Personal Insurance

Put an Expert in your Corner.

Personal Insurance

We’re always mindful that we’re not selling insurance—we’re providing protection.

Insurance is a product. Protection, though, means peace-of-mind. It means listening. It means understanding our clients’ needs and effectively communicating the insurance or financial products available. It means a commitment to provide the products and services necessary to protect and grow your current – and your future – assets. Here is a quick step by step synopsis of what happens with personal insurance:

Reviewing Coverage Requirements

Esser Hayes has over 3,000 clients and 70+ years of experience in insuring homes, fine arts/jewelry/furs, automobiles of all types as well as leisure vehicles. No two clients have the same needs. That’s why we start by thoroughly analyzing your exposures and your goals before we recommend coverage.

Designing Your Plan

After coverage requirements are identified, the Esser Hayes team reviews a client’s current insurance policies to see if all coverage requirements are met.  Your professional agent then runs quotes from our 20+ top-rated companies to ensure that you are paying an appropriate premium for the coverage provided.

Next, we carefully design a personalized insurance program that includes a detailed analysis and inventory of assets and a review of risk factors.This careful analysis allows us to create the best products and the best price from a partner you can count on. That’s protection.


Personal Insurance

Put an Trusted Partner in Your Corner
We have absolute understanding of the risks that we insure. You. Your Family. Your business. Your Life customized and comprehensive insurance solutions that offer the right combination of asset protection and growth for you, your family and your business. Everytime.

Creating the Right Match

We match the right client with the right coverage. If your coverage needs are met, service has not been a problem and your current premiums are competitively priced, we will recommend you stay with your current company. If not, Esser Hayes will find an insurance company that provides for your needs with the best price and coverage available.

Claims Support & Guidance – Whether it is the 100 year flood (that seems to happen every 10 years) or a vehicle accident, Esser Hayes is there to help you through the always stressful claim process. Your Esser Hayes agent works with our internal claims advocates and your company’s claim department for quick, fair and responsive outcomes to each claim.

Personal Coverage Programs include:


Your home is one of your most valuable assets. It’s where you and your family live and create lasting memories. It’s where you keep your valued possessions. A valued homeowner policy reimburses you for damage to your home from a variety of causes. If your home is totally destroyed or you cannot use it for a period of time, your homeowner policy will provide coverage for that. In addition, homeowners insurance extends to your home’s contents and liability for damage to property of others or injury caused to someone by you or a family member. Finally, your policy can also be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership and additions and alterations to your residence.


The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.


People like to have fun, that’s a fact, and having a recreational insurance plan will reduce your worry. We also like to spend our money on the vehicles and equipment we use for recreation. Whether you are a full-time RV-er, explore the off-road experience, enjoy the pleasure of your watercraft, or fly down the winter trails on your snowmobile, its important to know where your homeowners insurance stops and additional coverage is needed.

When out enjoying your free time, vacation, or longer term travel plans, insuring your vehicles and protecting your liability is part of being prepared to have fun. It’s better not to leave anything up to chance and consider what coverage is best for your family.

Items Covered by Recreational Insurance include: Boats, All Terrain Vehicles (ATV), Recreational Vehicles (RV), Travel Trailers, Snowmobiles, Golf Carts.

Fine Arts/Jewelry/Furs Collectibles

All homeowners policies provide coverage for the contents inside your home, but many people are not aware that there are limits on certain types of items for specific types of loss. Luckily insurance companies offer Scheduled Personal Property which acts like a rider on your homeowners policy to cover your most precious items up to their appraised value. You can even elect to have no deductible, which means you’ll get the full value of your scheduled property in the event of a claim. SPP includes more than just jewelry. You can schedule artwork, rugs, furs, guns and antiques. An appraisal will determine the amount of coverage that your policy will provide and most experts will provide a copy specifically for insurance purposes.

Having teenage drivers isn’t easy. After two total losses on vehicles in just 2 months, I was embarrassed to call with anything new. My agent was completely understanding, prompt, took care of all the details and we received coverage to purchase replacement cars quickly. They knew me, my situation and I always felt comfortable calling with questions or concerns. Josh and Karen were comforting, succinct and professional. This is an agency for life.
Ann Moss,



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