Insurance Coverage Custom Built For All Your Insurance Needs
McColly Insurance Agency, as your advocate, are committed to providing our clients with competitive rates, quality products, award winning customer care and innovative claims service. We offer a broad range of insurance products for personal and commercial needs, along with a wide variety of A rated companies. Our experienced, licensed professionals will research your individual needs, design a customized insurance plan to fit those needs and find the most competitive rates so you have the peace of mind that everything you have worked so hard for in your life is covered.
Homeowners insurance is designed to bring your home and possessions back to the same condition they were in before a loss occurred. It will also cover your liability or legal responsibility for any injuries you or members of your family cause to other people, including injuries caused by the family pets. Your home is your largest and most important investment and each home is unique in its own way, our agents will take the time to determine specific needs and will design a customized program to serve you best.
A common misunderstanding among condo owners is that if the building is covered under the association then they are protected from potential losses. This is incorrect...the Condo Associations cover the property, common areas and the physical structure of the building. Rule of thumb, condo owner is usually responsible for inside walls, their personal property and their own liability. When in doubt, let us at the agency look over the association's by laws so we make sure that the insurance coverage is exactly what you need, again to give you peace of mind that you are covered correctly.
A flood is a general and temporary condition where two or more properties are inundated by water or mudflow. Many conditions can result in flood: hurricanes, overtopped levees, outdated or clogged drainage systems and rapid accumulation of rainfall. A misconception of flood often is back up of water from a broken washing machine or a toilet over flowing, that is not a flood and would be covered under your normal homeowners policy. A flood is usually rising water from outside coming into your home due to large amount of rainfall, then needing the coverage under a Flood Insurance Policy. The Flood Insurance Policy is a separate policy whose coverage depends on several factors most importantly, your Flood Zone rating.
As a Rental Property owner, you need to be aware that your homeowners insurance policy does not protect your rental property. It must have a policy as a Rental, sometimes known at a Commercial policy. It protects your property (structure), investment from certain types of damage and liability unique to landlords. A Rental Property policy can also prevent a loss of income if your property cannot be rented because of a covered loss. We can review all the options and endorsements with you to find the ones that fit your needs.
More and more you will find today, a requirement from rental agencies and apartment complexes for you to carry Renters Insurance. This is a good thing and feel that every renter should carry Renters Insurance. This is what is going to cover all your personal contents, temporary housing in case of a loss and will act as primary liability protection.
Seasonal/Secondary Homes are great investments, but insuring one is a bit different than insured your primary home. How you insure your second home varies per Insurance Companies. Our licensed agents will be able to help find the right policy for the most competitive price.
Manufactured/mobile home insurance is different than your traditional homeowners insurance. It is similar to the homeowners policy, with two major differences. The construction and valuation of the home over time. With this type of home, it usually depreciates or loses value over time, which could cause the insurance rate to change.
If you decide to build your own home, many builders will require you to purchase a course of construction or builders risk policy to cover the home while it is under construction. This policy will include covering the construction material if stolen. Once the home is completed it then would change into the normal Homeowners policy as you know it.
A standard homeowners policy may not have as much coverage to replace your treasured items, from Jewelry to collectibles. You may need a personal articles policy or add them as schedule items on your homeowners policy. If you have antiques, jewelry, instruments, fine art, stamp/coin collections, silver please make sure to let us know so we can make sure to cover them correctly.
An umbrella policy protects your existing and future personal assets against the cost of losing a lawsuit due to an accident in your vehicle, recreational vehicle, or home. Unfortunately, one accident can cost millions, this is a way to give your more coverage than what your auto or home policy includes.
Auto Insurance is mandatory in most states. It protects you from any financial losses and damages caused by an accident, theft or natural disasters. The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft or other covered events. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life or property damage caused by an accident involving your vehicle.
