Personal/Family
Whether you are buying insurance for your auto, home, boat, or life, nothing is more important than finding the right coverage to fit your individual needs. Our philosophy at Rateau Insurance Agency is to cut cost but not at the cost of coverage. We're always happy to sit down with you to discuss policies that fit your needs and budget.
We offer insurance for:
Homeowners
Our homeowners program includes policies for:
Owner-Occupied single family dwelling
Life Estate
Multi-Family dwelling (up to four families)
Non-Owner occupied (single to four families)
Dwelling Owned by Trust
Townhouse
Condominiums
Cooperatives
Time Shares
Non-Owned Property (rental)
Watercraft
Rateau Insurance Agency offers watercraft exposures including:
Boat and Yacht (typically 26 feet or less in length)
Outboard Motor
Inboard
Inboard/Outdrive
Automobile
Our automobile insurance program offers protection for your:
Private Passenger Autos: Owned or leased for a period of 12 months or more, not used as public or livery conveyance, and not rented to others.
Pickup Trucks and Vans: Owned or leased for a period of 12 months or more, must have a symbol, business use allowed if not for delivery or transportation of goods or materials, only incidental delivery use in insured's business.
Motorcycles
Motor Homes
Vehicle owned by a trust (No corporation or partnership ownership).
Umbrella
An umbrella policy increases liability coverage over and above underlying personal policies. It typically also provides coverage beyond the personal auto and homeowners liability.
Identity Theft