PROTECTING FINANCIAL STABILITY
Protecting you and your family includes a comprehensive health insurance plan. Without health insurance, you risk depleting your finances should you or a member of your family need medical care, suffer an injury, or need surgery. The costs of healthcare can be astronomical, so take the necessary precautions to protect your financial stability.

LIFE INSURANCE
We offer an affordable way to protect your family’s financial future.

HEALTH INSURANCE
Get a great plan that is affordable from a company you can trust.

PROTECTION THAT KEEPS PACE WITH YOU
From day one, we’ll tailor your insurance policy to help protect your house and the personal items in your home. You’ll need the coverage that prepares you for an unexpected loss or damage, as well as the coverage that give you a valuable safety net for your investment.

HOME OWNERS
Help protect your home and family with the coverage that’s right for you.

CONDOMINIUM
Condo association’s policy does not cover everything. We will help you to understand what coverage you need to protect you and your belongings.

RENTERS
Your home is where you live, and it’s your possessions that make it livable. Renters insurance offers an affordable way to protect your possessions, and you from lawsuits and more.

LANDLORDS
As a landlord, you need special protection for the property, liability, and fair rental income. We offer a Home & Auto discount that really can save you money.

MOBILE HOMES
A Manufactured home policy is similar to a homeowner’s policy, in that it provides coverage for the home, your personal property and family liability.

FLOOD INSURANCE
If you live in a Special Flood Hazard Area (SFHA) or high-risk area and have a Federally backed mortgage, your mortgage lender requires you to have flood insurance. (Note: Most homeowners policies do not cover flood damage).

INSURANCE FOR ALL KINDS OF VEHICLES
For all the cars, boats, trucks, snowmobiles, motorcycles, watercraft, and off-road vehicles you drive, we can help you to insure them. Often we’ll get you more insurance protection for less money. If you have any doubts about the appropriate level of coverage that’s right for you, we will be happy to help you choose the coverage best suited to fit your needs. We offer some unique auto coverage as well, such as accident forgiveness, reduction of deductibles and claim satisfaction guarantee.

PERSONAL AUTO and TRUCKS
Quality auto insurance is a key component of a good financial plan. Accident Forgiveness, Claim Satisfaction Guarantee and New Car Replacement are some valuable features to look for.

COMMERCIAL AUTO and TRUCKS
Your business is one-of-a-kind, so you may need flexible commercial vehicles insurance plans as unique as your company to help protect everything you’ve worked so hard to build.

MOTORCYCLES
On-road motorcycles are about freedom and fun. We’re here to help you find the best quality coverage at the right price.

BOATS and PERSONAL WATERCRAFT
As your insurance agency, we’re here to help you find coverage that protects you, your family and your boat, on and off the water.

OFF-ROAD VEHICLES
All Terrain Vehicles (ATVs), Gators, and Trail Bikes—often need their own insurance coverage. We can help you choose the right policy and coverage for these vehicles at a low annual rate.

SNOWMOBILES
All too often, people rely on their home owner’s policy to protect a snowmobile. Unfortunately, those policies provide little, if any, supplemental coverage.

NON-STANDARD NO-FAULT AUTO INSURANCE
If you’ve had trouble purchasing a policy from other auto insurance providers, give us a try.

CLASSIC CAR INSURANCE
We provide full insurance coverage for antiques, classics, muscle cars and street rods.

• Greater Romeo-Washington Chamber of Commerce
• Ambassador Romeo Lions Club Member
• Village of Romeo Trustee
• Romeo Bulldogs Supporter / Volunteer

The Allstate Foundation has awarded a grant of $1,000 through its “Hands in the Community” program to A Beautiful Me (ABMe), a local non-profit program that provides interactive workshops to foster self-esteem in “all ladies of all ages.” The grant was awarded by Bob Hart Allstate Agency in Washington Twp. The Allstate award program’s objective is to create hometowns as better and safer places to live. ABMe was started in 2009 by Karen Palka, founder and executive director, and since its inception has had more than 900 young ladies participate in a workshop series within Michigan and internationally. The goal of the program is to provide young ladies and women with confidence-building activities through workshops with an outcomes-based evaluation. ABMe’s belief is that positive self-esteem will result in well-adjusted, confident, empowered women who positively impact their schools, community and society. (Pictured are, from left, Janet Golochowicz, ABMe board member, Bob Hart, and Karen Palka). [Photo courtesy of ABMe].

How long has it been since you have reviewed your insurance coverage’s?   We know it’s important that you fully understand your policies and coverage’s, whether it be your home and auto or your current life and health insurance.  At the Bob Hart Agency we take the time to help you fully understand your coverage options, so that you can decide what best fits you and your family’s needs.

The time to realize what coverage’s you have is NOT when the need for your insurance arises.  The time to find out is now, before “life” happens.

We can schedule appointment at your convenience to fully examine your current coverage on any policies. Find out with no obligation, what you may be paying too much for, or where you may need additional coverage.  We would love to have you visit our office, but if email or phone would work best, we can do that too.  We offer annual policy reviews or reviews anytime that your life situation changes to always protect you and your family. Call or e-mail us for a personal review!

Whether it’s helping to secure your future, explaining new protection and rewards or looking for ways to save you money, I can help you get auto insurance coverage with your needs in mind.