Personal Insurance

See how easy home and auto insurance can be.

Competitive Personal Insurance Policies Are Our Standard

And so is exceptional service.

People don’t check their personal insurance policies frequently enough. It doesn’t matter if it’s your home, auto, recreational vehicles, property, or other type of assets, the world changes and so can the costs and coverage of your insurance. There can be life changes, too. That’s why it’s always a great idea to have IB Insurance review your policies and advise you on all of your coverage and life insurance needs. It’s just part of the exceptional service that’s our standard.

 
 
 
 
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IB Insurance offers a full line of property and casualty insurance to fit your every need.  

Check out our life insurance calculator to see how much coverage is appropriate for you.
 

 Review the categories below and contact us with any questions or to receive an insurance quote.

Home insurance policies combine various personal insurance protections which can include losses to the home, detached structures, personal property, loss of use and living expenses should your home become uninhabitable due to covered loss.  Home insurance also includes liability coverage that protects your assets should an accident occur at your home.
What we need:
  • Full name, birth date, social security number for named insureds.
  • Year house was built and year of updates to roof, electrical, plumbing, and heat.
  • Copy of current policy, if available.
Whole life insurance is permanent life insurance and provides protection for life. As long as premiums are paid, a death benefit is paid to the beneficiary.
The premiums for whole life insurance policies are designed to remain level over time. 

In addition, these policies accumulate cash values on a tax-deferred basis. The rate of return on whole life insurance cash values is dependent upon a number of factors including the results of an insurance company's investment performance. Cash values can be used for a variety of options:
  • Policy can be surrendered at any time for the cash surrender value.
  • Policy owner can take out a loan and use the cash value as collateral.
  • Policy can be changed to a reduced death benefit amount that is paid up.
  • Cash values may be used to pay premiums for a certain period of time.
  • Cash surrender value can be used to supplement retirement income.
Additional liability to protect your assets in the event of a liability claim. Limits available from $1 million to $10 million.

A personal umbrella gives you an additional layer of liability over your existing policies.
What we need:
  • Full names of all members of the household, birth date, social security numbers on named insureds, driver’s license numbers of all drivers.
  • Copies of current policies for your home, vehicles, recreational vehicles and boats.
Liability protection and physical damage coverage for your ATV/UTV/Snowmobile.
What we need:
  • Full name, birthdate, social security number, driver’s license numbers for all operators of the ATV/UTV/Snowmobile.
  • Year, Make, Model, CC rating and Value of the ATV/UTV/Snowmobile.
  • A copy of the current policy if available.
If you are renting an apartment, condominium or home, you need to protect yourself and your stuff.  Renters insurance protects your personal belongings, if someone gets hurt in your apartment, and may even pay for temporary housing if you rented space becomes unlivable.
Car insurance coverage you can count on with affordable rates and responsive customer service.
What we need:
  • Full name, birthdate, social security number, driver’s license numbers for all operators in the household.
  • The year, make, model & VIN# for each vehicle.
  • The use of each vehicle.
  • Limits of liability and deductibles for each vehicle or a copy of current policy, if available.
Term life provides protection for a specified period of time. If the insured dies within the time of the term insurance, the beneficiary receives the death benefit.
Level premium term life insurance has premiums which remain level over a specified period of time. These plans have premiums that remain level for a period of 5, 10, 15, 20, 25, and 30 years. After the initial level period expires, the annual premium increases each year, subject to a guaranteed maximum.
In general, term life insurance is suitable when your life insurance needs are temporary, or, your life insurance needs are long-term but your budget does not permit the higher premiums of permanent life insurance.
Liability protection and physical damage protection for the operation of your watercraft.
What we need:
  • Full name, birthdate, driver’s license number, social security number for operators of the watercraft.
  • Year, make, model, length, value of boat.
  • Year, make, model, horsepower, value of motor.
  • Year, make, model, value of trailer.
  • Type of boat, Outboard, Inboard, I/O or Personal Watercraft.
Liability and Physical damage protection in the operation of your motorcycle.
What we need:
  • Full name, birthdate, social security number, driver’s license numbers for all operators of the motorcycle.
  • Year, Make, Model, CC rating and Value of the motorcycle.
  • Any current certificate (within 3 years) showing a motorcycle safety class was taken.
We offer liability protection and physical damage coverage for your luxury motorcoach to give you piece of mind as you're traveling.
What we need:
  • Full name, birthdate, social security number, driver’s license numbers for all operators of the coach.
  • Year, Make, Model and Value of the motorcoach.
  • A copy of the current policy if available.

Questions? Contact a local agent at 800-472-1544

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
IB Insurance is a wholly owned subsidiary of IncredibleBank. Products offered by IB Insurance are not a deposit, not FDIC insured and not guaranteed by IncredibleBank.