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Homeowners insurance helps protect your home, personal belongings, and other structures on your property from damage or loss. It can also provide liability coverage if someone is injured on your property. If you own a home, it’s highly recommended to have coverage—you never know what could happen.

Auto insurance typically covers liability if you cause damage or injury to others, plus optional coverage for damage to your own vehicle from accidents, theft, or weather. It ensures you’re financially protected when the unexpected happens on the road.

Life insurance coverage should reflect not only your family’s needs, but also their long-term goals for financial security. Many people focus on covering debts, education costs, or retirement—but life insurance can provide much more. It can offer the financial flexibility to take time off, care for loved ones, and focus on healing after a loss. That’s why it’s important to work with an agent to develop a personalized plan tailored to your family’s unique needs and priorities.

We carry liability protection on our auto and home policies, but we also offer an additional layer of coverage called umbrella insurance. This policy sits on top of your existing coverage and extends protection beyond those limits.

For years, liability insurance has been about protecting your assets—your savings, retirement, and future earnings. But today, the conversation has evolved. It’s not just about protecting what you have; it’s about recognizing that we’re all human and mistakes can happen.

An umbrella policy gives you the opportunity to protect not only yourself, but also to ensure that if something does happen, others are taken care of in the best way possible—better than the situation they were left in.

Some policies include personal property coverage that protects your belongings even when they’re outside your home—for example, if your laptop or bike is stolen while traveling. Check your policy limits to be sure.

Absolutely! One of the best things about working with Schmick Freeman Agency is that we tailor policies to fit your life, your needs, and your budget—so you’re not stuck with a one-size-fits-all plan.