
Take the Advantage and call today for personalized insurance services. One of our qualified insurance agents will assist you with your needs. Whether youre reporting a claim, have a question about your policy, or want to obtain an insurance quote, were here to help.
Insurance Services: Home | Auto | Life | Commercial | Discounts

Homeowners Insurance
Youve worked hard to make your house a home. In fact, your home probably represents a large share of your financial wealth. To protect your investment, you want dependable insurance protection at the best value.
Advantage Insurance is your answer.
Advantage Insurance Services Inc. offers flexible, affordable options that allow you to design the coverage that best meets your unique needs. For example, you may select individualized protection for your home and property against many common causes of loss such as:
- Fire or lighting
- Windstorm or hail
- Smoke damage
- Vandalism and malicious mischief
- Glass breakage
- Theft
- Water damage
- Freezing
- Damage from electrical currents
- Damage caused by vehicle or aircraft
- Contact an insurance agent for details. Click Here »
Liability Protection
An important part of your homeowners policy is liability protection. If someone makes a claim of injury or property damage against you or your family, everything you own could be in jeopardy. Your Advantage Insurance Services Inc. policy protects you in situations such as:
- Claims for injury to others on or off premises
- Claims for property damage to others
- Liability defense costs
- Medical expenses for injuries to others
Other Advantages at no extra cost
- Additional living expense when an insured loss makes your home uninhabitable
- Debris removal after a covered insured loss
- Reasonable repair costs for necessary repairs to protect your property from further damage after a covered loss
- Coverage for trees, shrubs, plans or lawn destroyed from a covered loss
- Fire department service charge to save or protect your property after a covered loss
Additional Savings and Discounts
- Protective device credit: for burglar, smoke and fire alarms
- Multiple policy discounts: combine auto and homeowner policies for discount
- Deductible options: offering you a premium savings when a higher deductible is selected
- New home credit: contact your local agent for details
EXTRAS: Survive Identity Theft
Advantage Insurance Services Inc. has partnered with ID Theft Assist which offers new identity theft coverage that not only provides financial compensation, but also the expert assistance you need to get your identity back.
Ask one of our professional agents to evaluate your home insurance needs and recommend a plan tailored for you!

Auto Insurance
With the protection of Advantage Auto Insurance, you can sit back and enjoy the ride. Thats because we offer you insurance plans that meet your needs for reliable coverage at an affordable price. Plus, our coverage is always backed by our commitment to customer service.
Give us a call, were here for you, Call Toll-Free: (800) 873-0337.
- Liability coverage: Pays others for damages which you become legally liable for due to an auto accident.
- Uninsured motorist coverage: Provides bodily injury coverage for auto accidents caused by a hit-and-run driver or uninsured driver.
- Underinsured motorist coverage: Pays for damages you are legally entitled to recover from another party when that persons liability insurance is not adequate to cover your loss.
- Medical expenses coverage: Pays reasonable medical expenses for you or members of your family if you are injured in an auto accident or as a pedestrian struck by an auto. This protection extends to others who are injured while occupying your auto.
- Contact an insurance agent for details. Click Here »
- Collision coverage: Protects you from losses to your auto due to collision with another object.
- Comprehensive coverage: Pays for other losses to your auto, including losses caused by fire, theft, glass breakage, falling objects, natural disasters, vandalism and other causes of loss.
- Additional protection: You can round out your protection with these optional coverages:
- Towing and labor costs: Pays for emergency repairs and/or towing when your car breaks down.
- Rental reimbursement: Pays the expense of renting a substitute vehicle when there is a loss to you auto.
- Contact an insurance agent for details. Click Here »
- Premium discounts: You deserve the best coverage for your dollar. To help you save, we offer a wide range of discounts on our already reasonable rates, including:
- A multiple vehicle discount for insuring more than one auto.
- A multi-policy discount for insuring both your home and auto.
- A long-term customer discount.
- The Good Student discount for qualifying young drivers.
- Safety discounts for features such as airbags and anti-theft devices.
- Convenient billing options: Pay by check, credit card, or through the mail, over the phone or online. You can even have your premiums deducted automatically from your designated financial institution with our Flex Chek program.
- Whatever your driving record: Even if you dont have a spotless driving record, you can still take advantage of the same top-quality coverage as other drivers.
From the highway to your driveway, youre prepared for a roadside emergency anytime with our Roadside Assistance. Its like having your own pit crew 24/7 and with one call youve got access to both claims and roadside service.
- Mobile access in any car, from the drivers seat to the passengers seat, for you and everyone covered on your auto policy.
- Towing services to any location up to 15 miles when the problem cant be fixed on the spot.
- Ditch extraction pulls you out and gets you rolling again when youre stuck on or immediately next to a public road.
- Emergency fuel delivered to your tank.
- Battery service jump starts your battery back to life.
- Lockout service of up to $100 to get you into your car and on your way.
- Flat tire assistance will pump up a flat tire or replace it with your spare tire.
- Custom wheels.
- Stereos, CD players, amps and speakers, scanners, DVD players or other media equipment.
- Floor mats and custom carpeting or insulation.
- Body or mechanical components to enhance performance and appearance.
- Custom paint, decals or graphics.
- Chrome parts.
- T-bars, roll bars, light bars and grill guards.
- Contact an insurance agent for details. Click Here »
At Advantage Insurance Services Inc., we understand the need for quality auto insurance at a competitive price – and we have a plan thats right for every driver. Contact us today to find the one thats right for you!

