Our goal is to protect you and your family from those unexpected events by finding the right coverage at an affordable rate. If you need Auto, Home, Umbrella or any other personal insurance coverage, we can tailor a package to fit your individual personal insurance needs.
Our number one priority at Lider Insurance is to protect your family from any unforseen event that may be a burden to your family in the future. Our Personal lines staff is here to answer any questions you may have and research the best policy for your needs. We have access to many different options and programs to meet your needs.
We strive to build long term relationships with our clients by providing advice on which Personal Lines plan is best for them and provide the best possible customer service when you have a claim. If you have a loss or claim, it pays to know there is a company you can trust to protect you and your family. We can help you with all of your insurance needs.
Services Offered
- Auto Insurance
- Home Insurance
- Life Insurance
- Motorcycle Insurance
- RV Insurance
- Renter's Insurance
- Boat Insurance
- Flood Insurance
For most of us, our cars are one of the biggest investments we make and to experience a loss could be financially devastating. Auto insurance can cover more than just the repairs on your vehicle.
Figuring out which coverages make sense for you can be confusing. That’s why it’s important to discuss your needs with a Lider Insurance agent who can recommend coverages that are right for you and help identify whether you qualify for any of the auto discounts we have available.
Depending on the coverage you choose, your insurance can:
- Cover medical expenses associated with an accident
- Pay for losses caused by underinsured or uninsured drivers
- Reimburse you for damages suffered because of vandalism, natural disasters or theft
- Pay for legal representation in case of a lawsuit
Your house is more than four walls and a roof. It can provide you with financial security. And, it's probably your biggest investment. Inside those walls are possessions and valuables that make your house a home — and those items need protection as well.
The coverage you have depends upon the type of policy you have. Homeowners policies can be quite different, from each other depending on the "form" number.
The most common types of homeowner policies are:
- HO1 Basic or Standard policy
- HO2 Broad form
- HO3 Special (also called Deluxe, All Risk)
- HO4 Renters policy
- HO6 Condo policy
- HO8 Older Home Policy
There are two major types of life insurance—term and whole life. Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, universal life, variable life and variable universal life. In 2003, about 6.4 million individual life insurance policies bought were term and about 7.1 million were whole life.
Life insurance products for groups are different from life insurance sold to individuals. The information below focuses on life insurance sold to individuals.
Term Insurance is the simplest form of life insurance. It pays only if death occurs during the term of the policy, which is usually from one to 30 years. Most term policies have no other benefit provisions.
Whole Life or Permanent Insurance pays a death benefit whenever you die—even if you live to 100! There are three major types of whole life or permanent life insurance—traditional whole life, universal life, and variable universal life, and there are variations within each type.