Brown’s has the expertise and experience to proficiently meet all of your needs. We offer a broad product line including:
- Home Owners
- Auto Insurance
- Commercial Insurance
- Financial Planning & Life Insurance
- Farm Owners Insurance
- Financial Services
- Workers Compensation
- Individual & Family Health Care Plans
- Group & Employee Sponsored Health Care Plans
- Flood Insurance
- Boat Insurance
- Motorcycle Insurance
- Bonds
- Camper/RV Insurance
- … and much, much more!
Personal Auto
We offer competitive premiums and complete coverage for all your vehicles.
Coverages include:
- Preferred and standard auto
- High risk auto
- Motorcycle
- Motor homes
- Camping trailers, travel trailers, utility trailers
- Recreational vehicles: all-terrain vehicles, trail bikes, golf carts, mini bikes, dune buggies, jet skis and wet bikes
- Antique, classic or special-interest cars
Home Owners Insurance
Insurance coverages we offer for your home include:
- Homeowners protection
- Homeowners plus protection
- Condominium unit-owner’s insurance
- Renters insurance
- Personal umbrella liability
- Replacement cost contents protection
- Inland marine personal articles
Commercial Insurance
We offer a broad line of products to meet your business insurance needs. Products and services include:
- A Businessowners’ Policy that is broad and comprehensive to meet businessowners’ needs in the areas of property and liability coverage. Coverage for specific businesses and optional extended coverage are also available.
- The Commercial Package Policy is flexible to ensure comprehensive coverages tailored for specific businesses. It includes Property, Comprehensive General Liability, Crime, Inland Marine and Automobile coverages.
- The Commercial Umbrella Policy provides the extra protection every business requires with extra limits where general liability and automobile limits end.
- Loss Control services that help you reduce loss severity exposure, provide information on reducing loss frequency, and identifies safety programs.
Financial Planning & Life Insurance
Brown’s offers a wide variety of products to meet your needs, the needs of your family and the needs of your business. Plans for your family include:
- Select Choice Term Series, offering you a choice of term lengths and coverage amounts and giving you the maximum amount of coverage for your premium dollar.
- Burial Insurance to protect your loved ones from the financial burdens of funeral, burial and final expenses.
- First Step, which provides your children with a base for saving and planning for a lifetime. Coverage is available through age 30, with the option to convert to a permanent life policy at that time.
- Select Choice Juvenile Whole Life prepares your children for the future with low rates and a policy your children can maintain for a lifetime.
We can also help you prepare for your retirement and protect you during periods you can not work due to disability:
- The Income Protector Policy safeguards your income and protects you and your family from the worries of disability.
- Individual Retirement Accounts include both conventional and ROTH, so you can choose the plan that best fits your needs.
- The Preferred Choice Annuity Series offers competitive interest rates and no monthly fees.
Business coverages:
- Executive Choice Term Series provides maximum coverage for your premium dollar with a variety of level premium periods, allowing you to tailor your insurance plan to match the needs of your family or business.
- Simplified Incentive Match Plan for Employees (SIMPLE) is a simplified, tax-qualified retirement plan available to employers with less than 100 employees.
- The Business Overhead Expenses Plan offers your business protection in the event that you become disabled.
Farm Owners
We offer Farm programs which provide all the coverage you need for your farm. Features include:
- Farm dwelling and household personal property coverage
- Farmers comprehensive personal liability coverage
- Medical payments coverage
- Coverage for physical damage to the property of others
- Inflation guard protection
- TV antennas/satellite dish coverage