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Catherine Giles, Independent Insurance Agent
Home Insurance

Applicants with Credit or Loss Problems 

     Having a loss on your record doesn’t mean it’s impossible to get insurance.  Catherine can offer coverage options to applicants with credit or loss issues, including applicants who have been declined, cancelled or non-renewed by another insurance company.


     In the event that the unexpected, covered loss occurs, you have homeowners insurance options which can best protect your property and protection needs. 

Specialty Homeowners 

     Maybe the home you’re looking to insure is only seasonal or secondary for you.  Or it might be more difficult to insure because of a variety of reasons, such as cosmetics, age, low value, or issues with applicant background, including credit issues and previous insurance declines.  In all these instances, Catherine can still offer you coverage options that can still protect your home. 

Personal Property Coverage 

     Are your wedding bands or other valuables covered?  What about your home entertainment system?  Personal Property Coverage can make sure that these items and your personal belongings are protected. 

Personal Liability Coverage 

     Are you protected if someone is injured on your property, for example, by a dog bite that could necessitate reconstructive surgery?  Personal Liability provides protection in such an instance. It also extends financial protection to you should you cause an accident to or on someone else's property. 

Flood Insurance 

     Flood insurance is a good buy, even in low or moderate risk areas.

Identity Shield 

     The average victim takes many hours to restore their lives after identity theft.  In addition to insurance coverage, Catherine can offer you options for Identity Shield which offers proactive monitoring tools, identity resolution services, travel assistance and document replacement, as well as preemptive education resources.

Mobile and Manufactured Homes 

     Catherine can help you insure a variety of home types.  From mobile to manufactured, to multi-sectional to modular, and more, we can make sure that your home is protected. 

Motor Homes 

     Shield yourself from a number of troubles, such as being stranded without the shelter of an intact mobile residence.  Save thousands of dollars with our Total Loss Replacement coverage option that lets you claim money for replacement parts at the original worth you paid, not the depreciated value after age and usage. 

Travel Trailers 

     Catherine can offer a number of ways to customize your travel trailer insurance options, including comprehensive coverage, emergency express, stationery travel trailer, towing and roadside, emergency expenses, campsite/vacation liability, total loss replacement, and more. 

Renters Insurance 

     This insurance options combines coverage for your personal property with personal liability insurance, for example, if in the event that someone is injured on your property or you damage your neighbor’s property.  Give yourself the peace of mind of having your personal property and personal liability adequately covered and protected.

Personal Umbrella Liability Coverage 

     A Personal Umbrella Policy serves to shelter you from exceeding the limits in your coverage. 

Life Insurance Coverage

     What kind of Life insurance product fits your needs?

     In a nutshell, Life insurance comes in two forms: Term insurance and Permanent insurance.

Term vs. Permanent Insurance

     Term insurance provides coverage for a set period of time and is usually less expensive.  It provides the greatest amount of coverage for the lowest initial cost.  It's a good choice for your temporary needs or if your funds are limited.

     Permanent insurance, which includes Whole Life and Universal Life, is useful when you want to cover a long-term need such as income for a spouse, “inheritance” for children or end of life expenses.  Permanent insurance initially costs more, but can accumulate cash value.

     It's difficult to say exactly which kind of Life insurance is better, because the type of coverage that's right for you all depends on your individual circumstances and financial goals.  Often, a combination of Term and Permanent insurance is the right solution.

Term Life Insurance 

•Affordable coverage

• Temporary coverage for your personal or business needs 

• Renewable or convertible to permanent coverage

Whole Life Insurance 

•Good for young adults just beginning an insurance program

•For families needing protection while saving for the future

•Cash value of a whole life policy accumulates at a guaranteed interest rate

Universal Life Insurance 

•Flexible coverage

•Options for timing and method of premium payment

•Tailor coverage to your personal needs

Auto Insurance

Auto Rental Service 

     Catherine can offer you a network of pre-screened, nationally-known, rental car companies that will provide free pickup and delivery, direct billing to your insurance company and an automatic deposit waiver (not available in all areas) while your vehicle is being repaired.  Even in an accident at which you are at fault, Auto Rental Service provides service. 

Bodily Injury Coverage 

     This insurance coverage has policy options that cover medical, legal, and property repair expenses for the injured party, whether it be you, your passengers, or the person you’re at fault for injuring. 

Collectible Auto 

     You're on your way to the annual auto show, when someone rear-ends your classic 1957 Chevrolet.  Fortunately, you had Collectible Auto insurance.  The Collectible Auto Program has more features customized specifically for collectible car owners than a standard auto policy. 

Collision Coverage 

     Whether it's icy roadways, a blind spot, or an uncontrolled intersection, Collision Coverage pays any amount more than your deductible to restore the damage done to your vehicle to factory new condition in the event of an accident. 

Fault or No-Fault Coverage 

        Who pays for the damage done to your vehicle? It actually depends.  If you live in a no-fault state, your insurance will cover you.  If you live in a fault state, the accident-causing party's insurance will cover you.  To learn more about your state's requirements and how they affect you, please contact Catherine. 

Comprehensive Coverage 

     While Collision Coverage is for accidents on the road, Comprehensive Auto insurance is for everything else that could damage your vehicle: fire, theft, floods, collision with an animal or bird, storms, riots, and earthquakes. 

Glass Repair and Replacement 

     Enjoy convenient mobile response at your home, school, or wherever you are with 24/7 scheduling and a national lifetime warranty for as long as you own or lease a vehicle. 

Liability Coverage 

     You never know when someone might get hurt in an accident.  You could stand to lose a lot if you are at fault.  Liability Coverage provides protection against financial loss if you are at fault. 

Medical Payments Coverage 

     Under this insurance, medical bills and funeral expenses are covered should you or a passenger be injured or killed in a vehicle accident.  This coverage extends to you or a family member when riding as a passenger in someone else's vehicle, or when struck by a vehicle when on foot. 

Motor Homes 

     It's time to get out on the open road.  Now more than ever, you may be likely to choose a home on four wheels rather than on a permanent foundation.  It's important to make sure that you and your home have the right protection no matter where you are. 

Optional/Add-on Equipment Coverage 

     Insurance for the enhancements you make to your vehicle, such as a TV screen, a DVD player, or a custom sound system. 

Personal Injury Protection (PIP) Coverage 

     PIP covers a broader range of medical costs than standard Medical Payments coverage.  It covers lost wages and the replacement of the services of someone injured in an automobile accident. 

Property Damage Coverage 

     Covers your liability for damaging another person's personal property, such as a fence or home. 

Uninsured/Underinsured Motorist Coverage 

        On average 25% of drivers have no insurance and another 30% do not have enough insurance. Uninsured/Underinsured Motorist coverage provides liability coverage if an uninsured/underinsured motorist is at fault.

Towing Services 

     24/7 tow, lock out, jump start, flat tire changes, fuel delivery, and roadside winching for snow, mud, and ice.  Just sign and drive, with no out-of-pocket payments. 

Life, Home, Renters, Auto, and Umbrella Insurance
     Catherine takes great care with attention to details to provide you with high quality Life, Home, Renters, Auto, and Umbrella insurance product options and services personalized for your unique needs.

  Schedule your free consultation today with Catherine for recommendations and quotes, enrollment and servicing either by personal appointment or by appointment via phone or Skype. You may schedule by submitting your contact information in the "Contact Us" field or by calling Catherine at 940-597-4757 or emailing her at [email protected] 
Utilize a life insurance calculator to input your life planning goals and needs, create a personalized life insurance needs report, and contact me for a free assessment, consultation, or to apply for life insurance.