Auto Home Insurance

Quality personal insurance products add peace of mind and security to your life.
Jenks Family Insurance provides the personal service of a small agency with the products and technology of a large agency. Homeowners insurance is much more than coverage for your residence, it also provides protection for your jewelry, furs, important papers, antiques and other valuables. Coverage is available for watercraft and sports equipment as well.

 

We specialize in:
•Personal Auto Insurance
•Home Insurance
•Renters Insurance
•Life Insurance
•Motor Homes and Travel Trailers
•Motorcycles and ATVs – including coverage for any custom parts and equipment
•Snowmobiles
•Boats and Yachts

Umbrella/Excess Liability Insurance
Homeowners InsuranceYour home is probably the most important investment you will ever make, so you want to keep it safe and sound. Homeowners insurance is much more than coverage for your residence, it also provides protection for your jewelry, furs, important papers, antiques and other valuables. Coverage is available for watercraft and sports equipment as well. With homeowners insurance from Jenks Family Insurance, you can protect your home and belongings from fire, burglary and other perils, and feel secure knowing you are adequately covered in case of a loss. We offer several homeowners coverage’s, to help you find the insurance protection that best fits your needs.
Dwelling Property - Protects your house and attached structures, such as a garage and porch.
Other Structures - Covers separate structures on your property, such as a utility shed and pool house.
Personal Property - Protects your personal belongings anywhere in the world.
Loss of Use – Provides reimbursement for additional living expenses after a loss.
Personal Liability – Covers payment you are obligated to make when a court determines you are at fault for damage to another person’s property.
Medical Payments to Others – Compensates others who are injured on your property or whom you injure by accident.
Extend Your Homeowners Coverage - We offer a variety of additional coverage’s to extend your protection beyond our homeowners insurance, such as:
Identity Theft Coverage – Our homeowners policyholders have an opportunity to purchase identity theft insurance to protect them from one of the fastest-growing crimes today. Along with coverage’s, you also get valuable and time-saving assistance should you become a victim of identity theft.
Revitalized Home Program – If your older home has been renovated within the last 35 years and meets our general renovation criteria, you may qualify for a substantial discount on your homeowners insurance.
Renters Insurance – When it comes to your personal belongings, renting an apartment or house is no different than owning a home. You could still face the cost of repairing or replacing these items because of fire, theft, wind or other perils. Our renters insurance can protect you against loss of personal property, such as furniture, clothing and electronic equipment.
Condominium Insurance - While your condo association insures the building on behalf of condo owners, our condominium insurance safeguards your personal property, as well as any improvements or alterations you make to the building.
Flood Insurance - If you buy a house in a designated flood zone and obtain a mortgage from a federally regulated or insured lender, you are legally required to carry flood insurance.
Liability coverage – Protects you and your family against claims for bodily injury or property damage that you or family members cause to other people and are found or deemed to be negligent. Household members can include any family members that reside in your house, as well as your pets. Medical coverage is also part of the policy. If there is an injury at your home, you can have that insured person submit the medical bills without a lawsuit being filed against you.
Automobile Insurance - When a covered loss occurs, an auto policy is designed to pay the cost of repairs to your vehicle in case of an accident, protect you from lawsuits, and provide coverage for injuries that may be sustained from an accident.
Comprehensive - Covers your automobile for damage not caused by collision, or upset. For example: Fire, theft, vandalism, hail, wind, glass, hitting an animal, and much more. This is optional coverage, but if you are financing your car, the bank or lease company will require you to carry this coverage.
Collision – Pays for damage to your automobile caused by a collision, or upset. This is optional coverage, but if you are financing your car, the bank or lease company will require you to carry this coverage.
Bodily Injury Liability – Covers your legal liability for bodily injury claims brought against you. Lawsuits can be for any amount regardless of your income and financial worth. The courts are more willing to garnish wages and seek restitution to satisfy judgments if you are found legally liable. Therefore you need to choose liability limits that are high enough to cover possible claims.
Property Damage Liability – Covers your legal liability for property damage. This coverage protects you for damage you do to another’s property. Coverage limits should take into account the amount of maximum damage that you feel you could be responsible for. Think about what happens if you damage a valuable piece of real estate, or if you cause a multiple car accident involving expensive damages to vehicles.
Uninsured/Underinsured Motorist – This provides coverage to you when you are injured by another person who has no insurance, or has limits that do not cover your damages. To be able to collect this coverage, you must also have bodily injury limits that are greater than the responsible party’s limits. This coverage will only be available upon a court-awarded settlement or judgment.
Transportation Expenses – Also known as rental reimbursement, you can pick a daily limit that you can use if your car is involved with a covered loss, and you are in need of a rental vehicle while it is being repaired or is not drivable.
Road Service – Also known as towing, you can be reimbursed for your expenses up to the limit you choose for towing or any other roadside assistance need.
Recreational Vehicle Insurance -Our agency offers insurance policies tailored to meet specialized insurance needs for any of your recreational vehicles. We can help protect your investment from top to bottom. We offer the following types of RV insurance policies
Life Insurance - You can purchase a life insurance policy with the goal of replacing income that would have been earned throughout an individual’s life. Depending on your goals for your family and children, you may purchase a policy that provides funds for a college education. Life insurance will also be an important estate-planning tool if the estate taxation rates and limits are changed in the future. Business applications also apply in the event that there may be a need for transferring the ownership of a business. There are many different types of life insurance. Term, Whole Life, and Universal Life policies are the most common. Each is very different, but they all provide funds at the time of need. When looking for a policy, it is best to consult with someone that can help you determine your long- and short-term goals. Matching you to a policy that fits your exact needs is very important.
Your current health status and long-term goals are very unique to you, and as an independent agent, we have access to many companies that assist us in tailoring a policy that is just right for you.
Umbrella – Everyone should consider purchasing an umbrella excess-liability policy. In the past only people with wealth were considered to have the need for this policy, but as lawsuit amounts have risen, there’s risk involved for just about everyone. Your auto, home, boat, and renter’s policy may not provide enough coverage to fully protect you in case of a serious accident. And this type of policy provides an additional layer of liability coverage above your existing policies. As part of the underlying umbrella/excess-liability policies, the insurance company will pay your defense costs if your lawsuit is for a covered loss. The cost to you, therefore, is relatively inexpensive compared to the amount that you could spend for your own legal defense.