This type of policy will help you cover the prize possession without killing the bank. With this product you may purchase a policy to cover the classic/antique car that you bring out just for a nice weekend, for the special parade or the car club event. They understand that this vehicle is not used on a daily basis so the cost of coverage is much less than the normal auto policy. Also, you will be able to insure it for the correct value of the vehicle.
All-Terrain Vehicle, dirt bikes, dune buggies and snowmobiles are examples of off road vehicles that need coverage on their own. Although laws vary from state to state as to whether or not ATV coverage is required it is still a good idea to purchase it for your own protection as well as those riding.
Protection for your home away from home. Motorhomes, fifth wheels and campers come in all shapes and sizes. We have the protection you need so your vacation road trip doesn’t take a turn for the worse. Let us review your needs and make sure even your personal contents in the RV are covered.
When the weather gets nice, the motorcycles come out. We have coverage for the motorcycles, the riders and the accessories. If you find yourself doing any upgrades or adding chrome or saddlebags to your bike, we will need to know. With most companies, a motorcycle policy will cover a factory built bike, anything extra added needs to have extra coverage. We will also cover scooters and mopeds.
Boat Insurance protects damage to your boat, boating equipment and your liability. It is important to carry insurance on your boat or personal watercraft all year-round. If the boat is stolen or damaged from a storm, there will be coverage. We can insure all types of boats - Yachts, small boats, sailboats, high performance powerboats, houseboats, catamarans and pontoons. Please always explain all the personal items added to the boat and kept in the boat to make sure they are insured correctly.
Golf carts are becoming more and more used for more than golf. We see them around retirement communities, gated communities and condo complexes. Many people think that it would be covered under their homeowners policy, this is incorrect. They need a policy also to make sure it is covered correctly especially for injuries caused by the golf cart.
Trailers used for personal use may need coverage. The auto policy will extend the liability over to the trailer in case of an accident but the trailer itself would not be covered. So if you are in need to cover the trailer itself, then a policy must be purchased. With a horse trailer, the same goes for it. The auto will extend but if want the trailer covered we must write the policy. If the horse trailer has live in quarters, then it must be written under the RV product.
Why should you purchase life insurance? If someone will suffer financially when you die, you need life insurance. Life insurance can help mitigate the negative financial impact on your loved ones in the event of your death. There are many types of products to choose from: Term Life, Whole Life and Universal Life. We can help you find the best product that fits your needs at a price that you can afford. Four top reasons someone needs life insurance is Mortgage protection, Final expenses, College funds for children and Income replacement. Our comprehensive plans have everything you need for peace of mind, today and tomorrow. Let us find the right plan for you and your family today.
Health Insurance has changed quite a bit in the last couple of years. Because of these changes the way you shop for health insurance has changed. We offer Individual and Group Health Insurance options. No one ever plans to get sick, but sickness is a fact of life. Check with us for coverage options so we can fit a plan into your budget. We also offer disability insurance.
Medicare is a federal health insurance program for those over 65 or for younger individuals with certain disabilities. MEDICARE SUPPLEMENTAL INSURANCE is a standardized private insurance policy available to Medicare beneficiaries that covers the gaps in Original Medicare. It helps pay for Medicare Part A & B deductibles, co-payments, and co-insurance. Some policies also include coverage for certain health services not covered by Medicare. In most states, there are 10 standardized plan options. Plan F is the most popular option and is the only one that includes all 9 medigap benefits.
As a local business owner ourselves, we understand the investment, time, energy and heart you put into your business. So it is very important that you protect it, it’s assets, employees and reputation. Our team will work with you to establish your insurance needs and tailor a package of insurance products.
No matter how big or small we will take care of your business as if it was our own. We are a full service
independent insurance agency, able to offer a wide variety of insurance products.
General Liability protects your business assets when it is sued for either injury or property damage, regardless if your business is responsible or not.
A Commercial Auto policy covers employees operating any covered business vehicles that results in an at-fault collision that injures another person or damages their property. It can also provide coverage for medical and related expenses caused by injuries from a collision.
