Personal Insurance - Howard and Hoffman Inc.

We write all forms of
Personal Insurance,
including:

Automobile

Boat / Jet Skis

Builder's Risks

Condos

Dwellings

Homeowners

Motorcycles

Personal Umbrellas

Renters

PERSONAL INSURANCE

As an Independent Insurance Agency, we represent several different carriers, allowing us to provide the Personal Insurance you need. Whether you have a good driving record or a poor driving record, whether you own a $15 Million home and an extensive art collection or you are renting an apartment and have an extensive CD collection, we can help you find the right coverage at the best possible price.

At Howard & Hoffman, one of our experienced agents will manage all of your insurance. You'll enjoy the convenience of one-stop shopping, making one phone call, and having one agent who can cover your home, car, business - even your boat, jet ski or motorcycle. We specialize in flexible and creative solutions for your insurance needs, with the power to write almost any policy.

Possibly our most important service is claims assistance. While most insurance companies are fair about paying claims, they typically will not volunteer information on how to get the most compensation. Since as agents we do not pay the claims, we can always afford to act in the best interest of our clients. We will first help you decide whether it is appropriate to file a claim and how it will affect your rates; if you decide to file one, we will advise you on how to get the best compensation possible. Finally, if your claim is wrongly denied by the insurer we will go to bat for you to get the claim properly covered.

We currently represent the following top-rated companies for Personal Insurance:

	ACE Private Risk Services
	Chartis Private Client Group
	Fireman's Fund
	National Marine Underwriters
	Markel American Underwriters
	Progressive
	Ski Safe Boat Insurance
	The Hartford Insurance Group
	Travelers Insurance Group

If for some reason you don't qualify with any of the above carriers, we also work with several wholesale brokers, which gives us access to most excess and surplus lines carriers. These carriers allow us to write just about any personal lines account. If others have told you that can't write you, we probably can.