Insurance

Our Services

As an independent insurance agency, we are able to offer clients the ability to compare several companies to find the proper fit.

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Home Insurance

Whether a first time homeowner or an experienced homeowner, it can be agreed that your home is one of your biggest assets. So it is important to understand how your insurance coverage works and how it comes into play when you need it most. HomeTown Agency will help answer your questions like “what happens if there is a fire?” or “is there coverage if my water pipes burst”?

We want you to feel confident that your coverages meets your personal homeownership needs and your policy doesn’t have to be a mystery – we are happy to take the time to explain the coverage amounts and what they are for.

Once we have your policy set up to best fit your needs, HomeTown Agency also offers ongoing policy reviews. We understand you, your family and your life change over time, so we are here to ensure your coverage is still meeting your needs well into the future.

And to put your mind at ease even more, as your home town agent, we are only a visit, call or email way whenever you have a coverage or “what if” question! Plus, our service doesn’t end once your policy starts - if the worst does happen and you are facing a loss, we are here to guide you through the claims process and make sure you get back on track.

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Renters Insurance

So you aren’t a home owner just yet, but there are similar losses you could face while renting. How would you replace all of your furniture, clothing and electronics if there was a fire? Or what if you spilled your drink on your laptop and it needs replaced? Or what if your dog bites a delivery person? Yes, your policy can even provide coverage to cover medical costs in situations you are found at fault.

Renters insurance policies are inexpensive and can even be shared amongst roommates. Depending where you are renting, your landlord may even require you to have a policy with specific coverage amounts and we can make sure you have those requirements met.

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Auto Insurance

Who knew there were so many choices when it comes to auto insurance? From liability limits to deductibles and what about that rental car coverage? HomeTown Agency knows a lot can be at stake in the event of an auto accident and we want to ensure each of our clients has coverage limits to keep out of pocket expenses to a minimum. We write our auto policies with higher liability limits just for this purpose.

When it comes to claim time, you can be reassured you have an actual person to talk to – us! We will help you get your claim filed and make sure the process runs smoothly. Working with a local agency like us, we also have the advantage of personally known many of our claims adjusters.

Let us sit down and compare your current coverages to what our companies have to offer and not only find the best rates but also the best coverages for your needs! While we are at it, we can answer all your questions and explain how all those coverages work for you!

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Business Insurance

We know you are busy running your business which makes it a challenge for you to worry about the insurance side of things. But businesses of all types need the security and protection that business insurance provides and that is where your local HomeTown Agency agents step in.

We will learn about and understand your business then guide you through building an insurance package that will be customized to your unique business needs and set your mind at ease.

HomeTown Agency works with business owners across all industries from farm operations, car dealerships, grocery stores to retail shops. And just like your personal insurance, we offer regular policy reviews to make sure your coverage keeps up with the pace of your business as it grows and changes.

We are excited to help your business grow and help you safeguard all your business assets!

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Farm Insurance

Your farm, your homestead, your ranch, whatever you call your multi-acre home, HomeTown Agency is here to protect all your assets big or small.

A farm policy not only covers your residence and personal contents but also your farm personal property including machinery, tools, livestock, grain and supplies as well as the outbuildings on your property.

Living on a farm can also increase your liability risks and a farm policy is designed to take care of those needs from medical payments, pollution/clean up to damage to property of others and more.

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Crop Insurance

As a farmer, your crops are your largest investment in your farming operation so naturally you want to find ways to protect that part of your livelihood and ensure you can meet your financial obligations.

Crop insurance policies are designed to protect more than 120 different crops including corn, soybeans, grain sorghum and wheat from losses due to destructive weather, disease, drought, flooding, etc.

Multi-Peril Crop Insurance can take it a step further with coverage options to provide yield and price protection to guard against loss of revenue when commodity prices decline.

Whether you are seasoned farm operation or a beginning farmer, our licensed crop agents will guide you through all the Crop-Hail and Multi-Peril Crop policies offered by Rain & Hail to protect your farming operation.

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LRP Insurance

Livestock Risk Protection (LRP) is yet another way HomeTown Agency can serve the farm & ranch needs of your livestock operation. Through the Risk Management Agency of the USDA, LRP provides protection on your livestock investment when the there is a decline in the market.

For example, LRP insurance pays producers if the national cash price index falls below the insured price level at the ending date of the policy. You may choose from a variety of coverage levels and insurance periods that best match the time your livestock would be marketed.

LRP offers flexibility in the number of cattle that can be insured with no lower limit to the number of cattle that can be insured and is available for feeder cattle, fed cattle, swine and lambs.

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Life Insurance

Life insurance can feel overwhelming – you are told you need it but where do you begin? Our life specialists are here to simplify your options and help you understand how life insurance works then work with you to find policies that that suit your needs and budget while protecting your family now and for the future.

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Health Insurance

The financial burden of a serious illness or injury can significantly change your life. Having health insurance in place to help offset those expenses can bring stability and peace of mind. Whether guiding you through the Healthcare Marketplace, supplemental insurance or other plan options, our licensed health agents are here to help.

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Disability Insurance

A sudden disability can be devastating financially, but there are insurance options available to put your mind at ease, knowing you have protection in place should an accident or illness prevents you from working.

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Long Term Care Insurance

Over 50% of all people will eventually need long term care in their life time due to a chronic medical condition that arises suddenly or gradually as we age. Unfortunately, most long term care services are not covered by health insurance. As part of your long term financial planning, let us guide you in your options to make long term care less of a financial burden for you and your family.

Insurance

HomeTown Agency offers you complete insurance programs insuring your way of life including personal coverage, business coverage, life, health, and financial coverage. We will work directly with you to determine the best insurance to fit your needs.

As an independent insurance agency, we are able to offer clients the ability to compare several companies to find the proper fit. We carry a full line of products allowing complete coverage through one agency. At the time of a loss, our agency works directly with clients to ensure they receive a fair settlement on their claim.

Our focus is protecting people. We personally discuss options with clients instead of using a service center; therefore, our clients make knowledgeable decisions. This open communication creates a comfortable environment so we can better involve our clients in the insurance process. Involved clients are protected clients.

Insuring your way of life.

Locations
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Contact us
1-800-219-2188
hta@htainsure.net
fax: 308-777-2107
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