You've spent years building your lifestyle. Have you done everything you can to protect your family, yourself, and your assets? For instance:

• Is your home fully covered against fire and flood damage?
  
• Are your cars protected against hail damage?
  
• Is your jewelry covered by an individual policy (homeowner's insurance doesn't cover everything)?
  
• Do you have enough life insurance if something happens to you?
  
• If you become disabled, will you still be able to pay your mortgage?
  

Hale-Smith Insurance can help you cover all of your most precious assets, so you'll be able to feel secure about your lifestyle.


Our comprehensive product lines include:

• Homeowners
• Automobile
  
• Jewelry/Fine Art
• Umbrella
  
• Life Insurance
  
• Disability
  

To learn more about Hale-Smith Insurance, contact us and tell us how we can help.

Jewelry & Fine Art Insurance

More than $1 billion in jewelry and fine arts is stolen every year. In fact, the U.S. Department of Justice estimates that jewelry accounts for as much as 70 percent of all stolen property.

But fortunately, there are precautions you can take - such as purchasing adequate insurance and having your jewelry appraised - to make sure that you will be compensated for any jewelry loss.

Did you know that jewelry insurance coverage under your homeowner's policy might not provide the kind of protection you need? Most homeowner's policies cover jewelry losses from theft or fire. Few provide coverage for lost or misplaced items. When stolen, misplaced or lost jewelry items are covered, homeowner's insurance typically limits coverage to $2,500.

Hale-Smith Insurance offers many outstanding jewelry and fine art insurance policies. Please contact Hale-Smith Insurance today to provide your precious valuables with the kind of protection they need, above and beyond what your homeowner's policy provides.

Personal Umbrella Insurance:

Personal Umbrella Liability insurance protects your assets in the event that you (or a member of your household) accidentally injure another person or damages someone's property, and you do not have enough insurance on your other policies to protect your interests.

Please contact Hale-Smith Insurance - we'll provide you with many outstanding options for the best umbrella coverage

Disability Insurance

Did you know that you are more likely to become disabled than die during your prime working years? Statistics show that one in seven people becomes disabled for at least five years before reaching age 65. And between ages 35 and 65, one in five people will become disabled. That's why you should consider obtaining disability insurance.

Being out of work for an extended period can have devastating financial consequences on your family. Yet, more Americans have life insurance policies than have disability insurance (about 70 percent vs. 40 percent). We protect ourselves against dying, but not against losing our greatest asset - our earning potential.

That's where disability insurance comes in. Disability insurance can offer a financial safety net. When you're unable to work for an extended period of time because of an injury or illness, it pays monthly benefits until you are well enough to return to work.

Disability insurance is an investment in your earning power. Be certain to acquire a level of protection that provides comprehensive coverage for any need that may arise. Contact Hale-Smith Insurance to learn about our excellent disability insurance options.

Term Life Insurance

There are many reasons for purchasing life insurance, such as:

• Family protection to provide financial security to surviving family members upon the death of the insured person.
  
• To pay for children's education.
  
• Insurance to cover a particular need such as paying off mortgage or consumer debt upon the insured's death.
  
• Business insurance to compensate a company upon the death of a key employee or to provide a surviving partner the resources to buy out the deceased partner's share of the business.
  
• To provide funds to pay estate taxes or other final obligations necessary to settle a deceased person's estate.
  
• To provide the funds necessary for burial expenses.
  
• Accumulation of funds to supplement retirement income.