Announcements

MERRY CHRISTMAS AND HAPPY NEW YEAR TO ALL!! Please do not drink or text and drive!!

Personal Insurance

It pays to get a quote from Franchino,or have us review your existing policy. We don’t just sell you a policy. We help you make an informed decision, because the details are what protect you and the details of these standard coverages can vary considerably.

Automobile Insurance

Sure, you could buy low cost insurance from anyone over the Internet. But should you?

That deal you find will only be a deal if you’re protected in the event of an accident. It pays to get a quote from Franchino, or have us review your existing policy. We don’t just sell you a policy. We help you make an informed decision, because the details are what protect you and the details of these standard coverages can vary considerably:

  • Bodily injury
  • Medical payments
  • Uninsured motorists coverage
  • Comprehensive physical damage coverage
  • Collision coverage
  • Property damage
  • Rental car reimbursement
  • Driver of other car (DOC)
  • Personal injury protection-no fault (PIP)

Homeowners Insurance

It’s more than homeowners insurance, it’s protection for your most valued possession.

A tailored approach to one of the most personalized forms of insurance. No two homes are exactly alike. And the possessions that make it a home are always unique. Making sure you’re adequately protected if your property is damaged or if someone is injured on it requires the thoughtfulness and expertise of a Franchino representative. See what we mean when you request a quote or have us review your current policy.

We get you the most competitive pricing on the block. We have access to the best insurance companies around. We do the shopping for you, and better yet, we’ll help you make an informed decision when comparing quotes.

We’ll help you understand the fine print and complexities of coverage. With your homeowner’s policy, it’s often the questions you don’t know to ask that end up being the most important. This is when the expertise of your Franchino representative comes in most handy. For example, many don’t know that flood insurance is not covered by your homeowner’s policy, but we can get you a policy to do that no matter where you live—and that includes condos, co-ops, town houses, and rental units—you need an insurance policy that protects your most valued assets. Your Franchino representative has the insight to direct you to a policy that provides a value without sacrificing protection.

Condo Insurance

Our Condominium policy can cover:

  • Damage to your furniture, clothing, appliances and other personal items.
  • Your personal belongings, whether they’re in your home 
or elsewhere.
  • Common loss assessments made by the condo association for all unit owners.
  • Your personal liability in the event someone is injured or
their property is damaged.
  • And much more.

Renters Insurance

Our Renters Policy Can…

  • Cover your personal property in your home or elsewhere
  • Cover your personal liability if bodily injury or property damage occurs to others

Personal Umbrella

Picture this:

  • Your neighbor slips in your yard and successfully sues you for $2 million. But your homeowners insurance tops out at $500,000.
  • Your teenager is at fault in a major car accident, harming several people and causing damage well in excess of your $300,000 car insurance coverage limits.
  • Your dog bites and seriously injures a child. You are liable for the extensive medical expenses.

You can be protected from all this. Ask about our personal umbrella coverage today.

Flood Insurance

Your homeowners policy doesn’t cover flood damage, but Franchino Agency can.

Floods and flash floods happen in all 50 states. Even homes in moderate-to-low risk communities get floods. Most homeowners’ policies don’t cover flooding, either. That’s why it is important to protect yourself from flood damage resulting from hurricanes, heavy rains and other conditions.

If you own a property in a flood plain and have a mortgage, it’s required. The good news is that homes and businesses located in communities that participate in the National Flood Insurance Program (NFIP) are eligible for policies with rates set through the federal government. It’s the same price through every carrier, so ask us today.

Boat Insurance

A homeowner’s endorsement won’t cover you like a boat policy.

We provide coverage for your specific needs with policy options like:

  • Total Loss Replacement – replaces insured’s boat with a brand new one of similar make and quality
  • Disappearing Deductibles – reduces the deductible by 25 percent at each claim free renewal
  • Replacement Cost Fishing Equipment – up to $10,000 for tackle, rods, and reels
  • Replacement Cost Personal Effects – protects the insured’s personal items including cameras, clothes, cell phones, etc
  • 24-hour Roadside Assistance – covers trailer and tow vehicle, even if tow vehicle is not insured with Progressive Insurance
  • Emergency Towing and Labor – provides on-water towing service
  • Wreckage Removal Coverage
  • Property Damage Liability – includes coverage for fuel spill cleanup
  • Medical Payments – includes coverage for water-skiers

Recreational Vehicles

We provide coverage for your specific needs with policy options including:

  • Total Loss Replacement – replaces a “totaled” RV with a new model of similar make and quality
  • Emergency Vacation Expense – provides up to $2,000 for lodging and transportation if an RV is damaged during a trip
  • Disappearing Deductibles – reduces the deductible by 25 percent at each claim free renewal
  • Full Timer’s Package – extra coverage for customers who use an RV as their home
  • Replacement Cost Personal Effects – protects the insured’s personal items including cameras, clothes, cell phones, etc.
  • 24-Hour Roadside Assistance – provides assistance for disabled vehicles – and we’ll be sure to to send a tow truck that can handle your customer’s RV
  • Windshield Coverage – new $0 deductible option for replacing a damaged windshield
  • Free Pet Injury Coverage – pays up to $1,000 toward veterinary fees or the pet’s replacement