Yes. Call today for a free quote and see how much money you can save when you bundle your insurance with us. Whether you need business, auto, or flood insurance, you can rely on our team at Spirit Insurance.

Flood insurance covers direct damage to your property such as structure, contents in your structure, and cleanup from the flood. Flood insurance does not cover basements or water damage that is driven by excessive wind. According to the Insurance Information Institute, 22% of homeowners reported that they are at risk of flood. If you're one of them, be sure to get in touch with our team.

Different policies require different payment structures, so it can depend on whether you're paying auto, home, or flood insurance. Oftentimes, we can choose from monthly, bi-annual, or annual premium payments. We work directly with you to come to the best possible structure to get your premiums paid to the carrier.

Yes, through carrier links on our website. Check for your carrier’s link. Come to us when you need boat, life, flood insurance, and more!

You have several ways to file a claim. Call us directly and we’ll handle it for you. If it’s after hours, you can check the carrier links and file it directly online with your insurance carrier. To learn more about filing a claim or the types of insurance we offer, such as flood insurance, contact us today.

There are five main types of life insurance: term life, whole life, universal life, variable life, and final expense life insurance. You must be aware of what you have and ensure you have the correct policy you’re looking for. See “Life Insurance” page for more information on these. To see what other types of insurance we offer, such as business and flood insurance, contact our team.

Whether you want to purchase life insurance or not is your decision, but if you have debt such as student loans, you may want to pay off that debt and also pay off funeral costs, which are now at least $5k to $10k! Also, life insurance gets more expensive as you get older so it may not pay to wait. When you’re young and healthy, it’s usually less expensive and you don’t know where your life will be in a few years. Life changes FAST. Call or stop in and speak with one of our life insurance professionals today for a free, no-pressure consultation. We also offer home, business, auto, flood insurance, and more!

Several factors determine what you’ll pay for car insurance. Some of them include your driving record, your car/vehicle, demographics and coverages, and limits and deductibles that you choose. To learn more about auto insurance premiums or how premiums are calculated for other types of insurance, such as flood insurance, get in touch with us.