The Turner Agency

Products And Services

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  Auto Insurance

  Regardless of what you drive, you need the best possible coverage to protect you and your loved ones from any potential risk while on the road. Additional Vehicle Coverage includes: - Yachts/boats - ATVs - Golf carts - Motorcycles - Campers - Jet ski - Traveler trailer, or motor homes - Classic Automobiles Coverage options for your primary vehicles include: - Bodily injury liability - Property damage liability - Coverage for injuries and damage caused by Uninsured/Under-insured motorists - Medical payments - Comprehensive damage from fire, theft, glass damage, hail, or other acts of nature losses - Collision damage from automobile accidents - Rental reimbursement - Loan/Lease gap coverage - New car replacement coverage - Roadside assistance coverage

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  Homeowners Insurance

  Your home is where you live, raise your family, and make lifetime memories: Your home is a significant investment. Many homes are under-insured because the amount of insurance is based upon the purchase price and not the price to rebuild in the event of a total loss. We pledge to offer precisely the protection you need for covered losses to your home, personal property, and other structures from a choice of highly rated companies. The Turner Agency Palmetto program offers a concierge level of services tailored specifically to meet the needs of customers with multiple property holdings, automobiles, and valuables. Coverage options available include: - Dwelling Coverage (damage to your home’s physical structure) - Other structures coverage (damage to a shed, in-ground pool, fence, or unattached garage) - Personal Property (your personal belongings) - Liability Coverage(if someone is injured or their property is damaged by you or one of your family members) - Loss of Use (additional living expenses, if needed, in the event of a covered loss) Additional options in coverage: - Secondary Homes - Valuable Items (jewelry, guns, art, silver, furs, etc.) - Condominiums - Builder’s Risk - Renters or Rental Homes - Flood

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  Umbrella Insurance Coverage

  Every day, we are exposed to risk. Our daily activities result in lawsuit exposures, and unfortunately, you no longer have to be a millionaire to be sued like one: Therefore, we always recommend that you consider an Umbrella policy. Umbrella liability insurance is appropriately named because it “sits over” your primary insurance, providing you a higher level of coverage above your automobile, homeowner’s, boat, and recreational vehicle policies. Umbrella policies give you higher limits, broader coverage, and worldwide liability coverage. Your daily activities result in lawsuit exposures every day, and unfortunately the frequency and cost of lawsuits have increased dramatically over the last ten years. If you can answer “yes” to any of the questions below, we strongly recommend you add an umbrella policy to your coverage. Think about the value of your assets. If your home, automobiles, investments, and potential future earnings are worth $400,000 and your automobile liability insurance limit is only $250,000, then you are left with $150,000 of uninsured assets. You can also be sued for more that your assets as seen in the examples below Do you: - Serve on a board of directors? - Participate in volunteer activities? - Have teenaged drivers? - Drive a carpool? - Own rental or vacation property? - Have jet-skis, a golf cart, or other recreational vehicles? - Have a swimming pool in your backyard? - Have financial responsibility for your children? - Own a small business in your home and see clients on occasion?