Home and Auto Insurance

Smart consumers like you demand competitive rates and products.   We believe savings should include more than just discounted prices, we offer programs and options that combine the best of competitive rates, expanded coverages and most importantly peace of mind in the event you suffer a loss.


We will guide you through coverage selections, limits, and deductibles tailored to your specific needs and circumstances.
We offer substantial discounts for anti-theft devices, multiple vehicle  policies, paid in full auto policies and additional savings for insuring both your auto and home insurance.


Getting the right home and auto insurance can seem pretty complicated, our flexible coverage puts the right package together for your needs.



Business Insurance

Today's businesses face more and larger exposures than every before.  Yet many businesses are inadequately insured, with large and small gaps in coverage, any one of which could lead to serious problems.


We can help.   We provide expert advice and the full service and products you need to be fully protected.  Whether you require additional property, liability or auto coverage, umbrella protection or workers' compensation, we have it all, at affordable rates.

Get the exceptional coverage and attentive personalized service you need to fully protect yourself and your business.



Personal Lines

At Howes & Associates, we have the expertise and resources to provide you with coverage to meet your specified personal insurance requirements    We can provide protection for the things you value:

  • Homeowners Insurance
  • Personal Automobile Insurance
  • Condo/Renters
  • Personal Umbrella Coverage
  • Boats and Personal Watercraft
  • RV's, Cycles and Motor homes
  • Antique/Classic Cars

Remember that we can offer multi-policy discounts when we quote your home and auto policies together.  Safety features that qualify your home for additional discounts include nonsmoker, central alarm, smoke detectors and fire extinguishers.



Commercial Lines

At Howes & Associates, we provide analysis and assessment of the insurable risks to your business.  Insurance for your business exposures are managed and placed with the most stable and competitive insurance carriers available in the marketplace.  Our commitment to you includes understanding your business, helping you identify and manage insurable risk and provide great service in the customer relationship.

We provide coverage to every segment of commercial business:

  • Construction
  • Service and Professional Organizations
  • Manufacturing
  • Restaurants/Bars/Taverns
  • Retail or Wholesale Stores
  • Financial Institutions

Howes & Associates offers a broad range of commercial insurance products including:

  • Commercial Property
  • Commercial General Liability
  • Workers Compensation
  • Business Auto
  • Umbrella - Excess Coverage
  • Contractors Tools/Installation Floaters
  • Builders Risk
  • Liquor Liability
  • Professional Liability
  • Pollution Coverage and More!



Surety Bonds

Howes & Associates offers the following to meet your surety bond needs:

  • Surety bond specialist with the knowledge to help you establish a long-term bond company relationship.

Bond types provided include:

  • Bid Bonds
  • Performance & Payment Bonds
  • License and Permit Bonds
  • Court Bonds