Expertise and counsel for all of your personal insurance needs
Specialized and comprehensive coverage
I love working with Yates because I know I’ll always get an answer within 24 hours, and the details contained therein will not only provide that answer but an education. Their knowledge and expertise (and a willingness to share that knowledge and information) help our company mitigate risk and comply with the law.
Yates is extremely professional and are always looking out for our company’s best interests. They listen to us and bring back ideas and solutions to any problems we are facing.
Yates has personable agents who truly want to build relationships with their clients.
It’s a true partnership, in every sense of the word. If a Yates representative calls me to tell me something, I trust them the same as if I heard it from one of our own employees.
We have worked with Yates for all 19 years of our business. We receive calls from agents seeking our business weekly and would never think of leaving Yates. The service, support and advice we get from Bob, Jeff and Adrienne is invaluable! Yates is in a class by themselves.
The words I would use to describe Yates are, intelligent, dynamic, and experts on multiple levels.
Yates takes excellent care of us, that’s why we’ve used them for 20 years. The culture is very one-on-one and personable. You just don’t get that with a lot of other companies.
They treat us fairly, responsibly and with the utmost personal attention to detail that we are so grateful for. They are always willing to go above and beyond for our needs and requests.
The service provided by Yates has been exemplary. It is innovative, customer-oriented and seamless.
As a Yates client of 20 years, we have stayed with Yates because of their commitment to serving their clients. There is this unspoken yet ever-present knowledge that the success and preparedness of our business is their business.
Your insurance policy should reflect your uniqueness, your lifestyle and your financial assets.
Work with someone who builds a relationship with you and understands you and your needs.
Protection for your home, cars, & much more.
Protecting you with:
- All-risk or Open Peril policies
- Agreed value
- Actual cash value (ACV)
- Umbrella Coverage
- Named perils policies
- Replacement cost
- Uninsured Motorist Coverage
- Excess Liability Coverage
- And more!
Let’s talk about your needs.
Protection starts with knowledge.
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Frequently Asked Questions
If you’re using it for personal purposes, your auto policy likely covers it. Check with your agent to see if you have comprehensive and collision insurance to ensure your rental car will be covered if it’s damaged, stolen or totaled. Your deductible will still apply if you file a claim. Your liability insurance will pay for injuries or property damage you cause to others in a crash, up to your policy limits. This does not include your own injuries and any damage to your rental car. You always have the option to purchase a loss-damage waiver (LDW), or collision damage waiver (CDW) from the rental company. Talk to the rental car company and read over your rental agreement carefully.
No. Insurance companies don’t lend you money. The contractual obligations to pay insurance premiums aren’t considered debts, so insurance companies don’t report payments (or any other information about your coverage or claims) to the credit bureaus.
However, some insurers use credit checks to help set your premiums, and failure to pay insurance bills could lead to negative entries on your credit report.This is a growing threat and something to take seriously. High-net-worth individuals are at a greater risk of being targeted. Personal cyber insurance can be added to most policies and covers a range of cyber crimes such as extortion, cyberbullying, online fraud and data breach. It helps cover direct financial losses and expenses as a result of cyberattacks.
This provides protection beyond existing limits and coverages of your other policies. If your net worth exceeds the maximum liability coverage, you’ll need an umbrella policy to help protect your assets in case you’re found liable for an incident.
Yes! This can offer additional benefits and broader protection of your valuables. While your primary homeowner’s policy may offer coverage for fine art and jewelry under the contents coverage, they often have very low sub-limits that apply.
Yes. Any legal entity should be listed with the corresponding location(s) to extend coverage. Please contact your Yates account manager to review your options.
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