Bea Montgomery Insurance Agency
Serving the Tri-Cities area since 1996
We are a Farmers Insurance Group Agency.
We strive to give all policyholders the type of service they desire and have every right to expect.
We take pride in the quality of our products and the quality of the service we offer.
We bring security and value to those who do business with our agency.
We along with the Farmers Insurance Group of Companies will earn the reputation of being the best.
Our products and services include:
- Auto Insurance
- Home Insurance
- Life Insurance
- Business Insurance
Auto insurance: What coverages do I need?
In case you're involved in an accident, auto insurance provides financial protection for you and your family. It pays for the damage and injuries caused by the accident and for repairing or replacing your vehicle if it is damaged or stolen.
Types of Auto Insurance Coverages:
There are many different types of auto insurance coverages for you to choose from. Your local Farmers agent can work with you to decide what coverage combinations provide the best protection at a price that fits your budget.
- Fault or No-Fault - Depends on state law.
- Collision - Pays damages to your own vehicle.
- Comprehensive - Pays for losses from fire, theft, storm, etc.
- Deductible - The amount of a covered loss you agree to pay.
- Bodily Injury - Pays for injury to others when you are at fault.
- Property Damage - Pays for property damage when you are at fault.
- Medical Payments- Pays for your own or your passenger's medical expenses.
- Personal Injury Protection - In no-fault states, this covers a broad assortment of medical expenses.
- Uninsured/Underinsured Motorist - Coverage for you if other driver is not insured or is underinsured.
In addition to basic auto insurance, consider these optional services to provide added protection for your vehicle:
- Emergency roadside assistance and towing service
- Windshield glass repair service
Home Insurance
Types of coverage:
Whether you own a house or condo, or you rent, your Farmers agent has an insurance program to protect you, your home, and your belongings.
Please contact your Farmers agent for more information.
For Your Home:
What kind of insurance policy do I need to protect my home? That depends, are you buying a house, condo or townhouse? Or do you rent?
How can I make my home safer and possibly save money?
Do I need mortgage protection insurance?
How much would it cost to rebuild my home at today's prices?
For Your Personal Belongings:
What would it cost to replace the contents or personal belongings of my home?
Is there coverage to repair and/or replace the appliances in my home?
Do I need to take an inventory and photographs of my belongings?
How do I protect my identity?
For You and Your Guests:
What kind of protection do I need against liability claims?
Will my guest's medical expenses be covered if they're accidentally injured on my property?
For Your Coverages:
Do I need earthquake insurance?
Should I get Flood insurance?
Do I need Personal Liability Umbrella coverage?
How can I make sure there is adequate coverage for my valuables (jewelry, silverware, furs)?
How much should my deductible be?
Will I be reimbursed for additional living expenses if I cannot live in my home due to a covered loss?
Life Insurance
Life Insurance offers you the peace of mind that comes with knowing your family's needs are covered in the event of your death.
There are three basic types of life insurance:
- Whole Life Insurance is permanent insurance that provides coverage for the "whole life" of the insured.
- Universal Life Insurance is flexible coverage and cash value accumulation.
- Term Life Insurance is temporary coverage to fit business or personal needs.
Your Farmers agent can assist you in getting the right coverage.
Business Insurance
- Personal motorcycle and watercraft
- Boat
- Umbrellas
- Mobile Homes
- Travel Trailers
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