Welcome

 Vehicle insurance covers automobiles and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle.  Liability limits and physical damage define automobile insurance if you have it. Liability covers Bodily injuries and  Property damage. It also covers uninsured motorists and underinsured motorists. 

 Homeowners insurance covers damage to your home, property, personal belongings, and other assets in your home. Your homeowner's insurance policy may also cover living expenses above your normal cost of living if a covered loss forces you to stay elsewhere while your home is being repaired or rebuilt. It may also provide coverage for accidents or injuries that occur in your home or on your property. A homeowners policy covers injuries you may unintentionally cause to others away from your home.

 Farm insurance protects more than just your home—it helps protect your entire operation. Unlike a standard homeowners policy, it combines personal and farm coverage into one solution for your home, buildings, equipment, and liability. Whether you run a full-scale or hobby farm, the right policy helps protect your property, assets, and livelihood. 

 Umbrella insurance is a kind of liability insurance. It typically applies when liability exceeds the limits of other policies, although it may also serve as primary insurance for losses not covered by other policies. 

What Is Toy Insurance?

Toy insurance protects recreational vehicles and “fun” assets that typically aren’t fully covered under a standard auto or homeowners policy.

These items often represent high value and higher risk, which is why they need their own specialized coverage.

What Types of “Toys” Are Covered?

Toy insurance can cover:

ATVs & UTVs

Motorcycles

Boats & personal watercraft (Jet Skis)

Travel trailers & campers

Motorhomes

Golf carts

Snowmobiles

Life insurance is a contract that provides a tax-free payout (death benefit) to your chosen beneficiaries when you pass away. Its primary purpose is to replace income, cover debts, and protect your family’s financial future. 

 Group health insurance is coverage provided through an employer that allows employees and their families to access healthcare at a lower cost, with the employer sharing in the premium. It typically includes coverage for doctor visits, hospital care, prescriptions, and preventive services. Plans are designed to meet the needs of a group, which helps provide broader access to care and more stable pricing.

 Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs.

Whether you are a small hometown business or a large business, we have a package specifically for you.

Insurance coverage that you need to consider for your business may be:

• Workers Comp
• General Liability
• Commercial Property
• Commercial Auto
• Cyber Liability
• Business Owners Policy
• Employment Practices Liability
• Business Interruption
• Professional Liability
• Group Health Insurance

Our agents have years of experience providing commercial insurance and are dedicated to excellent customer service. 

Apartments

Convenience Stores

Contractors:
Electrical
Plumbing
Concrete
Carpentry
Heating and Cooling
Fence Installation
Excavation
Grading of Land

Grocery Stores

Manufacturing

Machine Shops

New and Used Auto Dealers

Offices

Restaurants

Taverns

Retail Stores

Truckers

Religious Worshiping Houses

Churches 

and more...

Have a business not listed? Contact us!

 Whether you’re a small business with a variety of bonding requirements, or an individual looking for a specific type of bond, Ramey Insurance has a surety program designed to fit your needs.

We can get you a contract bond up to $350,000 with only a credit report.

We specialize in contract bonds but offer several types of bonds to fit your needs.

• License
• Permit
• Public Official
• Probate
• Court
• Lost title