Homeowner's Insurance combines coverages, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of personal possessions, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner.

The National Flood Insurance Program (NFIP) offers up to $250,000 for your building and $100,000 for contents.  But for many homeowners this is not sufficient coverage. Private Flood coverage can offer more extensive protection and may include loss-of-use coverage. Kirk Creek can help you compare NFIP and private coverage options.

Personal Auto insurance covers your commuter and pleasure vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident. Coverages vary based on individual needs, let us advise the proper coverage for you