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Personal Insurance

Protecting your personal assets is a top priority at Watkins. Therefore, we make recommendations for appropriate coverage only after performing a thorough analysis of your needs.  We will also make sure you get the recommended protection at the best possible price by helping you choose the right deductibles and showing you how to qualify for discounts such as paid in full discount, multi-policy discounts, new home credits, alarm credits and many more.


Need a quote on your personal property?  Email us at


Homeowners Insurance

We carry homeowners insurance plans for dwellings of every size, age and value.


Options Include:

  • Primary Dwellings

  • Secondary Dwellings

  • Farmowners

  • Mobile Homes

  • Replacement Cost Coverage

Auto Insurance

We can provide insurance coverage for any type of automobiles from compact cars to sports cars.


Options Include:

  • Liability Coverage

  • Physical Damage Coverage

  • Towing

  • Rental Reimbursement

  • Gap Coverage


Umbrella Insurance

Umbrella insurance is extra liability insurance. This type of insurance policy is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. This coverage provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies.


Motorcycle Insurance

We can provide coverage for your specialty needs like motorcycles, ATVs, etc…


Options Include:

  • Liability, Collision, Comprehensive

  • Custom Parts & Equipment

  • Coverage for Safety Riding Apparel

  • Uninsured / Underinsured Motorists

  • Medical Payments

  • 24 Hour Road Service


RV Insurance

We carry coverage for almost any kind of RV, from pop-ups to pushers.


Options Include:

  • Total Replacement

  • Replacement Cost for Personal Property

  • Emergency Vacation Expense

  • Disappearing Deductibles

  • Full Timers Coverage

  • 24 Hour Roadside Assistance


Boat Insurance

We can provide coverage for almost any kind of boat. Such as fishing, run abouts and many more.


Options Include:

  • Total Loss Replacement

  • Disappearing Deductibles

  • Fishing Equipment Replacement

  • Personal Effects Replacement

  • On Water Towing

  • coverage for Fuel Spills


Miscellaneous Insurance

We also provide coverage for a variety of miscellaneous needs.


Options Include:

  • Rental Dwellings

  • Vacant Homes

  • Antique Autos

  • Young Drivers

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