Taking care
of you
They say “don’t take it personally,” but at IGA we prioritize creating your insurance policy like it’s our own. We’re a team of people, just like you – we will do anything for our family.
Choosing the right insurance broker can feel like a hassle. At IGA, we’re here to make your life a little easier by taking the headaches out of choosing insurance. You’ll even save money in the process.
Schedule a call to learn how.
Put peace-of-mind back in your home
and money back in your pocket
At IGA, we take the pressure off of you, and ensure that your business is prepared.
WHAT DO YOU NEED?
I need insurance for my home or property.
I need automotive insurance for a vehicle.
I need recreation insurance for an RV or watercraft.
Click on an item below to learn more about the coverages we use to put money back in your pocket, and peace of mind back in your house.
Home & property
Builders risk insurance
The vulnerability of your construction site doesn’t have to feel scary.
Constructing a new building is downright exciting. But it can have its moments. Things like fire, theft, vandalism, wind, lightning, and hail might all come to mind when you’re trying to fall asleep at night. When you add builder’s risk to your policy, you can find some peace of mind over your construction site.
What’s covered?
- Buildings and structures under construction
- Equipment onsite or in transit to your job site
- Other items unique to your site
Coverage typically ends when the building or project is completed or occupied.
Homeowners insurance
You’ll do anything for your family? Damn straight.
We’re a group of homeowners ourselves. We know how important it is to make the best decision for your family while managing your costs. Homeowners insurance protects your home and property, as well as liability for things that happen on your property. This way you can stop worrying about the “what ifs” and get back to worrying about what matters. Like arguing about what you’re going to have for dinner.
What’s covered?
- Dwelling coverage for structural damage to your house, as well as coverage for other non-business structures on your property in case of fire, weather, water, and other damages excluding flooding
- Personal property insurance against fire, theft, and loss, with limitations regarding valuable items
- Liability protection in the event that someone makes a claim against you for injuries or damage sustained in your home or on your property
- Coverage for loss of use and additional living expenses if your space was rented out
- Additional coverages for money spent on reasonable repairs, damage to trees and shrubbery, collapse, debris removal, and more
Condominium insurance
You got a condo to make life easier. Your insurance policy should do that too.
Condo insurance is specifically designed for those who live in a unit structure owned and insured by a separate association. These associations employ master insurance policies that usually cover only the external structure of the unit. Insuring your condo means affordable protection for your family, your personal property, the interior, and yourself. It also means making life just a little bit easier when trouble comes knocking.
What’s covered?
- Damage to personal property such as furniture, electronic equipment, and clothing
- Liability protection in the event that someone makes a claim against you for injuries or damage sustained in your condo
- Coverage for interior walls and floor coverings
- Coverage for improvements or upgrades you make to the condo that aren’t covered by the master insurance policy
Landlord insurance
Insurance for your portfolio that doesn’t wreck your cash flow
It’s normal to feel a little uneasy leaving your property to others, even if you went through a thorough screening. Even with the best tenants, mistakes can happen. Appliances can break, or your new tenant could forget to turn off the curling iron on the carpet. We know how important it is to run a tight ship with your properties. We’re here to help you get the right coverage without destroying your cash flow.
What’s covered?
- Damage caused by fire
- Damage caused by a storm
- Damage caused by an explosion
- Damage caused by a flood
- Damage caused by an earthquake
- Water damage
- Malicious damage or theft by tenant
- Liability in the case of harm or damage to tenant’s personal
property
Renters insurance
You might be renting the place, but your belongings are yours.
When you’re renting, it can feel like a lot of things are outside of your control. Renters insurance puts some control back in your hands. It’s like homeowners insurance, but you take it with you even if you move. It protects your personal property and provides most of the benefits of home insurance, including liability insurance.
What’s covered?
- Damage to your belongings caused by fire
- Acts of theft against you
- Vandalism to your property
- Liability if someone is hurt or accrues damage to personal property in your rental home
- Additional living expenses (if you have to live somewhere else while the home is repaired, for example)
Farm and ranch insurance
Put your worries out to the pasture.
You’ve got a unique situation. Your farm or ranch is a hybrid of home and business, so you need a unique policy to keep it protected from every angle. You’re not scared to get down and dirty, and neither are we. We will work hard to get you a rock-solid insurance plan and even put money back in your pocket.
What’s covered?
- Farm, home, and personal property
- Detached garages, farm, and ranch structures
- Machinery and equipment rented or owned
- Livestock
- Farm interruption, loss to farm products, and/or loss of income
- Liability in the event that someone is hurt or accrues damage to
personal property on your farm - Protection against unwarranted claims of animal abuse or land
misuse - Liability for food products you sell or process for others
- Commercial and farm automobiles
- Agritourism and more
Umbrella insurance
Nobody’s perfect. And neither are insurance policies.
Your liability policies cover you for a lot, but it has its limits (literally!). Umbrella insurance covers you for what’s on the fringes after you’ve met your homeowner liability limit. Like a fail-safe for your family and property.
What’s covered?
