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Personal Lines

Automobile
Despite the seemingly steady rise of auto insurance premiums, there are several ways to keep your policy costs down. Our staff will discuss these methods with you and check your eligibility for preferred driver programs.
     Cost, however, is not the only consideration. Equitable coverage for the money you are spending is of utmost importance. Purchasing coverage that does not meet your specific needs is not to your advantage. There are few important items that you must pay attention to when buying automobile insurance:

• Bodily Injury & Property Damage Liability Limit - must be high enough to protect your assets in case you are held liable for an accident

• No Fault Coverage (PIP) Limit - covers you and the occupants of your vehicle for injuries sustained during an accident and must be high enough to meet your specific needs
• Uninsured Motorist Coverage - protects you in case you are injured in a non-at-fault accident and the other party was uninsured or underinsured
• Physical Damage Coverage - provides coverage for damage to your vehicle through comprehensive (fire, vandalism, theft and glass) and collision
• Rental and Towing Coverage - pays the necessary emergency expenses in case of a breakdown or an accident.

We will assist you in choosing the appropriate coverage and find the right company for you based on your prior insurance experience and your driving record.

Homeowners
Catastrophe can strike anyone, anytime. Fire; theft; personal injury; water damage and any number of unexpected  accidents. You need to know that your home and your contents are insured under a policy flexible enough to cover your precise needs. Our Homeowners Insurance programs will cover all of your home insurance exposures and close potentially dangerous coverage gaps.
     Our staff can guide you through the maze of insurance companies and programs to select the product that best meets your needs and budget. Homes come in different shapes and sizes, new and old, luxury and economy and so do our homeowners insurance programs. Whether basic coverage suits you or a fully customized policy to cover expensive possessions, the Lewiston Insurance Agency can direct you to the right carrier that will best meet your requirements.
     All of our homeowner insurance programs come with a variety of discount features. Our customer service representatives will ask you many questions about your home to make sure that you qualify for the best available price for the coverage requested.