"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

The Hess Agency
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."
"You were prompt...and thorough and took care of a title matter quickly."

Customer since 2015

The Hess Agency
2019-08-30T23:04:20-06:00

Customer since 2015

"You were prompt...and thorough and took care of a title matter quickly."
Working with Sherri Seiders is always a pleasure and she takes care of what I need right away.

Customer since 2004

The Hess Agency
2019-12-18T14:46:11-06:00

Customer since 2004

Working with Sherri Seiders is always a pleasure and she takes care of what I need right away.
"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

The Hess Agency
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"
"Let’s just say I have no reason to change for the last 28 years."

Clair L., customer since 1991

The Hess Agency
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."
"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

The Hess Agency
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!"
"Trevor did a wonderful job of handling our needs with both Auto and Home. He explained everything very well."

Gerald B., customer since 2019

The Hess Agency
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."
"Great service, great insurance for all ages from 20 yrs to 60 yrs still great."

Curvin R., customer since 1995

The Hess Agency
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."
Zach Caruso is always helpful and efficient in answering my many questions and tailoring the solutions to my needs.

Hazel G., customer since 2016

The Hess Agency
2019-12-18T14:49:04-06:00

Hazel G., customer since 2016

Zach Caruso is always helpful and efficient in answering my many questions and tailoring the solutions to my needs.
"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

The Hess Agency
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"
I appreciate the prompt service I get whenever I call the office. An agent always seemed to be available to answer my questions.

Crystal H., customer since 2013

The Hess Agency
2019-12-18T14:44:51-06:00

Crystal H., customer since 2013

I appreciate the prompt service I get whenever I call the office. An agent always seemed to be available to answer my questions.
"Professional, knowledgeable, accomodating & friendly staff. Offers different insurance options to choose the best provider, coverage & price."

Patricia T., customer since 2016

The Hess Agency
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."
"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

The Hess Agency
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!"
"We have always had quick responses when filing a claim."

George M., customer since 1995

The Hess Agency
2019-08-30T23:02:42-06:00

George M., customer since 1995

"We have always had quick responses when filing a claim."
"Stays on top of things; offering suggestions to improve coverage and protect my assets"

Customer Since 1994

The Hess Agency
2019-08-30T22:54:34-06:00

Customer Since 1994

"Stays on top of things; offering suggestions to improve coverage and protect my assets"
"Always handles our questions and claims promptly and thoroughly. Very easy to work with."

Customer since 2000

The Hess Agency
2019-08-30T23:00:15-06:00

Customer since 2000

"Always handles our questions and claims promptly and thoroughly. Very easy to work with."
"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

The Hess Agency
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!"
Jenna Strayer has always been responsive to my questions and needs.

Kenneth H., customer since 2016

The Hess Agency
2019-12-18T14:47:40-06:00

Kenneth H., customer since 2016

Jenna Strayer has always been responsive to my questions and needs.
"Super welcoming and friendly!"

Customer since 2018

The Hess Agency
2019-08-30T22:56:28-06:00

Customer since 2018

"Super welcoming and friendly!"
"The agents were helpful and pleasant when I called asking for help/info."

Customer since 2002

The Hess Agency
2019-08-30T22:55:01-06:00

Customer since 2002

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

Barry F., customer since 2004

The Hess Agency
2019-08-30T22:55:24-06:00

Barry F., customer since 2004

"Hess provides excellent customer service."
"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

The Hess Agency
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."
"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

The Hess Agency
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."
Enjoy working with Lisa True. She is very prompt in answering our questions or concerns via phone or e-mail.

John D., customer since 2014

The Hess Agency
2019-12-18T14:48:27-06:00

John D., customer since 2014

Enjoy working with Lisa True. She is very prompt in answering our questions or concerns via phone or e-mail.
I have been doing business with the Hess Agency for over 30 years and have received exceptional service and quality insurance at the best prices. Business, Home & Auto.

Kenneth S., customer since 2004

The Hess Agency
2019-12-18T14:45:37-06:00

Kenneth S., customer since 2004

I have been doing business with the Hess Agency for over 30 years and have received exceptional service and quality insurance at the best prices. Business, Home & Auto.
You were so helpful when I had my accident. You covered all my expenses concerning the accident. I was so thankful that I had good coverage and such thoughtful agents to work with. Mentally it was a relief.

Customer since 2008

The Hess Agency
2019-12-18T14:46:53-06:00

Customer since 2008

You were so helpful when I had my accident. You covered all my expenses concerning the accident. I was so thankful that I had good coverage and such thoughtful agents to work with. Mentally it was a relief.
0
0
The Hess Agency

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.