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Personal Insurance
Personal InsuranceGarrett-Stotz offers a comprehensive list of personal insurance products. But what we are really offering is customized personal service. On first glance the list below may appear overwhelming. But once you speak to one of our advisors you’ll soon be matched with the right product and price point to meet your personal needs.

We offer the following personal insurance coverage:

  • Home/Condo
  • Auto
  • Umbrella
  • Boats/Jet Skis
  • Motorcycles
  • 4-Wheelers/Dune Buggies
  • Classic Cars
  • Dwelling Fire
  • Renters
  • Annuities (Financial Services)
  • Farm
  • Medicare Supplements
  • Life & Disability
  • Long-term Care
  • …and more (if you don’t see it…please ask)


As independent Agents we offer a wide range of insurance companies who have a wide range of different types on homeowner’s policies. Whether you want a cash settlement to rebuild or not, a guaranteed replacement cost, or a functional replacement cost, we have an option that is right for you. Some insurance companies want you to believe insurance is a price-driven commodity but that is simply not the case.


At Garrett-Stotz we are typically trying to find the right insurance company that is best suited for you. In most cases that means combining your home and auto insurance plan with the same company. Insurers typically present unique terms on how they offer benefit coverage such as new car replacement, vanishing deductibles, only charging one deductible for a home and auto claim when combined, and accident forgiveness. As your Garrett-Stotz Agent, we will help explain and advise which insurance provider is the best solution for your specific situation.


Umbrella coverage is one of the most under purchased policies in the marketplace. Since most liability claims are adequately covered by your auto or homeowner policy, the cost to purchase additional liability insurance can be an inexpensive option. Garret-Stotz offers limits from $1 million to $50 million.

Individual Health & Life

Protect your family or business from untimely death or disability. Garrett-Stotz represents many life insurance and disability insurance companies which allows us to craft a plan that fits your individual needs and budget. The value of an Agent has never been greater since laws affecting your medical insurance have changed so rapidly and drastically. Not only do we have Agents who are licensed and certified to sell on and off the Exchange, but we also played a role in helping build and refine the Exchange.