At The Turner Agency, Inc., our Personal Lines account managers work with you to tailor an insurance program that will protect your family, home, automobile, and your valuable possessions at the most reasonable costs our carriers can provide. Unlike some agencies where insurance may be treated as a commodity, we review your needs and provide a total solution, manage your insurance paperwork, and assist you with any questions you may have.
We offer total and complete coverage solutions customized to meet your needs in the following areas and more:
- Homeowner’s coverage (including secondary and rental homes)
- Automobile coverage (including antique and modified automobiles)
- Valuable Items coverage (such as scheduled jewelry, fine arts, silverware, etc)
- Umbrella Policies
- Recreational Vehicles(motorcycles, ATVs, golf carts)
- Watercraft (boats, jet skis)
- Flood Policies
- Builders Risk
- Rental Property
Replacement Cost vs. Market Value – Why Does it Matter?
“My home is only worth $250,000 but the insurance company wants to insure it for $350,000!”
“Why in today’s economy does my insurance company want to increase the value of my home?”
Insurance coverage is designed to cover the cost of rebuilding your home in the same location, not today’s potential purchase price. Remember that in the current real estate market, the market price of houses may decrease while constructions costs rise. Let us review your coverage on an annual basis to ensure that you are insured for 100% of your home’s replacement cost, so that if you suffer a total loss, you can rebuild your entire home the way it is now.