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  • vincejohn197

    Hendren Insurance Agency Group Inc: Life Insurance

    Life insurance should be a part of your overall financial plan, but how much do you need and what policy is right for you? We can help.

    The primary purpose of life insurance is to provide capital to your dependents after you die. The money is an important financial resource. It can help cover funeral costs, pay the mortgage, provide funds to run the household and ensure that your dependents aren’t burdened with debt.

    Erie Family Life’s line of competitive life insurance products* can provide financial security for you and your family. Our agency can help you every step of the way.

    Types of Life Insurance

    There are two basic types of life insurance: temporary and permanent.

    - Temporary needs include home mortgages, short-term debt reduction, family income and educational expenses that can last from as little as one year to 30 years. Term insurance provides affordable coverage for a specified number of years. It is the most cost-effective way to cover costs for loved ones left behind. There are a variety of plans ranging from an annual renewable term (1-year plan) to a level term plan that could last 10, 15, 20 or 30 years.

    - Permanent needs include those that last for your entire life, or potentially for periods of 15 years or more. Unlike term, permanent life insurance builds a cash value that increases the longer the policy is in force. Permanent needs may include final expenses and funds to cover estate taxes and retirement savings protection. Whole life and universal life plans are ideally suited for meeting these goals. With permanent life insurance policy from Erie Family Life, you’ll have guaranteed protection for your entire life.

    The proper coverage can make all the difference when it comes to the loved ones you leave behind. We will help you every step of the way. Contact our agency today to discuss the life insurance program that best fits your needs.
  • vincejohn197

    Hendren Insurance Agency Group Inc Business Insurance


    As a business owner, you work hard to cultivate and maintain your business. You want to keep your business, employees and other investments safe but the risks you face every day threaten what you've built.

    Erie Insurance has put its knowledge of risks to work by offering products and services to help protect you and your business. Read more about the coverage that is available from Erie Insurance and our agency.*

    Retail, Offices, Service, Religious Organizations, Wholesale

    Ultrapack PlusSM

    ERIE's Ultrapack Plus Policy is designed to provide insurance coverage for:

    -Small to medium-sized retail, wholesale, office and service businesses. Examples include gift shops and specialty stores, bakeries, deli and coffee shops, barber shops and beauty salons, accounting and bookkeeping firms, and medical and dental offices.

    -Religious organizations.

    Apartment Buildings, Condo Associations, Building Owners

    As a property owner, you have special insurance coverage needs. ERIE's Ultrapack Plus Policy will help protect property owners, who may need property and liability coverage for their apartment buildings, condominiums, leased offices, shopping centers and other properties.

    Manufacturing, Restaurants, Hotel/Motel

    UltraflexSM
    ERIE's Ultraflex Policy can be specifically tailored to provide insurance coverage for any eligible business or institution such as hospitality, institutional, contracting, manufacturing and processing operations. Examples include restaurants, hotels, golf courses, printers, daycare centers, grocery stores, commercial contractors, machine shops and tool and die shops.

    Contractors

    FivestarSM for Contractors

    ERIE's Fivestar Contractors program is designed for artisan tradespeople and residential construction contractors. Additional coverage can be written to meet your business needs for employee tools, contractors’ equipment, voluntary property damage, and installation and builders’ risk coverages.

    Business Vehicles and Auto Sales, Service and Repairs

    Business Auto and Garage Auto

    ERIE’s Business Auto Policy provides liability, collision and comprehensive coverage to meet your business needs. Whether you own retail, wholesale delivery, contractor or service industry vehicles, ERIE will customize your policy to meet your specific needs.

    ERIE’s Garage Auto Policy provides insurance for all aspects of auto sales and service. This policy provides liability coverage for your work and the physical damage coverage on your and your Customers’ vehicles. Eligible businesses include auto repair garages, service stations, auto detailers, and franchised and non-franchised auto dealerships.

    Our agency is dedicated to helping business owners make decisions about their insurance needs. If you're interested in obtaining more information or a quote, contact us.
  • vincejohn197

    Hendren Insurance Agency Group Inc: North Carolina Homeowners Coverages

    Your home may be the largest investment you ever make. We can help you protect it.

    Homeowners insurance is designed to cover damage to your property (the home itself and the things you keep in it). It also protects you against liability for accidents that injure other people or damage their property.

    Policy Options

    With several homeowner products to choose from, there’s sure to be one that’s just right for you. Click here.

    Understanding the Insurance Lingo

    Here are a few terms to know as you review the coverage options:

    Replacement cost and actual cash value – Replacement cost is the cost to rebuild or replace the house with comparable materials. Actual cash value is an estimate of what the property or goods are worth (depreciation is factored) at the time of the accident or destruction of property. The property must actually be repaired or replaced before replacement cost coverage is paid.

    Perils – That's an event — such as a fire or theft — that causes damage to your property. Either risks will be specifically listed (named perils coverage), or the policy will state that you're covered against risks of direct physical loss, with the exception of those that are specifically excluded (comprehensive coverage). Insurance for flood, earthquake, water and sewer backup damage, for example, must be purchased separately.

    Contact our agency to learn more about ERIE’s homeowner coverage, discounts, claims service and the price of these policies. We can help you decide which amount of protection makes the most sense for you.
  • vincejohn197

    Hendren Insurance Agency Group Inc: Auto Insurance

    Your car is an essential part of your daily routine. Whether you’re running errands, driving to work or planning a road trip with family or friends, you depend on your vehicle to get you where you’re going — safely.

    If you do get into an accident, you can count on our agency and the coverage provided by an Erie Insurance auto insurance policy to get you back on track.

    Get a 12-month auto insurance quote now or contact our agency for more information about ERIE’s auto insurance options.

    Coverage Details

    Auto insurance typically covers your vehicle, its contents and legal obligations or medical expenses that may arise from an accident, as well as providing coverage in case the person at fault for the accident is uninsured or underinsured. ERIE’s auto policy also includes extra features that you won’t usually find in other companies' policies. Here’s a sampling:

    • If your car is disabled because of a covered loss, ERIE will pay up to $75 per person for travel costs, including meals and lodging (Exceptions apply in certain states; see what's available in North Carolina).

    • Immediately after a comprehensive covered loss, ERIE will cover your transportation expenses up to $20 per day/$900 per loss ($15 per day/$450 per loss for stolen vehicle claims only in North Carolina; does not apply to any other comprehensive losses).

    • ERIE will pay up to $2,000 for damage to a non-owned trailer ($1,500 limit in North Carolina).

    • Your comprehensive deductible for windshield repairs will be waived when a damaged windshield is repaired instead of replaced. (Additional payment or premium is required in New York.)

    ERIE offers a number of discounts to help you save money on your auto premiums and optional coverages to broaden your protection even further.

    If you have any questions or you’re an Erie Insurance Customer and need to report an auto insurance claim, contact our agency. On evenings and weekends, call ERIE’s claims hotline at (800) 367-3743.
  • vincejohn197

    Hendren Insurance Agency Inc. Main Page

    Your ERIE Agent, Your Insurance Advisor

    There are lots of ways to buy insurance these days. But the best way to make sure you have the right coverage for your needs is through an independent ERIE Agent. We’ll help you determine the products and coverages to protect what’s yours. And we’re backed by a company known in the industry for its financial strength and superior service.

    The ERIE Is Above All In SERVICE

    Shop Local

    Local food. Local theater. Local products. We’re paying more and more attention to things that come directly from our own communities. Why shouldn’t your insurance agent be local, too?

    Questions about Your Claim? We Can Help

    If severe weather has affected you, we're here to help. If you have questions about your policy or need to report a claim, please contact us.

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