Insurance Products

Personal Package

“Bundling” services has become a very popular way to make it easy for customers to have access to all of their policies in one place, with one simple bill.

Homeowner Insurance

Your home is your greatest investment and where the life of your family is centered. Protecting your hard work and safe haven are values members of Charter Insurance understands both professionally and when it comes to each of our own families. Let our experienced agents design a homeowner’s policy that safeguards the place where you hang your hat.

Personal Auto Insurance

Auto insurance is one of the most utilized form of personal insurance we offer. If you are ever in an accident, you have enough to worry about without wondering if your policy will cover the expenses.? Our team understands the needs of you and your family on the road and will navigate you to an insurance plan that will let you ride a little easier through your day.

ATV Insurance

While not required in all states, ATV insurance may be a good idea if you stray away from your personal property to protect yourself from liability and injury on other territory or public lands.

Boat Insurance

Marine and recreational vehicles are a fun way to take a break from work and enjoy time with family and friends. Before you hit the water or the open road, it’s important to remember that most of these vehicles need to be insured so that you and other adventurers can have a safe and enjoyable experience. Our team is well versed in boat and RV insurance and is eager to provide a customized package including essential coverage and other extended coverage for your home away from home.

Condo Insurance

Whether you are a homeowner who lives in a condo or owns one for investment, the situation of sharing a common building structure with other homeowners brings with it a different set of insurance needs. Our agents will demonstrate how liability in the event of fire, water, or other unfortunate occurrence can be managed and prepared for with a homeowner’s policy tailored to fit your needs.

Home Business

Just because your business operates within your home for which you have a homeowners policy, that doesn’t necessarily mean all aspects of your home business are covered. We understand this at Charter Insurance and will explore the options to fill in the gaps in your coverage.

Personal Umbrella

You’ve already insured your home and your car, so you should be fully covered in case the worst happens to your investments, right? Possibly. Most common unfortunate events are covered with standard home and auto policies, but what about if you are faced with a serious accident that occurs on the road or on your property and a lawsuit has your investments and even your wages in jeopardy? This is where a personal umbrella policy can fill in the gaps and provide another layer of protection for your personal insurance coverage. An umbrella provides extra protection of $1 million or more.

Renters Insurance

Even if you don’t own a home yet, your possessions are still your investment. Your landlord’s homeowner policy doesn’t cover the items you bring into the home. In addition to just theft, natural disaster, fire, and electrical damage are real risks that are out of your control when you rent a home. Take back that control by managing your risk with renters insurance and protect the things you’ve worked to own. Our agents are ready to help.

Manufactured Home

Homeowners with manufactured structures have different needs than homes that were built on-site. Areas such as foundation requirements and construction material ratings present potential risks that must be evaluated depending on the location of the property where the home is situated. Our team understands these needs and are happy to create a homeowner’s policy that makes sense for your investment.

Motorcycle

If you ride a bike, you know how important it is to be safe on the road. In addition to road safety, protection for your investment is essential for those times when you need to get back up on that horse and ride. Our motorcycle insurance is as customized as the parts you have on your bike and with discounts available, the price sounds pretty nice too.

Flood

In recent times, we’ve all seen what can happen when mother nature gives us more water than we can handle. Because of differences in the likelihood of this event happening to your property, flood coverage is left out of most homeowners insurance policies. Our team is ready to evaluate your risk and make sure you aren’t missing an important part of protecting your investment.

Business Auto Insurance

Whether your business owns one or a fleet of service vehicles, our commercial auto policies can protect your employees, your vehicles, and your liability for other motorists in the event of an accident.

Business Owners Policy

No matter what your business type is, we understand your specific needs and will develop a unique policy made just for you. Our coverage can keep you afloat if fire or severe weather forces you to temporarily close your doors, lose important papers, or damage your office equipment.

Commercial Property & General Liability

When owning or leasing space for your business, its important to protect the building and the valuable contents within in the event of a fire or other natural disaster. Our policies are designed to protect you from financial loss in these events as well as in the event of personal injury accidents with visitors on your premises.

Special Liability Insurance

When your business has employees apart from yourself to manage, there are several areas of liability that may not be immediately obvious and are not covered by your general liability policy. Protection from claims against your business such as discrimination, harassment, wrongful termination, breach of contract, or even failure to promote are reasons to consider specialty liability insurance.

Workers’ Compensation Insurance

Even after taking every precaution to create a safe working environment, accidents still can happen. Your business shouldn’t have to go into debt or even close its doors because of unforeseen personal injuries. Workers’ compensation insurance pays for medical expenses and lost income for your employees, and in most states it’s required.

Medical Insurance

Whether you’re interested in personal, family, or employee plans, our trained customer service representatives can guide you through the ever-expanding options for health insurance coverage.

Some products and services may not be available in your area.