Josh Rice
Personal and Business Insurance

Farmers Insurance

• http://www.kirklandfarmers.com

Protecting your Lifestyle helps you Sleep Better

Many people I meet don't really know what insurance does. What's the difference between Comprehensive and Collision? Is the reconstruction cost on my homeowner's policy adequate? Am I covered on a rental car? Am I covered if I'm sued because of personal injury?

What insurance really does is protect your assets and help you sleep better!

People ask me every week - 'how much insurance should I have?' Well, not only can we help you decide how much to have, we'll help you understand what types of insurance there are and where they...[more]

Protecting your Lifestyle helps you Sleep Better

Many people I meet don't really know what insurance does. What's the difference between Comprehensive and Collision? Is the reconstruction cost on my homeowner's policy adequate? Am I covered on a rental car? Am I covered if I'm sued because of personal injury?

What insurance really does is protect your assets and help you sleep better!

People ask me every week - 'how much insurance should I have?' Well, not only can we help you decide how much to have, we'll help you understand what types of insurance there are and where they may fit into your long-term plans.

With insurance, there are only two times money is exchanged - your monthly bill - and when there is a claim. I help people look at insurance from the "what if" scenario, explore what's really important to them, and work up a proposal based on information that THEY provide about their asset levels, risk tolerance, and liability exposure. Not every person or family has the same needs.

Buying insurance is like buying ice cream: everybody has different flavors that they like, and you can buy just a scoop in a bowl or a 5-gallon bucket. We'll help take the mystery out of it for you. After meeting with us for a consultation, you'll have a very good idea exactly what types of insurance you want and also what level of coverage is appropriate for you. [less]