Life is filled with unforeseeable events, such as a fender-bender on the way to work or sudden water damage at home. In these situations, it's important to know that you can rely on your insurance policy to protect you.

As an independent insurance agency, ALL COUNTY INSURANCE helps you find insurance solutions tailored to your individual needs. We draw from a vast pool of personal, property and commercial insurance companies.

We invite you to explore our comprehensive consulting services and get to know our competent and friendly staff.

An auto insurance policy is required to operate a motor vehicle throughout the United States. A comprehensive auto insurance plan can protect you by assessing your liability in an accident and fending off illegitimate claims.

Two types of auto insurance are mandated in the US: The no-fault system and the tort system. Used by most states, the no-fault system stipulates that your insurance company will pay your injury claims in the event of an accident (up to a predetermined limit), no matter who caused it.

The tort system, by contrast, stipulates that those who are injured in auto accidents must seek out-of-pocket medical care, and then hold the insurance company of the driver responsible for reimbursement. Such individuals must be able to prove that the medical care was reasonable and necessary. Under this law, the party at fault cannot sue for reimbursement of medical expenses.

Fire, wind storm, water damage, sink holes are just some of the many risks your home is vulnerable to. We can help you determine your coverage requirements, using an insurance cost estimation tool. This will help us advise you on the proper amount of insurance to reconstruct your house in the event of a total loss.

Many people believe that flood insurance is part of their homeowners policy and it is not! Understanding insurance can sometimes feel like you are going through a maze.  Let the flood experts at ALL COUNTY INSURANCE  get you the comprehensive inusrance you expect to have, so you dont find yourself caught out in the rain alone.

A flood is defined as follows:

• A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder's property) from:
  --Overflow of inland or tidal waters; or
  --Unusual and rapid accumulation or runoff of surface waters from any source; or
  --Mudflow;or
• Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above