Winters Oliver Insurance Agency
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Protecting your personal belongings is always a primary concern for any family.

At Winters-Oliver Insurance Agency, Inc., our Personal Lines Specialists work with you to develop a custom-tailored insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable, competitive costs our carriers can provide.



The biggest investment most people will ever make is in their home.

That’s why it makes sense to protect the sizable financial investment you’ve made in your own home with a comprehensive homeowners plan. 

Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.

Basic Protection You Need For

  • Your home
  • Other buildings or structures on your property
  • Your personal belongings - furniture, clothing, appliances, etc.
  • Additional living expenses
  • Your personal legal liability

Special features you can choose for additional security

  • Home Replacement Guarantee
  • Replacement Cost on Contents
  • Additional Coverage Form


If you have any doubts about the appropriate level of automobile coverage that's right for you, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the coverages best suited to your needs.

To properly protect yourself from the always present danger of huge awards for auto liability, it is imperative that you maintain the proper level of coverage for your particular situation.

Compulsory Auto Policy Coverage

• Bodily Injury to Others
• Personal Injury Protection
• Bodily Injury Caused by Uninsured Auto
• Damage to Someone Else's Property

Optional Coverages

• Optional Bodily Injury to Others
• Medical Payments
• Collision
• Comprehensive
• Substitute Transportation
• Towing and Labor
• Bodily Injury Caused by an Underinsured Auto



An Added Layer of Protection

A personal umbrella policy provides additional liability protection in the event your homeowners or personal auto liability limits are exhausted.  An umbrella policy responds when the most catastrophic events occur.  Business owners who want to better protect their personal assets and parents with teenage drivers are just two examples of people who might consider an umbrella policy. 


Have you ever thought about what you would do if you lost that baseball card collection you've had since childhood?  What about that garage full of classic cars?  Talk to the personal lines team at Winters-Oliver about insuring your collectibles like coin and stamp collections, sports memorabilia, and antiques.


As you travel so does your jewelry another precious valuables.  Have you ever had that earring or bracelet mysteriously disappear which was never to be found again?  Sometimes insuring your valuables is as easy as adding and endorsement to your current homeowners or renters policy.  For those with a larger collection, our personal lines department can advise you on the most effective way to protect your jewelry.

Please contact us today for your Personal Insurance needs.


Winters-Oliver is a specialty insurance agency offering property & casualty insurance and employee benefits to small and middle market businesses.