Also known as Errors and Omissions Insurance, Professional Liability Insurance protects your company from claims or litigation if your client or customer holds you responsible for errors caused by professional negligence or failure to perform your professional duties. Coverage includes legal defense costs.
EPLI protects businesses against claims by employees that their legal rights have been violated. This type of coverage is of growing importance in today's business environment and covers the following areas: Breach of Employment contract, Discrimination, Sexual harassment, Wrongful discipline, wrongful termination to name a few.
Specifically designed to provide medical benefits and in some cases, financial payments to employees who have suffered work related injuries or illness, Workers Compensation is mostly required when a business has one employee or more.
Farming or Ranching is more than what you do, it is who you are! Up early and work until all the chores are done. Do you run a business, or is it for pleasure, do you have farm animals or pleasure animals, raise crops, board horses? We have coverage for any and all, let us customize a package that will fit all your needs.
We have carefully selected the companies we represent for their rates, their portfolio of products, and their responsiveness to claims. It is important to us that our carriers provide not only competitive pricing and a broad range of coverages, but 24 hour customer service. We are always watching for new companies to add to our portfolio, we just insist they meet our criteria and provide the same level of service we would. Listed below are many of our companies and we have access to many more....
McColly Insurance Agency is committed to providing quality products for individuals and business. It is our goal to provide an unparalleled customer experience regardless of what your specific insurance need is. Our trusted insurance professionals are here to help you with every step of the insurance process and can design a personal or commercial insurance policy to fit your needs. With McColly Insurance, our friendly staff will work with you on a one-on- one basis to develop not only the perfect policy, but a lasting relationship.
Personalized customer Service (24/7)
Customized plans to fit your needs
We’ll find and compare the best rates
Insurance quotes done quickly
Mobility, we will come to you at your home or office if needed.
Since 1974, McColly Real Estate has provided superior service by understanding our customer's personal needs whether first time home buyer, resale, commercial, land, new construction or luxury home buyer. From purchase to financing, to title services and relocating, we provide full service throughout our local communities. Because we understand the needs of our local communities, McColly Companies is pleased to expand our business offerings to include McColly Insurance.
Is to provide an exceptional customer experience through honesty, integrity, professionalism and by designing a customized insurance plan to fit your needs and comparing our major insurance carriers to find you the most competitive rate and coverages.
Dominique started her career in the insurance industry after graduating high school in 2006 where she landed a customer service position with a fortune 500 company. Working her way up the ranks Dominique obtained her Life, Property and Casualty licenses in 2008 and became dual licensed in the states of Illinois and Indiana in 2009 making her the youngest female sales agent in her region at the time. In 2010, Dominique was promoted to office manager where she led a team of 5. Dominique and her team always made an asserted effort to give back to the community, they single handedly orchestrated dozens of charitable events geared toward helping the less fortunate, through coat drives, back to school supply drives and reading to the children at the local grammar schools! As if working full time wasn’t enough, Dominique decided to return to school in 2015 where she is majoring in Sociology and minoring in Psychology, her goal after graduation is to enroll in Valparaiso Law School’s JD/CMHC program in the fall of 2018 where she will practice family law. When Dominique is not working or going to school, you will find her snuggled up with her 4-year- old daughter watching Frozen!
Gregg St. Germain
Director of Operations/Licensed Agent
Gregg was born and raised in Merrillville, Indiana. He has been married to his wife Tina for 32 years and has three grown sons. Gregg started his own insurance agency and has developed his reputation in the industry. He has been in the insurance business for 19 years and is the current owner of Lincolnway Insurance Services, Inc. After acquiring Lincolnway Insurance in January 2004, Gregg tripled the size of the agency. He is licensed in Indiana as well as Illinois for auto, home and commercial insurance needs. With years of experience and a relentless passion for the business, Gregg is committed to providing the very best in customer service and satisfaction.
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