"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."
"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!"
"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"
"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!"
"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."
"Super welcoming and friendly!"

Customer since 2018

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

Customer since 2018

"Super welcoming and friendly!"
"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."
"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."
"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."
"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."
"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."
"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"
"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"
"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."
"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."
"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!"
"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."
"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."
"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."

Homeowner’s Terms

These definitions are offered only as aids to understanding. Your policy terms and conditions will determine how your policy responds to a loss.

 Actual Cash Value  This is a method of property valuation that considers a loss in value caused by age, wear and tear, and maintenance. It assumes that some financial benefit has been derived from the use of the property before a loss occurred.

Flood  Excluded under homeowners insurance policies, flood is defined as a general rising of surface waters over normally dry land. This does not include sewer and drain backup.

Loss of Use  A homeowner’s policy feature that pays the reasonable costs to house you and your family at another location after your home has become uninhabitable due to a covered loss.

Negligence  This is the failure to live up to a reasonable standard of action. If a neighbor trips over your dog or you splash paint on his new car, you’ll probably be responsible for the medical expenses and body repair. The liability coverage of a homeowners policy responds to negligence.

 

Other structures  This term means structures on your lot that are attached to the premises, but not to the home itself. Things like fences, sheds, detached garages, brick barbecues and even swimming pools are included in this term. If the item is more portable, it’s probably Personal Property.

Personal Liability  This refers to your legal obligation to pay damages to someone else because your negligence has caused injury to a person or damage to their property. A homeowner’s policy does not respond to business activities.

Personal Property  Your stuff. Clothing, furniture, books, appliances, things that can be removed from the premises without causing damage. Personal property that you use in a business may not be covered.

Replacement Cost  This is the amount needed to repair or replace damaged property with materials of similar kind and quality. Insuring to this amount promotes a more complete recovery. The cost to repair can be much higher than the original cost to build.

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.