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TESTIMONIALS

PERSONAL LINES

When you think of home and auto insurance, you should think of Whitaker-LaChance Insurance Agency. We offer a complete line of personal insurance products to protect what matters to you most. Our agent partners can work with you to determine the best products to meet your specific needs.

Protect your home with our expert advice and policy knowledge.

We offer a number of benefits to homeowners including:
* Toll-free claims reporting available 24 hours a day, 7 days a week
* Coverage for your secondary home, town home, or condominium
* Guaranteed Replacement Cost coverage on most homes
* Policies which are customized to fit your needs and budget
* Additional coverages are available for your jewelry, computers, fine arts and other special items
* Coverage for your in-home business

We represent a number of leading insurance carriers who are very competitive in personal auto insurance.

Some of the benefits we can provide are:

* Toll-free claim reporting available 24 hours a day, 7 days a week
* Replacement coverage on most automobiles
* Coverage for classic or antique vehicles
* Coverage for boats, motorcycles, RVs, all-terrain vehicles, trailers and more

To obtain a free, no-obligation quote for your vehicles, simply complete the online application below or call us at 1-800-968-1959.

Please note that the results of this form will be sent via email. In the unlikely event that you encounter problems, please print your form and fax it to 1-269-324-5660.

We are passionate about cars like you are. Our deep coverage knowledge of cars and their owners allows us to offer you better collector coverage for less.

Our coverage includes:

· Guaranteed Value Coverage – In the event of a covered total loss, you receive every cent of your car’s insured value. No depreciation. No messing around. No hassle.
· Flexible Usage – Our policy allows you occasional pleasure use with no fixed mileage restrictions. With our coverage, you can go for a weekend drive, take your vehicle up to the local ice cream shop or attend unlimited events and cruises.
· Roadside Service and Benefits – Is designed specifically for collector cars. It is a comprehensive 24/7 full service roadside assistance program for lockouts, battery jumps, tire changes, emergency fuel delivery and more — guaranteeing flatbed towing with soft straps.
· Expert Claims Handling – Our job is protecting your collector car, and we’re very good at our job. In the event of a claim, we offer stock original replacement parts to ensure your investment is covered and your car is restored to its former glory. We even have a parts specialist on staff to hunt down rare and hard to find parts.
· You’ll Save Money – Because we specialize in collector car insurance, our premiums are up to 42% lower than daily driver insurance.
· Unparalleled Service and Knowledge – We know collectible cars, so you deal with real people who understand your car and your needs.

As a rider we know it’s important to find the best protection for you and your bike. We offer coverage to address your unique needs to keep you doing what you love with peace of mind.

Customizable Motorcycle Policy Options:

* Full replacement cost of your bike if totaled or damaged
* Comprehensive coverage, which will pay for loss or damage due events such as hail and other weather damage, damage from animals, and most importantly theft
* Medical payments coverage
* Damage or loss to your upgrades or gear (transport trailers, sidecars, custom equipment, and safety gear)

There are many ways to save money on motorcycle insurance. Let us be your trusted advisor in helping you make the decision of which type of coverage to go with.

We offer broad coverage options to protect your boat or personal watercraft so you can keep making waves. Choose from the variety of choices we offer with the level of coverage and budget that best fits your needs.

· Package choices include –Whether you want the basics or the bells and whistles, our large variety of coverage options are customizable to meet your needs.

· Broad craft appetite – Whether it’s small utility boats or large cruisers, we likely have a good fit for you. We write Personal Water Craft (PWC), Sailboats, Pontoons, Bass Boats, Center Consoles and even House Boats.

· Underwriting – Quoting a boat is simple with us. We have in house authority for even higher value yachts.

More than 90% of registered boats fit one of our programs.

When it rains it pours. Protect yourself beyond the liability limits of your personal home, auto, motorcycle and watercraft policies. An umbrella policy provides liability limits in addition to your underlying liability coverage. Umbrella policies are often inexpensive for the amount of extra liability protection provided in excess to your personal insurance policies. Be prepared for life’s downpour and contact us today for a quote.

We are Landlord, Rental Property and Mobile Home Specialists. We have the expertise to offer you a robust program that accommodates everything from the accidental Landlord to a professional Landlord, with multiple properties. Let us be your Landlord “expert” you can count on.

Features of our Landlord Program:

· Convenient packaged policy
· Ability to customize policies based on what you want
· Broad Underwriting eligibility for one-to-four or
 more family units
· No restrictions based solely on age of home
· Scheduled policy for multi-property clients
· Specialized coverage and flexibility

Other Important Coverages Include:

· Loss of Rents
· High Liability Limits
· Personal Injury
· Replacement Cost coverage on Personal Property
· Replacement Cost and Extended Replacement
 Cost on Dwelling
· Water Backup from Sewer and Drains

We offer Landlord options in many states – a specialized coverage package offering with deep discounts on dwelling and personal property premiums to build-your-own policy.

We also offer access for Landlords to screen new tenants through Transunion. Landlords can access credit, criminal and eviction histories of the applicant as soon as they complete an online application. We offer a policy discount for Landlords who screen applicants because the program is proven to lower losses.

Vacant Property

Vacant Property – More than 40% of rental properties are vacant for a period of time during a typical year. We offer a product that allows us to switch between Vacant and Landlord policies with just an endorsement.

Our Vacant policy can be Named Peril with added benefit of an Agreed Loss Settlement in the case of a covered total loss.

· Pro-rated cancellation: Although written as a full year policy, you can cancel at any time, subject to a minimum earned premium (other companies may offer a three to six month policy, but they may not refund any money if the policy is canceled during the term)
· Endorsed to a Landlord policy: In most states, we can endorse a Vacant property to a Landlord policy if the home is not rented – no need to cancel and rewrite the policy
· Vandalism coverage is available (many other agents don’t offer this!)
· No restrictions on age of home
· Optional higher deductible to help lower premium

In most states, we can offer optional Comprehensive coverage on the Dwelling in our vacant program that provides coverage for common risks like water damage!

We offer all types of life insurance to meet your short or long term needs. Our ability to customize the coverage amount to your needs allows you the peace of mind to know your love ones will be taken care of.

Our choices include:

· Level Term Insurance – Provides low cost death benefit for a 10, 20 or 30 year period to provide family income, mortgage protection and educational funding in case of death.

· Permanent Life Insurance – Provides additional investment opportunity and secure premiums in the future. Coverage provides future permanent coverage to protect family income, mortgage protection and educational funding in case of death.

· Long Term Care – Provides coverage for senior care whether at home or in a care facility.

· Business/Key Employee – Provides funds for a buy-sell agreement and funds for business in case of death of owner or key employee.

Life insurance rates have been reduced by as much as 50% over the past few years. Let us help you find the coverage that meets your needs.

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