Here at Woodall & Hoggle Insurance Agency, our Personal Lines Specialists work with you to create a tailored program to fit your family. Our goal is to not only to protect your home, your autos, and valuable possessions but to do so cost effectively. We know that when your purchase an insurance policy you except a promise from us to be there in the event of an accident or loss. You can trust that we accept only the best claims service from our companies and they too know that your policy purchase means your trust. We know that money is hard to come by these days and we will do our very best to make sure you have a policy specially designed with you in mind.
Get to know our Personal Lines Agents – we want to know you on a one on one basis.
Donna Stapler
Gay Morgan
Christie Wofford
You can expect from these ladies experience and professionalism to be able to create that custom fit program. To have the knowledge to know what products are available. To be prompt and willing to listen to you to make sure you and your family are protected. These ladies will guide you through choosing what coverages you need and here is a list of some of the products we offer:
Home/Contents
A house is probably the most expensive purchase you will ever make. Homeowner’s insurance is therefore essential to protect this investment against the possibility of a financial disaster caused by damage, theft or liability. This policy has five main coverages.
- Coverage A: Dwelling - coverage for the described dwelling and structures attached to the dwelling, as well as materials and supplies for repair and construction of such structures if they are located on or next to the residence premises.
- Coverage B: Other Structures - Includes buildings on the described premises that are separated from the main dwelling by clear space.
- Coverage C: Personal Property - coverage for personal property owned or used by an insured while it is anywhere in the world. There are important limitations under this coverage. If you own particularly valuable items such as silverware, jewelry, artwork or firearms you need to speak with one of our agents on how to procure the proper coverage.
- Coverage D: Loss of Use - coverage in the event a covered loss renders the insured’s residence uninhabitable. The policy will cover the additional living expenses required to maintain the insured’s normal standard of living.
- Coverage E: Personal Liability - coverage for damages an insured is legally obligated to pay for as the result of an occurrence to which coverage applies.
- Coverage F: Medical Payments to Others - pays necessary medical expenses for bodily injury due to accident.
Renter’s Insurance
Many renters overlook or under-estimate their insurance needs because they believe only “homeowners” need insurance. However, just as most of us would not think of owning an automobile without auto insurance, renters need protection for their personal possessions and from liability. Even the smallest apartment can easily contain personal property worth thousands of dollars. And all of us are at risk for liability. Renters insurance, because you are not insuring a building, is surprisingly inexpensive.
Common Renting Myths:
- Many renters think they are protected under their landlord’s policy. However, the property owner’s insurance covers the building itself and seldom a tenant’s possessions.
- Liability. The owner’s policy may specifically exclude liability for something that occurs with your residence. You could be held liable for injury to another person or damage to another’s property if the accident occurred within your residence.
Automobile/ATVs
Discount Programs for Homeowners, Good Students, Senior Drivers, Safety or Security Devices, Good Credit Report, and Multiple Policy Bundling helps us provide you with low cost security.
We have some of the largest auto insurance companies in the U.S. We have companies available for all types of vehicles which may include: Personal Autos, Classic Vehicles/Antique Vehicles, Motorcycles, ATV’s, Recreational Vehicles, and Golf Carts.
- Quality Coverage with our available companies. You and your family members are covered whether the car you are driving is your own, a rental car, or one that you’ve borrowed. The personal auto policy offers you these basic coverages.
- Collision Coverage that pays for damage to your car if you’re in an accident.
- Comprehensive coverage that pays for damage to your car from a fire, theft, vandalism, or many other events.
- Liability insurance that protect you and your family against claims for bodily injury or property damage caused by an auto accident in which you or your family members are considered legally responsible.
- Payments for medical services that you, your family members, and passengers need if you’re involved in an accident in your car or as a pedestrian.
- Uninsured motorist or underinsured motorist coverage will pay if you are injured by a driver with no liability insurance or by a hit-and-run-driver, who is held legally responsible for your injuries.
- Additional optional coverages are the rental reimbursement as well as the towing and labor coverage!
Watercraft
Most boats are accepted including: ski boats, fishing boats, sailboats, pontoon/houseboats, high performance boats, jet-powered boats and personal watercraft. The program offers valuable coverages with worry free protection. In addition we have various payment plans to fit your budget.
Jewelry/Antiques
Consider the value of the cherished items you or your spouse wear everyday, such as a wedding ring or a watch. Would $1,000 or even $5,000 be enough to replace these, let alone all of your jewelry and valuables? While some items can be replaced, others are irreplaceable. Either way, you deserve financial compensation if there is a loss. At Woodall & Hoggle, we are dedicated to finding the perfect coverage for your assets in order to give you the peace of mind to wear, use and enjoy your valuables!
These valuable articles may include:
- Jewelry Guns
- Furs Collectibles
- Silverware Musical Instruments
- Goldware Antiques
Personal Umbrella
The Personal Umbrella is a broad coverage liability policy designed to protect your personal assets from bodily-injury and property damage lawsuits. Protection extends not only to the person listed on the policy, but also to the relatives residing in the household and anyone else under the age of 21 residing in the household.
The Personal Umbrella is designed to increase personal liability protection over such policies as your:
- Automobile
- Homeowners
- Mobile Homeowners
- Recreational Vehicle
- Watercraft
- Eligible Rental Property
- Office Premises
Flood
Since most homeowners policies do not cover floods, it is necessary to purchase a separate policy. Flood Insurance is provided through the National Flood Insurance Program (NFIP). This is a federal program wherein property owners may purchase insurance protection against the losses of flooding. To receive a quote on Flood Insurance please contact us.
An important note, there is a 30 day waiting period before the insurance becomes effective.
Life
Changes in life can have a dramatic effect with where you or your business will be financially in the future. Reviewing your family’s perpetuation plan on a regular basis, or when life-changing events take place, can go a long way toward protection of your family or business. Woodall & Hoggle Insurance Agency is in the business of financial protection to help preserve your hard earned assets.
Other Important Lines
Also ask us about these other special lines of coverage:
• Motorhome
• Farm
• Earthquake
Corporate Philosophy:
Our commitment is to assist clients with the development of a comprehensive insurance program tailored to each client’s specific needs, size, and future growth plans. Focusing primarily upon industry leaders who seek to develop a long-term relationship with their insurance professionals, our goal is to offer insurance coverage with excellent service, and competitive pricing.
Because we genuinely care about our clients, we have developed a reputation for outstanding customer service. With highly skilled servicing teams, we are enthusiastic, and dedicated to providing clients the quality service their business deserves.
Click here for Our Pledge of Performance
