Paczolt Insurance is an “independent agency” representing both national and regional
carriers who offer all major lines of personal insurance. Our personal insurance
agents will review your exposures to risk and recommend the best combination of
coverages suited to your specific needs at a competitive price.
Our personal lines department also tailors insurance as your needs change. We look
for the most cost effective solutions to provide you with adequate property and
liability coverage as your personal risks evolve.
We also recognize that insurance programs of individuals and families vary greatly.
Families with teenage drivers have different insurance needs from families nearing
retirement. Young couples just starting out in an apartment have very different
needs from an “established” family with several autos and a house with a swimming
Our job is to provide you with a competitive insurance program includes recommending
the proper combination of important coverages for property, liability, and automobile
risks. We will as “independent agents” representing multiple companies “shop” for
- Reviewing limits on your dwelling, personal property, and collectibles.
- Explaining the benefits of scheduling valuable items such as artwork, jewelry, coins,
silverware, antiques and other collectibles and review limits for these items on
your current policy(ies)
- Assessing risks and recommending coverages suitable for items such as swimming pools,
trampolines, dirt bikes, ATV’s, snowmobiles, boats, and jet skis.
- Reviewing your automobile liability limits and physical damage deductibles.
- Advising on “optional” automobile coverages such as towing, transportation expense,
loan/lease gap and replacement cost coverage (for the new model year).
- Looking for discounts on auto, homeowners and other policies. These may include
good student or loss free discounts on auto, credits for combining home and auto,
or credits for sprinklers, fire or burglar alarms on homes, and many others.
If you have an in-home business we are familiar with company rules and what types
of businesses may or may not be covered by your personal insurance policy. We offer
Automobile: Personal, Classic, Exotic or Antique
Homeowner: Primary and Secondary residences
Recreational Vehicles: Motorcycles, Motor Homes, Trailers, and R.V’s
Personal Property: Valuable Articles, Collections, Fine Arts, Guns, Jewelry, Silver,
China, and Antiques
Personal Umbrellas (for extra liability protection)
New home? New car? New ring? Or just looking for better pricing or advice? Please
contact our personal lines representatives for a review and competitive quotation
for your insurance.