We Are Here For You

Home & Auto Insurance

We provide various types of coverage to clients across the state.  We take the time to customize home and auto insurance policies to suit your personal needs and budget. We do not offer cookie-cutter insurance policies to clients. 

Business Insurance

Our business offerings, like our personal policies, are tailored to fit your needs. Managing a business is no easy task. Succes demands attention to detail to stay ahead of the competition

Auto Insurance

From liability and comprehensive to collision and diminishing deductible, we offer the coverages that keep you secure. We partner with different carriers to provide these coverages, and as a result, we can ‘shop’ these coverages on your behalf. These coverages include:

Comprehensive Coverage
Collision Coverage
Uninsured & Underinsured Motorist Coverage
Diminishing Deductible
Accident Forgiveness
Minor Violation Forgiveness
Roadside Assistance·
Specialty Auto Insurance
24-Hour Customer Service
Rental Reimbursement
Personal Injury Protection (PIP)
Medical Payments Coverage

Home Insurance

Coverage Tailored to Your Needs
Home insurance coverages range from structure and property to high-value item and natural disaster(hurricane, flood, storm, and other) As an independent insurer we partner with different carriers and as a result, we can ‘shop’ on behalf of our clients for coverages that are most appropriate and cost-efficient. These coverages include:

Property Coverage
Content Coverage
Homeowners Liability
Personal Injury
Ground Collapse
Animal Liability
Association Loss Assessment
Water Back Up
Loss of Use
In-Home Business Insurance

Business Insurance

Do you have a business? 

Business insurance coverage protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks. Companies evaluate their insurance needs based on potential risks, which can vary depending on the type of environment in which the company operates.

Risk Insurance

A property insurance policy that is designed to cover property in the course of construction. There is no single standard builders risk form; most builders risk policies are written on inland marine (rather than commercial property) forms. Coverage is usually written on an all risks basis and typically applies not only to property at the construction site but also to property at off-site storage locations and in transit. Builders risk insurance can be written on either a completed value or a reporting form basis; in either case, the estimated completed value of the project is used as the limit of insurance.

Business Owner's Policy Insurance

Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. (They also sell coverages separately.) One package purchased by small and mid-sized businesses is the business owners policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.

Commercial Insurance

Your commercial business means everything to you and it is important to us as well. You face many challenges every day and you want to ensure your business is adequately protected. Put the experienced team at the Zibara Insurance Agency to work for you and start your Commercial Insurance policy today.

Worker's Compensation Insurance

Employers are legally obligated to take reasonable care to assure that their workplaces are safe. Nevertheless, accidents happen. When they do, workers compensation insurance provides coverage.
Workers’ compensation insurance serves two purposes: It assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to return to work and it usually protects employers from lawsuits by workers injured while working.
Workers receive benefits regardless of who was at fault in the accident. If a worker is killed while working, workers comp (as it is often abbreviated) provides death benefits for the worker’s dependents.