"Hess Agency has handled our home & auto policies for 25 years. We started a remodeling business 6 years ago & now they handle our commercial needs. I'm very happy with all they've done for us."

Duane G., customer since 1994

2019-10-21T06:27:26-06:00

Duane G., customer since 1994

"Hess Agency has handled our home & auto policies for 25 years. We started a remodeling business 6 years ago & now they handle our commercial needs. I'm very happy with all they've done for us."
"Used Hess Agency for 20 years. Car, home, atv, cycle, & boat insurance and treated very well, were timely, & always got the insurance I needed!"

Gregory B., customer since 2003

2019-08-30T23:11:48-06:00

Gregory B., customer since 2003

"Used Hess Agency for 20 years. Car, home, atv, cycle, & boat insurance and treated very well, were timely, & always got the insurance I needed!"
"You were prompt...and thorough and took care of a title matter quickly."

Customer since 2015

2019-08-30T23:04:20-06:00

Customer since 2015

"You were prompt...and thorough and took care of a title matter quickly."
"Always handles our questions and claims promptly and thoroughly. Very easy to work with."

Customer since 2000

2019-08-30T23:00:15-06:00

Customer since 2000

"Always handles our questions and claims promptly and thoroughly. Very easy to work with."
"The Hess Agency has been my company since 1983, they're always friendly and courteous when I call, nothing but excellent service from them."

Cheryl K., customer since 1983

2019-08-30T22:58:24-06:00

Cheryl K., customer since 1983

"The Hess Agency has been my company since 1983, they're always friendly and courteous when I call, nothing but excellent service from them."
"We have always had quick responses when filing a claim."

George M., customer since 1995

2019-08-30T23:02:42-06:00

George M., customer since 1995

"We have always had quick responses when filing a claim."
"Trevor did a wonderful job of handling our needs with both Auto and Home. He explained everything very well."

Gerald B., customer since 2019

2019-08-30T23:08:14-06:00

Gerald B., customer since 2019

"Trevor did a wonderful job of handling our needs with both Auto and Home. He explained everything very well."
"Let’s just say I have no reason to change for the last 28 years."

Clair L., customer since 1991

2019-08-30T23:01:08-06:00

Clair L., customer since 1991

"Let’s just say I have no reason to change for the last 28 years."
"Stays on top of things; offering suggestions to improve coverage and protect my assets"

Customer Since 1994

2019-08-30T22:54:34-06:00

Customer Since 1994

"Stays on top of things; offering suggestions to improve coverage and protect my assets"
"As a realtor, I recommend the Hess Agency to my clients as the coverage is great, rates are low & the staff is very friendly and knowledgeable!"

Nathan S., customer since 2011

2019-09-13T07:11:23-06:00

Nathan S., customer since 2011

"As a realtor, I recommend the Hess Agency to my clients as the coverage is great, rates are low & the staff is very friendly and knowledgeable!"
"Professional, knowledgeable, accomodating & friendly staff. Offers different insurance options to choose the best provider, coverage & price."

Patricia T., customer since 2016

2019-08-30T23:01:51-06:00

Patricia T., customer since 2016

"Professional, knowledgeable, accomodating & friendly staff. Offers different insurance options to choose the best provider, coverage & price."
"Prompt service when I am doing a building permit app & need a certificate of insurance I usually have it in minutes of the request. Keep it up"

Elmer Z., customer since 2002

2019-09-13T07:16:16-06:00

Elmer Z., customer since 2002

"Prompt service when I am doing a building permit app & need a certificate of insurance I usually have it in minutes of the request. Keep it up"
"Hess provides excellent customer service."

Barry F., customer since 2004

2019-08-30T22:55:24-06:00

Barry F., customer since 2004

"Hess provides excellent customer service."
"The agents were helpful and pleasant when I called asking for help/info."

Customer since 2002

2019-08-30T22:55:01-06:00

Customer since 2002

"The agents were helpful and pleasant when I called asking for help/info."
"Steve Faus is very knowledgeable in the Insurance Business, like seeing an old friend, who I totally trust in his advice"

Richard A., customer since 2014

2019-08-30T22:56:51-06:00

Richard A., customer since 2014

"Steve Faus is very knowledgeable in the Insurance Business, like seeing an old friend, who I totally trust in his advice"
"Super welcoming and friendly!"

Customer since 2018

2019-08-30T22:56:28-06:00

Customer since 2018

"Super welcoming and friendly!"
"Honestly you gave me options for my custom situation that I had trouble finding other places. That was very helpful!"

Luke W., customer since 2018

2019-08-30T23:08:40-06:00

Luke W., customer since 2018

"Honestly you gave me options for my custom situation that I had trouble finding other places. That was very helpful!"
"Great service, great insurance for all ages from 20 yrs to 60 yrs still great."

Curvin R., customer since 1995

2019-08-30T22:58:46-06:00

Curvin R., customer since 1995

"Great service, great insurance for all ages from 20 yrs to 60 yrs still great."
"I'm happy with the professionalism of your staff and appreciate working with Lisa. Thanks for the caring interest in my insurance needs."

Customer since 2006

2019-08-30T22:57:19-06:00

Customer since 2006

"I'm happy with the professionalism of your staff and appreciate working with Lisa. Thanks for the caring interest in my insurance needs."

Auto Insurance Terms

These definitions are offered as aids to understanding. They do not change the formal definitions found within any insurance policies.

Adjuster The insurance company representative who helps you with your claim.

Appraiser A specialist used by an insurance company to determine the current value of your car and the amount needed to repair it after an accident.

Comprehensive This refers to a very broad range of things that can happen to your car that are not collision. It includes loss by fire, theft and colliding with an animal.

First Party Benefits This coverage is the first insurance available to pay your medical bills if you are injured in a car accident, no matter who is at fault. The law requires a $5,000 minimum benefit, but you can increase that up to $1,000,000. Loss of wages, death benefits and funeral expense options are available.

Lease Gap/Replacement Cost Comprehensive and collision coverages may not be enough to pay off a loan or buy out a lease. These specialty endorsements are available on a limited basis for new cars and could save thousands of dollars. Ask us for details..

Stacking Uninsured & Underinsured Motorists  This is an optional approach to Uninsured and Underinsured Motorists Protection. The limit chosen is multiplied by the number of vehicles on the policy to increase the coverage available to you. Yes, this option costs more, but the limits are higher.

Tort Options  The Full Tort coverage option allows you to sue an at-fault driver for all your damages, including pain and suffering. Under a Limited Tort Option, you give up the right to sue for pain and suffering, unless your injuries are “serious”. Your choice of tort options affects your premium and your UM and UIM benefits.

Underinsured Motorists Protection (UIM)  Similar to Uninsured Motorists, this coverage, also called UIM, can pay you for bodily injury caused by a driver who has insurance, but whose limits are not sufficent to cover all your expenses.

Uninsured Motorists Protection (UM)  Often referred to as “UM coverage” this optional coverage allows you to collect damages for bodily injury from your own insurance policy if you are injured by a driver who has no insurance.

We give our best at all times. We treat our clients, employees, and suppliers with respect.
We guard and conserve our clients' resources as we guard our own. We live up to our commitments.