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The Personal Insurance Team

Personal Insurance is a part of our every day lives. As independent insurance agency, we run across quite a few unique situations. Whether you own a home or you rent, you need insurance.  Whether you drive a car, ride a motorcycle, or move around only by Segway, you need insurance.

The personal insurance team can assist with a broad array of products to assist renters, homeowners, drivers, and those with a passion for powersports.

Our customer loyalty comes from a variety of reasons.  The level of personalized customer service that you receive from the personal insurance department is not something that you see in today's fast-paced world.  Sure, we can quickly obtain quotes for you, but our team is happy to talk with you about your situation to learn about your needs and to help you find the amount of coverage that you desire.

From a basic auto insurance policy, to a complex combination of home, auto, landlord, watercraft, and umbrella policies, we have the knowledge, technology, and caring staff to be here for you.

Grow with Us

As you grow, your need for insurance can grow.  When you first move out of your parent's home and rent your first apartment and now are responsible for your own car, you will need auto and renters insurance.  One day, you find yourself putting in an offer on a new home and getting married.  We will be here

Power Sports and Specialty Insurance

Whether you ride something fast or something slow, we have a large selection of insurance carriers to help you with insurance.  Our dedication to the power sports and specialty insurance industry goes back to almost our first day.  We are able to compare multiple quotes for low speed vehicles (LSVs), golf carts , motorcycles, dune buggies, ATVs, RVs, and much more. 

 

 

 

Why do I need an independent agency?

There is much more to an insurance quote and policy than what you see on the first page. 

  • Do you know about sublimits on property policies? How much jewerly is covered?

 

  • Do you know about permissive user coverage on your auto policy? What happens if someone drives your car that's not listed on the policy? What if your children let a friend drive.

 

  • What coverages transfer to a rental car?

 

  • What dogs are prohibited on some homeowners policies?

Just because you see two quotes that show the same coverages shown on the one or two page quote, this does not mean that they are the same. Not all insurance policies are created equally, which is why we work with many top-rated carriers for both personal and business insurance, to help find that balance of price and coverage that is right for you.

At Stratum Insurance Agency, our team takes the time to understand your needs and the policies that we sell.

A Modern Insurance Agency

Have you ever felt like you were dealing with someone who was trapped in the past?  Stratum Insurance Agency LLC is moving forward with the world.  From our use of e-signatures to our mobile website designed for iPhones and Android phones (amongst other mobile devices), wecan help you in whatever way is most convenient.  Of course, we are still happy to help you if you prefer to have your documents mailed to you.

We accept a variety of forms of payments (this may vary by policy type), from credit cards, debit cards, checks, check by fax or e-signature, money orders, cashiers checks, western union, and wire transfers. 

As part of our greener business initiative By using electronic signatures, we reduce our paper usage by sending documents for electronic signature, when available.  It also makes life easier for you because you will not need to get to a fax machine or the post office to return the documents.

At this time our services are available to in over 40 states.

 

Insurance license types and lines of authority vary by location.  Not all products available in all states. Individual agent(s) licensed in some states.