Personal Insurance Services
Your home, family, vehicles, and personal assets deserve protection designed around your unique needs. At Starkweather & Shepley, we take the time to understand what matters most to you and build a comprehensive personal insurance program to help protect it. Our experienced advisors provide personalized guidance and access to a broad range of insurance solutions. We help simplify the process, identify potential gaps in coverage, and ensure your insurance evolves as your life changes.
Personal Insurance for Changing Needs
Your insurance needs may change over time. You may buy a new home, renovate your property, purchase a vehicle, or consider added liability protection for your household.
Starkweather & Shepley Insurance works with individuals and families to discuss coverage needs and possible risks. Our team provides clear guidance and ongoing support to help clients make informed decisions.
What Personal Insurance May Include
Personal insurance may include coverage for individuals and families.
Common areas may include:
Homeowners insurance
Automobile insurance
Personal liability insurance
Personal umbrella insurance
Flood insurance
Condo insurance
Renters insurance
Valuable articles coverage
Insurance needs can shift over time. Regular reviews can help clients keep coverage aligned with their goals and priorities.
Personal Insurance Services
Starkweather & Shepley Insurance works with individuals and families looking for a more personal approach to insurance planning.
Coverage Reviews and Risk Discussions
Insurance planning often starts with a review of current coverage, assets, and possible risks. These conversations may include policy limits, and liability concerns. We can also explain how different policies work together.
Home, Auto, and Household Protection
Many individuals and families need coverage for homes, vehicles, valuables, and daily liability exposures. Starkweather & Shepley Insurance helps clients review available options and consider coverage that reflects their household priorities.
Travel Insurance
Traveling can involve unexpected changes, delays or disruptions. Starkweather & Shepley provides access to travel insurance resources to help review coverage options.
Claims Guidance and Support
Claims guidance is an important part of the client relationship. Starkweather & Shepley Insurance works with clients during the process, providing communication throughout.
Life and Asset Planning
Life and asset protection discussions may include life insurance, long-term care, disability insurance, and estate-related planning considerations.
A Reputation Built on Trust
We’ve built a strong reputation for service, professionalism, and responsiveness.
Our manufacturing facility has worked with Mike Prentiss for a number of years. Before we started doing buiness, our instance package was not up to par and needed help. Mike jumped in and needed help Mike jumped in and fine-tuned our coverage. His sense of urgency and knowledge of the insurance industry, particularly in the manufacturing area, are second to none. We could not be happier with the service, value and comfort knowing that we are in good hands.
Aviation Parts Manufacturer
I have had the pleasure of working with Mike Prentiss since 2020. His knowledge and expertise are second to none. Mike and the team at Starkweather & Shepley always respond quickly and are always there to help with my many questions and requests. I highly recommend them!
Callie Lee
Been using them for my insurance needs for 4 years and always there when you need them.
Joshua Evon
Frequently Asked Questions
What is personal insurance?
Personal insurance helps individuals and families protect property, vehicles, personal belongings, and liability exposures. It may include homeowners insurance, auto insurance, umbrella insurance, flood insurance, and other household coverage options.
What does personal umbrella insurance cover?
Personal umbrella insurance may provide added liability protection above the limits of other policies. It is often reviewed alongside homeowners and auto insurance.
How often should personal insurance be reviewed?
Many people review insurance coverage once a year or after major life changes. This may include buying or renovating property, buying a vehicle, or changes within the family.
Why work with a personal insurance advisor?
A personal insurance advisor helps clients understand coverage choices, review risks, and make informed decisions. This can be helpful when several policies need to work together.
Does homeowners insurance cover flood damage?
Standard homeowners insurance often does not include flood coverage. Flood insurance is usually reviewed as a separate policy or coverage option.
How is private client insurance different from standard personal insurance?
Private client insurance often involves higher-value assets and broader liability concerns. It takes a more personal approach to insurance planning.