- Bodily injuries – covers the cost of medical bills and/or liability claims as a result of injuries from a second party member
- Damage to property – covers the cost of damage to property, accidental or otherwise, created by an outside force or member
- Certain lawsuits – coverage is available for situations such as being sued for slander, libel, false arrest, and more
- Owners of rental units – helps protect against liability claims as a result of issues created by outside forces or members
- Defense coverage – covers attorney fees and other legal costs
- Worldwide coverage – coverage for incidents that have happened abroad
Vacation home insurance
Your retreat should be free of worry— not cause it.
Your vacation home isn’t just a place. It represents years of hard work, and a place to be fully present with your family. It’s quality time at its best. It’s easy for worry to creep in while you’re away.
Because you are not always there to watch over it, having a vacation home can present more risks than standard homeownership.
What’s covered?
- Most common risks against vacation properties
- “Named perils” such as fire, explosion, theft, or lightning damage
- Similar things as homeowners insurance, with some intricacies
Auto
Auto insurance
Hit the road and take your protection with you.
Anyone under the sun knows it can be a circus on the roads. Whether you’re sending your 16- year-old out for the first time alone or you’re hitting the road for a family trip, driving presents some scary situations. Auto insurance is not only a legal requirement, but something that can lift you from worry.
What’s offered?
- Liability
- Comprehensive coverage
- Collision coverage
- Uninsured/underinsured motorists
- Rental car reimbursement
- Roadside assistance
- Medical payments as a result of an accident
- Coverage of damages that occur as a result of an auto collision
with another vehicle - Coverage of damages that occur as a result of an auto collision
with something other than another vehicle - Protection from vehicle theft
- Protection from vandalism
- Protection from weather-related damages
- Accidents with uninsured/underinsured individuals
Motorcycle insurance
Hit the open road with the ultimate freedom: peace of mind.
Your motorcycle is about freedom. With the right insurance, you’ll leave worry in the dust and experience the freedom of peace of mind.
What’s offered?
- Roadside assistance
- Collision
- Medical payments
- Physical damage to a bike as a result of a collision with another
moving vehicle - Physical damage as a result of something other than another
moving vehicle - Accidents with uninsured/underinsured individuals
Antique/classic car insurance
For the toys in the garage.
You’ve finally done it. You got the car you grew up loving. Now, it’s become an icon in your life. A prized possession! With a car like that, you’re going to need insurance that matches. This type of policy is made specifically for collector’s cars.
What’s covered?
- Liability from a motor vehicle crash
- Damages to a car’s exterior
- Coverage for modern, antique, and vintage cars
- Spare parts coverage
- Instant new purchase coverage
Rideshare insurance
In between rides? Now is a good time to talk about this insurance.
If you’re driving for Uber, Lyft, or something similar, you don’t just want coverage when you’re with a passenger. You want coverage every step of the way. From when you open the app to when you drop off your passenger.
What’s covered?
- All three periods of driving (waiting for a request, being on your way to pickup a passenger, and driving with the passenger)
- Similar coverage as most auto insurance, but this fills the gap between your personal insurance and your driving business
Recreation
RV insurance
Go more places without a worry.
When you’re rolling up to the campsite, pulling into the next national park, or hanging out under your canopy with your spouse, the last thing you want to be thinking about is the “what ifs”. Being an RV owner means you’re able to come and go as you please, and see the entire country. It also means potentially facing some unique challenges. This coverage protects owners from those situations.
What’s covered?
- Personal injury
- Property damage
- Collision
- Uninsured motorists
- The contents of your RV
Personal watercraft insurance
Summer fun shouldn’t include stressing about what could happen.
Personal watercraft is just a fancy term for a jet-ski. You didn’t buy a jet-ski to worry about what could go wrong. While we assume you won’t be doing daredevil tricks or trying to jump over land masses, it’s still a good idea to get the right insurance in case you run into trouble.
What’s covered?
- Physical damage to your PWC
- Damage to another craft or dock
- Injury to you or another driver
- Towing assistance
- Negligence of another driver
We’re people, like you
We’ve been where you are
At IGA, we’re not much different than you.
We’re husbands, moms, dads, and homeowners.
We’re a team of people who know what it means to have families, jobs, and all the other things we all enjoy. We also know the pains that getting the right policies in place can cause.
NOT YOUR TYPICAL INSURANCE COMPANY
We don’t just sit behind a desk and push pencils. We do everything we can to improve your peace of mind, and get you an insurance plan you can look at and be glad you have.
Past the simple fact that we genuinely give a damn about you and your family, here are a few more reasons you can trust us:
We’ve been around for a while
Our company isn’t that old, but the people on our team have been around for decades. We’ve got over 60 years of collective experience helping take care of real people like you and your family.
Our team approach
Most agencies will assign someone with little experience to look over your account. We come to you with an experienced team of people who work hard to help you identify exactly what you need to feel taken care of in every way, as well as save you money in the process.
Money-saving advocates
Growing a family isn’t easy. Every penny matters. If you’re like most hardworking Americans who budget and work hard to save, choosing the right insurance can be a huge difference maker. We work hard to find every way we can to lower premiums and put money back in your bank account.
INSURANCE THAT
HELPS YOU LIVE,
GROW, AND SAVE
With IGA, insurance becomes a stress-free tool that saves you money.
When you have the right broker taking care of you, you don’t have to worry about all the headaches you’re used to when you think about covering the things you care about. We’ll take care of it for you.
Drop us a line and we’ll start building out a quote just for you.
| Connect with us on social: |  |
 |