Personal Insurance from Esten & Richard

PERSONAL INSURANCE

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, count on the Esten & Richard Agency to advise you every step of the way.

Personal Auto Insurance from Esten & Richard
Esten & Richard offers Motorcycle Insurance
Get Off-Road Vehicle Insurance from Esten & Richard
Esten & Richard offers Boat & Jet Ski Insurance

INSURANCE FOR AUTOMOBILES & OTHER VEHICLES

At Esten & Richard our goal is to obtain 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...

  • Cars & Trucks
  • Sports Cars, Antique & Classic Cars
  • Motorcycles & Motorhomes
  • ATVs & Snowmobiles
  • Boats & Jet Skis

SAVE MONEY WITH ESTEN & RICHARD

Esten & Richard Agency will also make sure you take advantage of cost saving methods for auto insurance when we review your program:

  • Examining your deductibles
  • Removing collision and / or comprehensive coverage as your vehicle ages
  • Making certain that the vehicle usage is correct
  • Reviewing your policy limits (especially if you are a home owner)
Homeowners Insurance from Esten & Richard
Condo Owners Insurance from Esten & Richard
Apartment Renters Insurance from Esten & Richard

INSURANCE FOR HOMES & DWELLINGS

Did you know? Marshall, Swift & Boeckh released a study indicating that 74% 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.

WE SPECIALIZE IN PERSONAL INSURANCE COVERAGE FOR...

  • Homeowners
  • Dwelling Property (1-4 Family Rental Income Properties)
  • Valuable Items Floaters for Jewelry, Furs, Antiques & Fine Arts and Collectibles
  • Umbrella (Excess Liability)
  • Apartment Contents Insurance
  • Condo Unit - Owners Coverage
  • Dwellings Under Construction

SAVE MONEY WITH ESTEN & RICHARD

Esten & Richard Agency will help you take advantage of cost saving methods for home insurance by considerations including:

  • Account Credits by combining Home & Auto Insurance
  • Burglar / Fire alarm credits
  • Non-smoker credit
  • Newer home credit
  • Increased deductibles credits

Our staff will contact our clients to determine if their coverage should be re-evaluated due to upgrades such as the addition of swimming pools, building additions. new garages, installation of an alarm system or any other major improvements that add to your property value. We'll also advise our clients concerning special circumstances like what to do if you pay off your mortgage.