Here are a few:

  • – Purchase the amount of liability coverage which makes sense for you.
  • – Select the optional coverages you want.
  • – Decide which company to purchase insurance from.
  • – Don’t base your decision solely on price. Other factors like service and claim response are extremely important in selecting the right insurance.

Does my insurance policy cover a friend if I loan him/her my car?

When you loan your car to a friend or an associate, he or she will be covered under your automobile insurance policy.

What is collision physical damage coverage?

Collision is the loss you incur when your automobile collides with another vehicle or object like a telephone pole.

What is comprehensive physical damage coverage?

Comprehensive provides coverage for direct physical damage losses you could incur to your car from something like a hailstorm.

How can I lower my automobile insurance rates?

There are several things you can do to lower the cost of your automobile insurance.
One way is to look for competitive pricing. An independent agent works with many companies and can provide you comparative rates and insure that your are getting the same coverage.

Another way to lower the cost is to change your deductible. By raising your deductible you may lower the cost of your automobile insurance almost 10% You must be able to pay the deductible amount in case of a claim. You can also look for discounts that you may be entitled to. Some examples of discounts that may be available are: multiple cars under the same policy, carrying a homeowners policy with the same insurance company, different groups or associations