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For most of us, our homes & automobiles are our most valuable assets. At
Esten & Richard, we can provide you with home, auto and other types of personal insurance coverage to secure your financial picture. As your needs for insurance change over time, you can count on the Esten & Richard Agency to advise you every step of the way.
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Automobile and Other Vehicles
At Esten & Richard our goal is to get you the best coverage for the lowest premium. Our agents will make certain you have enough coverage... "just in case".
We specialize in automobile coverage for:
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• Cars & Trucks
• Sports Cars, Antique & Classic Cars
• Motorcycles, Boats & Snowmobiles
• Recreational Vehicles
• SR-22 Filings Issued Immediately
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Esten & Richard Agency will also make sure you take advantage of cost saving methods for auto insurance when we review your program:
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• Examining your deductibles
• Removing collision as your car ages
• Reviewing your policy limits
(especially if you are a home owner)
• What to do if you pay off your auto loan
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Be sure to download our "What to do in case of an accident" brochure to keep in your vehicle.
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Homes & Dwellings
Did you know? Marshall, Swift & Boeckh released a study indicating that 64% of the homes in the U.S. were underinsured by an average of 27%. As an Esten & Richard customer your property will have the benefit of a proper coverage evaluation.
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We specialize in coverage for:
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• Homeowners
• Dwelling Property (1-4 Family Rental
Income Properties)
• Valuable Items Floaters for Jewelry, Furs,
Antiques & Fine Arts
• Umbrella (Excess Liability)
• Apartment Contents Insurance
• Condo Unit - Owners Coverage
• Dwellings Under Construction
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Esten & Richard Agency will help you take advantage of cost saving methods for home insurance by considerations including:
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• Account Credits by combining Home & Auto Insurance
• Burglar / Fire alarm
• Non-smoker credit
• Newer home credit
• Increased deductibles
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Our staff will contact our clients to determine if their home should be re-evaluated due to home upgrades such as pools, additions and other major improvements that add to your property's value. We'll also advise our clients concerning special circumstances like what to do if you pay off your mortgage.
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