First Insurance Services exclusively offers residential insurance through the Protector, a policy designed to meet our clients’ specific needs.

We have the authority to offer the Protector insurance policy on behalf of our insurance company partners, so that in most cases there is no waiting for your policy to arrive, no wait for an underwriter to decide if you qualify, and no doubt that your insurance policy is one of the best available. Some of the many benefits of the Protector include:
 

• 24 hour claim service
• Superior water damage coverage
• Home Based Business Packages offering Commercial General Liability coverage
• Comprehensive Bed & Breakfast program
• Lower property deductible options
• A variety of discounts, including First Credit Union member discounts
• Reduced glass breakage deductibles available

No matter what your situation, the Protector has you covered. The Protector is a comprehensive and flexible product, designed to offer you personalized coverage for the most unique circumstances. Here are just a few of the many great examples of how the Protector can cover all your individual insurance needs:

• Special coverage for unique family situations such as for the property of students while living away from home, parents living in care facilities or spousal arrangements not covered by marriage.
• Disappearing deductible clause: deductible is waived if claim exceeds $25,000 for insured peril other than earthquake.
• Discounts for central monitored alarms, claims free, mortgage free, new home, and age discounts starting at 45 years of age.
• Special enhanced limits can be purchased.
• Full business liability coverage for home based businesses.