Personal Insurance

For more than 75 years Winters-Oliver has been working with individuals and families to make sure their assets are protected.  Our personal lines insurance staff is knowledgeable, experienced, and they truly care about our clients.  When you speak with our staff, you will find the conversation to be consultative as they help you to understand what is at stake and then develop a solution to properly insure your home, cars, jewelry or collectibles, vacation home, boat, and more.

Homeowner’s Insurance

We can provide you with the following:

  • Personal Auto
  • Umbrella

Renter’s Insurance

We can provide you with the following

  • Vintage Automobiles
  • Boat/RV

Dwelling Fire (Rental Properties)

We can provide you with the following

  • Jewelry and other Valuables
  • Toys (PWC, ATC, etc)

We know that price and coverage are important. Winters-Oliver is an independent insurance agency meaning we are not restricted to offering policies from just one insurer. We tailor personal insurance programs that appropriately match clients’ risks. To do this effectively, we feel it is important to get to know each client as different stages of life prevent different risks.

We help the first-time homebuyer understand homeowner’s insurance for the first time.  We make sure young families understand the added risk of the trampoline or pool in the backyard.  When the kids go off to college, we’ll be there to make sure liability insurance follows your young student to campus.  Once the kids have graduated and the tuition bills stop coming and you finally buy that second home, we’ll be there to help you protect that too.

Our process takes longer than a brief phone call and it is more involved than a few clicks of a mouse.  After all, it probably took you more than 15 minutes to acquire your assets.  Let’s give them the attention and the protection they deserve.