Personal Insurance

Home and Personal Property


Your home is your castle.Whether you own your home or rent your apartment, you need property coverage! What is the Replacement Cost of your home? How much Personal Property coverage do you need? These are all great questions that so many insurance agents don’t take time to discuss with their clients. We don’t just “match” the coverages that another agent gave to you. We actually take time to discuss your coverages needs with you and we custom tailor coverages to fit your needs. Ryan-St. Marie takes pride in explainingcoverages to you and doing our best to ensure that you understand the coverages we are providing to you.

Automobile Insurance

car in snowBelieve it or not, an individual’s largest risk exposure is their car. The likelihood of having a car accident is much higher than someone getting injured at your house. Additionally, when the auto accident occurs, the injuries and damages will likely be high. For these reasons, having the appropriate amount of automobile insurance is crucial. So how much liability coverage do you need? The answer is not the same for every client. We take time to discuss your driving habits such as how often you drive and how far you drive on a regular basis. When we know your exposures better, we can craft coverages to fit your specific needs.


Personal Liability

man falling in snowWhat if someone gets injured at my house? What do insurance carriers think about trampolines, pools and certain breeds of dogs? These are all questions that revolve around your personal liability exposures. At Ryan-St. Marie we take time to ask you all the questions surrounding your individual risk exposures. We use this information to craft a policy to fit your needs to cover your unique liability exposures. Every person is unique and deserves attention. So how much liability coverage do you need? Let us help you find that answer!



Includes boats, yachts, jet ski’s.boat





Recreational vehicles

motorcycleIncludes motorcycles, motorhomes, travel trailers, utility trailers, 4 wheelers