Personal insurance products from The Russell D. Patten Insurance Agency provide our
customers with protection for their homes, automobiles and personal possessions,
along with personal liability coverages.
How we serve you is as important as what we provide. First, we listen
to you, then we discuss your needs and answer your questions. Next, we
look at both your short-term and long-term objectives and help put your
insurance and planning needs in perspective.
The Russell D. Patten Insurance Agency provides the following types of personal insurance
All-Terrain Vehicles (ATV) are becoming increasingly popular. ATVs now come in a variety of models. Insurance companies have a different set of rules for providing coverage for ATVs, depending on the vehicle type.
ATV insurance is very similar to motorcycle insurance. All-terrain vehicles are three, four or six-wheeled buggies used off-road. 4x4 insurance has the same basic coverages included in the motorcycle insurance policy, tweaked for the needs of off-road enthusiasts.
ATV Insurance Quote
This coverage has two parts. The first is the liability section of the
policy. It covers your financial responsibility for injuring others and
some coverage is required by most states.
The second part covers the car itself: comprehensive coverage
reimburses losses from fire, theft or other perils; collision coverage
pays to repair losses caused by an accident. Often this coverage is mandated
by leasing companies or banks. There are also ancillary medical, car rental
and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages
can help reduce premiums. If you carry umbrella insurance, you must be
sure that you carry the required amount of basic liability insurance to
avoid a gap in coverage for a serious accident.
Auto Insurance Quote
Boat & Marine
Boat or Marine insurance is available for small boats, yachts, high performance
powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance
will cover intended use including personal recreation, commercial, or
Boat policies can cover damage to your boat, motor, trailer,
and personal effects in the boat. Available coverage includes liability,
medical payments, injury to a water skier and damage to the boat itself,
sometime called hull coverage. Availability varies by state and by insurance
company. Even though boat insurance premiums are low, shopping your rate
can sometimes save a substantial amount.
Boat & Marine Insurance Quote
Condominium insurance provides coverage for your unit where your condominium
association insurance stops. Your association typically insures the building
and other common areas. You are responsible for the interior of your unit.
Typically you need personal property and liability coverage. In addition
to coverage for your floors, walls, cabinets and fixtures that your association's
insurance probably will not cover.
Every association's insurance policy is different regarding what each
unit owner is responsible for, so it is important to review your association
policy and condominium by-laws carefully.
Condominium Insurance Quote
Did you know that your homeowners insurance does not cover flood damage?
Insurance against flood must be obtained separately. A flood insurance
policy also reimburses you for the work that you and other family members
did to sandbag your homes, move furniture and remove debris.
The Federal Emergency Management Agency's (FEMA) maps are
important when it comes to flood insurance because if they show that your
home sits in a 100-year flood plain, you must buy federal flood insurance
in order to get a mortgage. If you live outside a high-risk zone, or if
you no longer have a mortgage, flood insurance is optional.
Flood Insurance Quote
If you have tangible assets, you need the protection of a homeowners
policy. These policies cover you in a home or an apartment, whether you
are an owner or a renter. A well-written homeowners policy will pay to
replace any of your personal property that is destroyed in a fire or other
disaster. The policy will also be your first line of defense against a
lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating
factors. The quality of the coverage, however, is determined by the quality
of the insurer and whether the policy is written on a named perils or
all-risk basis. A named-perils policy covers only those losses specifically
cited in the contract. The all-risk policy works the opposite way -- unless
a peril is specifically excluded, coverage is provided. The all-risk policy
is broader and the burden of proof is on the carrier, not you, in the
event of a loss.
Homeowners Insurance Quote
Whether you’re an enthusiast or a first-timer, having fun, being
responsible and being safe is what it’s all about. Being responsible
includes finding the right insurance for your motorcycle.
Motorcycle insurance is a way of sharing the risks of riding between
you and your insurance company. The way it works is simple. You pay a
set premium to an insurance company for coverage. In return, the company
promises to pay for specific financial losses that might occur during
the term of the policy.
Most people rely on motorcycle insurance to protect themselves against
loss in case of an accident. In many states, you must carry basic insurance
to cover the cost of losses you cause to others in an accident. If the
unexpected happens, insurance gives you peace of mind in knowing you are
protected. We have a variety of motorcycle policy options to meet your
Motorcycle Insurance Quote
Motor Home & Camper
As much as you expend efforts to purchase your dream motor home, it is
important to select appropriate motor home insurance policy. Legally speaking,
you are required to have a certain minimum amount of coverage when you
have your motor home registered. However, there are many insurance policies
to ensure that your motor home obtains maximum coverage and protection.
It is important to choose a policy that incorporates the recreational
value of your motor home and does not treat it as another automobile.
Motor Home & Camper Insurance Quote
You don't have to be a millionaire to be sued like one. Million-dollar
judgments against individuals for negligence are still relatively rare.
However, receiving a lawsuit with a million-dollar demand is more common.
If you receive such a court summons and you have only $100,000 of coverage,
you may lose a lot of sleep.
Umbrella policies offer inexpensive "peace of mind" for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as an accidental drowning in your pool or the delivery man being seriously injured on your property.
Personal Umbrella Insurance Quote
Personal watercraft, such as jet skis and wave runners, are often our
customer's first step into the boating world. Personal watercraft are
extremely invigorating and fun for water lovers of all ages; however,
they are not toys. Whether you are a first time boater or experienced
captain, it is important that you have proper coverage for these vessels.
The Russell D. Patten Insurance Agency has policies that are geared specifically for
your personal watercraft. Likewise, because of our expertise in this area
we also have the ability to provide commercial marine insurance for companies
that rent personal watercraft.
Personal Watercraft Insurance
As a renter, you need to protect your personal property against theft
and damage. Our renters insurance is hard to beat for convenience and
value. Plus, we'll assure you the peace of mind you need for your valuable
items and electronics.
Renters insurance can help protect you in case of a liability lawsuit
against you. This could occur in a situation where you are held responsible
- Injury to another person
- Damage to another person's property
Whether the incident occurred within your rented residence, or elsewhere.
Renters Insurance Quote
Because people use their snowmobiles in so many different ways, it can be very challenging to find good, low cost insurance. From a classic Ski-Doo to the latest Yamaha Apex model, from touring sleds to back country machines, every snowmobile and every rider has a different insurance need.
Snowmobile Insurance Quote