Life, Term Insurance
Life insurance comes in two main forms—term and permanent. Term offers a death benefit for a specific period of time and little else. Permanent insurance accumulates a cash value in addition to a death benefit. With either type you can find a wide variety of options and can also choose from extra benefits, called "riders," to customize your plan.
Selecting the right type of life insurance depends on what you want it to do for you. To get the maximum protection for a limited period of time at the lowest initial outlay, the best choice usually is term insurance. On the other hand, permanent insurance makes sense if you want long-term coverage at a predictable premium and a way to accumulate funds for emergencies and future needs or opportunities.
- Disability Waiver of Premium: Chances are greater that you will be disabled rather than die during your working years. With this benefit, the insurance company waives your premiums if you suffer a long-term disability (usually defined as more than six months), so that your policy stays in force while your income is reduced. The waiver of premium is inexpensive and, without question, a good value.
- Accidental Death Benefit: allows you to double or triple the basic face amount of your policy if you die in an accident. Most deaths at any age are from natural rather than accidental causes. Most companies place some restrictions on what qualifies as an accidental death. Typical exceptions are self-inflicted wounds, private aviation accidents, injury while committing a crime, etc.
- Guaranteed Insurability Option (GIO): permits future purchases without evidence of insurability. You have this option at certain ages for a specified amount. A typical GIO would offer a 30-year-old four more chances to buy up to $35,000 of coverage. That would guarantee another $140,000 of life insurance. GIOs usually run up to age 40.
- Additional Term Rider: (other insured rider) covers another person on your policy, usually a family member or sometimes a business associate. The rider is normally term insurance, but can be attached to either a term or permanent (cash value) policy.
- Childrens Benefit: covers minor dependent children living in the insureds household. The face amount is minimal ($5,000 is typical) and can usually be converted at an older age to a personal policy for a multiple of the childrens benefit (often five times).
- Survivor Income: We offer several plans that can be tailored to your individual needs, including replacing your lost income to survivors. Discounts for non-smokers and preferred risk classification for qualified individuals.
- Mortgage/Debt Protection: If a breadwinner dies, who makes the house payment? We have plans designed to pay off any type of home mortgage or debt situation in the event of premature death.
- Short-Term Debt Protection: Auto loans, credit card balances, short-term loans... these types of debts dont just go away if the breadwinner dies prematurely. We have short-term coverage at competitive rates.
- Estate Tax Planning: We offer products that can provide needed funds to cover taxes and administrative expenses associated with your estate.
- Retirement Planning/Tax-Deferred Savings: Prepare for the future using our tax-deferred annuity series. We offer competitive interest rates and flexible premium plans—plus higher interest crediting rates for customers. Also suitable for IRAs.
- Juvenile Insurance Protect: future insurability with our special juvenile plan for children ages 0-17. This plan provides automatic options to purchase additional insurance regardless of future changes to their health or occupation.
- Education Funding: Its never too early to begin planning for future education expenses! The cash value of a universal life policy may be accumulated tax-deferred and accessed tax-free at a later date to help with education expenses.
- Income Protection: If you become disabled, who pays the bills? Our disability income coverage allows you to receive a portion of your income should you become totally disabled. Varied benefit periods are ideal for auto and home loans.
- Last Expenses: Regardless of circumstances, we have products suited to provide a sound life insurance foundation for the most basic necessity.
- Business Interests: We have plans available to help you start a business, or help you protect a business. This includes any businesss most valuable asset—its people. Whether youre looking for a simplified pension, a 401(k), or a business continuation plan, we have a plan for you.
- Contact an insurance agent for details. Click Here »
Note: Our products are not available in all states; they are available only in states where the policy forms are approved.

Commercial Insurance Services
Modern workers compensation laws have moved away from the concept that liability is based on negligence. Under current law, liability for occupational injuries and many diseases is charged directly to the employer, regardless of fault or negligence. Ultimately, every business must pass the cost of workers compensation on to its customers in the form of higher prices for goods and services. That makes your choice of an insurance partner for your workers compensation plan especially important.
Advantage Insurance Services Inc.s Protection Plan Workers Compensation policy provides all of the protection needed by todays businesses, including medical expenses, income and rehabilitation benefits. This coverage is available in most states where we do business.
Workers Compensation Benefits include:
- Knowledgeable and professional insurance agents
- 24-hour claims service
- Easy payment options
- Personalized customer service
- Negotiate with insurers to achieve effective solutions for you
- Contact an insurance agent for details. Click Here »

Discounts and Savings
To help you save money we offer a wide range of discounts on our already reasonable rates. One of our qualified insurance agents will assist you with your needs.
- Premium discounts: You deserve the best coverage for your dollar.
- A multiple vehicle discount for insuring more than one auto.
- A multi-policy discount for insuring both your home and auto.
- A long-term customer discount.
- The Good Student discount for qualifying young drivers.
- Safety discounts for features such as airbags and anti-theft devices.
- Convenient billing options: Pay by check, credit card, or through the mail, over the phone, online, or have your premiums deducted automatically from your designated financial institution with our Flex Chek program.
- Contact an insurance agent for details. Click Here »