PERSONAL

Personal Auto: We represent many different carriers of personal auto insurance. Whether you want liability only, comprehensive, collision, rental reimbursement, or towing and labor, we can place you with a company that meets your specific needs.

Homeowners: Our agency has the ability to place homeowners insurance with many quality independent insurance companies. We can create the perfect homeowners policy for your individual needs. We have the ability to insure stick built, modular, and mobile homes of all ranges. We also provide homeowners policies for those who rent their homes or apartments. Our agents can tailor your policy to meet your needs.

Dwelling Fire: RIC can provide rental property owners with single or multiple location dwelling fire policies.

Collectable Auto: We offer insurance coverages for your classic automobiles of any year, make, or model. We can provide full coverage including replacement cost coverage. Our agency writes collectable automobile policies through Hagerty and Foremost Insurance Companies, both leaders in the industry.

Flood Insurance: Through the expertise of Auto-Owners Insurance Company we can give you access to the national flood insurance program.

Boat/Personal Watercraft: We offer a variety of coverages for boats and personal watercrafts. We offer hull coverage, comprehensive, collision, liability, and personal effects on almost any type of watercraft.

Motorcycle: From your Harley to your Honda we can cover all makes and models of motorcycles. We offer liability, comprehensive, collision, and replacement cost coverage including insurance on special kits, additions, and accessories.

Recreational Vehicles: Our agency can insure numerous types of recreational vehicles including travel trailers, campers, ATVs, and dirt bikes. We offer a variety of coverages on these vehicles.

Personal Umbrella: The majority of our companies offer umbrella policies as excess liability coverage over home and auto policies.

---

LIFE & HEALTH

INDIVIDUAL

Life: RIC offers a wide variety of life insurance products through numerous independent companies. After assessing your life insurance needs, our agents will be able to find the best plan at the best price for you.

Health: As an independent insurance agency, RIC is able to offer health insurance policies through a number of different companies. This variety of companies allows our clients the chance to choose from many different types of policies and plans. Our trained agents can work with you to help create a health insurance program that is best for you and your family.

Disability: Disability insurance is a coverage most people overlook when preparing their insurance portfolios. Our agency has access to disability plans that can insure your economic well being during hard times caused by accidents, injury, or sickness.

GROUP

Providing group benefits is a great way to retain quality employees and attract new employees. Group life, health, and disability insurance from RIC can help your business stand out from your competitors. RIC offers a variety of group plans and options.

---

COMMERCIAL

Business Owners: Rakestraw Insurance Center, Inc. offers a wide variety of Business Owners policies that can be tailored to meet your individual business needs. Whether you are a retail store or a professional office, we can match your needs to one of our distinguished companies to provide you with the best coverage for your company.

Property: RIC takes pride in properly insuring your business property. We strive to prevent financial losses by insuring your business property to the correct value. This means we give you the best coverage possible on you property and buildings.

General and Professional Liability: Each individual business has its own individual liability needs; at RIC we will work with you to determine the coverage amount your business will need.

Automobile: Whether your business has a fleet of one or one hundred, service trucks or large dump trucks, we have an insurance market for you. We provide liability, comprehensive, and collision coverages at competitive rates.

Worker’s Compensation: Through our vast network of worker’s compensation providers we have the ability to satisfy your workers compensation needs at an affordable price.

Contractors Equipment/Inland Marine: We can insure any type of equipment you may need at your worksite. Whether you need a small tools floater or coverage on large, heavy equipment; we can place the proper coverage on your equipment.

Builder’s Risk: Regardless of the size of the building you are constructing, we can provide you with a builder’s risk policy that will protect the interests of you and your clients.

Umbrella: In today’s society, settlement amounts of lawsuits have reached enormous proportions. RIC can provide you with excess umbrella liability coverage, which will cover you above the limits of your general liability, automobile, and workers compensation policies.

All types of Bonds: RIC offers bonding through multiple insurance companies.
Types of bonds offered:
• Surety Bond
•Janitorial Bond
• Bid Bond
• Dealer Bonds
• Performance Bond

FARM & CROP

Farmowners: Rakestraw Insurance Center, Inc. has accumulated years of expertise in the farm and crop insurance field. We can provide you with optimum coverages for your small or large farming operation. Our farm related coverages include farmowners policies, farm liability, farm propertry, farm equipment, farm employee liability, farm trucks and automobiles, and crop and hail insurance. We can provide insurance for cattle, hog, poultry, tobacco, and grain farms. RIC has unique coverages for equestrian operations of all sizes, including horse boarding and/or instructional riding operations. We can also provide horse mortality policies.