Insurance Policies Should Custom-Fit Your Life
There are two fundamental problems most people have with insurance - either they're paying for coverage they don't really need, or they're paying for a policy that leaves them vulnerable to risk. Either way, you may be paying premiums for faulty insurance policies and not even know it.
Bad things happen. Accidents, theft, lawsuits … you never know. Unfortunately, too many people are left unprotected when insurance agents don’t custom-fit their policy to their actual needs for coverage. Making the mistake of paying for coverage that’s “good enough” or “cookie cutter” and isn’t specific to your unique needs for protection and risk reduction winds up costing you time, money, and peace of mind.
When you pay premiums, you should expect to be protected. We completely agree. That’s why we listen longer and ask more questions. We take the time to learn about you, your life, your business, and your true requirements for insurance. After all, it’s much better to get covered correctly the first time than to discover a policy gap after an accident happens.
You can trust Century Insurance to cover your life/health, auto/home, and business the correct way the first time. We start with a complete review of your current policy and then determine your actual needs. Once we determine the ideal coverage for your unique requirements, we find you the best carrier at the most effective cost.
Our comprehensive 5-step approach gives you complete peace of mind:
| Step 1. | Identify Your Personal and Business Risk – When you come in to talk to us, we'll explain the kind of coverage that’s important to you and your business. Together, we identify all areas of your life and business that need to be protected. Many of our new customers are surprised when they discover their gap between "have" and "need." |
| Step 2. | Review Your Policy and Current Coverage Areas – Once we know what you need, we determine any shortfalls or holes in your current policy and look for ways to improve your coverage. Quite often, the exclusions in a policy are time bombs waiting to explode. |
| Step 3. | Improve Your Policy to Decrease Your Risk – In this step, we find and share solutions that will close the gaps and decrease your exposure to risk. We recommend better and more complete ways to cover you, your family, and business. Our focus is to precisely match your needs to coverage at all times by eliminating the useless coverage and adding only what you need. |
| Step 4. | Match the Best Carrier at the Lowest Cost – One of our greatest strengths is our access to many, many insurance companies. As your independent agent, we can find the one carrier that will win your business by providing the best product that truly matches your needs at the lowest cost possible. We only work with the most trusted insurance carriers that have proven their strength and value over time with actual performance. |
| Step 5. | Monitor Your Policy – As your life and business changes, so too must your policies. We highly recommend quarterly or semi-annual reviews, particularly for business-related insurance. True peace of mind comes from knowing that your policies always have the proper limits and coverage no matter where life takes you. With Century Insurance, you get that and so much more from your personalized, friendly agent that's always at your service. |
We’re looking for a customer for life, not a quick policy. Call us today to find out how we can help you get properly insured. We’re a different kind of insurance agency. Let us prove it to you.
Email Us - Toll Free (800) 599-2387 - Local (541) 382-4211
Auto Insurance
Without the right insurance protection, you and your family might not be able to pay for necessary medical treatments, car repairs, legal fees, and other costs that come with being involved in an accident whether you're at fault or not!
Liability Insurance
Liability coverage generally protects you from claims that arise out of harm your business (including employees) cause another.
Property Insurance
Property coverage is often divided into two parts in a business policy, Fixed Property (buildings, fixtures, etc.) or Contents (equipment, inventory, etc.). It can be a combined single limit.
Get a Property Insurance Quote
Workers Compensation
As an employer, you have a legal responsibility to make your workplace safe. But we all know that accidents still happen. You need (and are usually required) to have protection against employee lawsuits and medical expenses arising from an injury at work.
Get a Workers Compensation Quote
Group Benefits
Coming Soon
Builder/Contractor
Builder/Contractor coverage contains features for various contracting trades. And, as an added benefit, it offers special optional coverages to address the specific needs of your business.
Get a Builder/Contractor Quote
Health Insurance
You buy health insurance for the same reason you buy auto, home and life insurance, to protect you and your family financially. With health insurance, you are protected in case you need medical care that could be very expensive. You can't predict what your medical bills will be. In a good year, your costs may be low. But if you become ill, your bills could be very high.
Life Insurance
How much coverage should you own personally, not counting group term coverage? With so many people frequently changing jobs these days, many are learning that owning and controlling their own life insurance policy has many important advantages. In addition they are often surprised to learn that they have been significantly underinsured.
Disability
If you were disabled and unable to work as a result of an accident or illness, what would you and your family do for income?
Long Term Care
Long Term Care Insurance is often overlooked by people planning their future retirement needs. Because you must be in good health to qualify for a Long Term care policy, it's never to early to think about planning in this area.
Umbrella & Excess Coverage
What happens when your Auto and Home Liability coverage runs out? Don't let a judge and jury decide whether or not you are in debt the rest of your life for an accident. If you have assets to protect, you may need an Umbrella Liability Policy!
Get a Umbrella & Excess Coverage Quote
Homeowners Insurance
Homeowner's insurance is extremely important. A home is one of the largest investments made in a lifetime. We feel that you deserve the most comprehensive coverage available. In order to insure that your home is covered to 100% of its value we analyze every aspect of the home, current building and labor costs, and your personal property needs.
Get a Homeowners Insurance Quote
Renters Insurance
Whether you're moving in from out of state or changing locations for school, we've got the coverage you need to keep you from being left out in the cold. We can provide coverage for the most precious of your possessions right down to your everyday items.
RV, Boat, & Motorcycle
Don't forget, we also insure your toys, including but not limited to: motorcycles, mopeds, snowmobiles, jet skis, boats, and yachts. While you're out having fun, don't ruin it by worrying whether you're properly covered.
Get a RV, Boat, & Motorcycle Quote
Business Insurance
Personal Insurance
"The folks at Century Insurance have been very responsive, thorough, and proactive in coming up with solutions that protect PV Powered’s business and employees, while reducing costs. For example, Jason Epple helped us put together a Medical Expense Reimbursement Plan (MERP) which has saved the company over $50,000 and has been a great healthcare benefit for our employees.
They make sure our insurance coverage is adequate so I can focus on running our business. I like the fact that they’re proactive in scheduling a review of our policy and ensuring it fits our growing business needs. Their entire team is great with all the details while our agents, Jason and Danny Duggan, work on overall policy strategy and monitoring our business as it changes.
They’re also excellent with respect to dealing with insurance auditors. We had a recent audit where Jason stepped in and resolved a dispute on our behalf, resulting in a significant adjustment in PV Powered’s favor. "
Roger Laubacher
Chief Financial Officer
PV Powered