As an independent insurance brokerage, Troy Insurance Group represents some of the best A-rated home and auto insurance carriers in the industry.  Because we are independent, we are not obligated to meet any 'quotas' and we are certainly not limited to quoting the products of only one company.

In addition, because we have such a wide selection of carriers to choose from, we can help you select the coverage that best meets your own specific needs in terms of both coverage and price and we have a wide array of discounts available.  Given the overwhelming number of policy types, endorsements, and various coverages available, having an agent that will actually spend time educating you on the many options available and how they apply to your situation in 'real life' terms can be invaluable.  Some of the types of personal insurance solutions that we provide include, but are not limited to:

• HOMEOWNER'S INSURANCE
  
  • HO-A, HO-B, and HO-C Coverage Options
  • Coastal Properties (Tier 1 & 2) Acceptable
  • Seasonal and Second-Homes
  • 'Unprotected' Fire Protection Classes
  • Homes with Replacement Costs over $1M
• DWELLING AND RENTER'S INSURANCE
  • Renter's Insurance
  • Rental and Investment Properties (inc. vacants) 
• AUTOMOBILE INSURANCE
  • Preferred Driver Programs
  • SR-22's
  • Youthful Drivers
  • Antique and Collectible Automobiles
• MOTORCYCLE AND ATV INSURANCE
  • Choppers and Custom Bikes
  • Trikes and High-Value
  • Cafe Racers / Sports and Performance Bikes
  • Four-Wheelers and ATV's
• BOATS and WATERCRAFT
  • Powerboats and Sailboats (over 26' okay)
  • Pontoons / Party Barges
  • Jet Skis and Wave Runners
• RV's, TRAILERS, AND MOTOR COACHES
  • Motor Coaches
  • Travel Trailers
  • Pull-Behind Units
• PERSONAL UMBRELLA
  • $1M to $5M in additional liability protection
• MOBILE AND MANUFACTURED HOMES
  • Pre-1978 Models Acceptable
  • Rentals, Construction, and Owner-Occupied
• PERSONAL ARTICLES COVERAGE (Scheduled Items)
  • Stand-Alone Coverage for Jewelry, Furs, Artwork & Firearms