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Why Choose The Insurance Teacher?

  • Backed by some of the largest and most reputable insurance companies in the nation.
  • A professional insurance agent who cares about you and will take the time to make certain you have the right coverage – at the right price!
  • Experienced and friendly support staff who is ready and eager to help.
  • An extensive product portfolio allowing us to handle most of your insurance and financial services needs.
  • The latest in technology that allows us to be available when and where you need us.
  • You have access to our calendar, your personal insurance documents and much more using our Client Portal.
  • Claims support 24/7/365.
  • If you are a business owner, The Insurance Teacher provides referral programs to help drive referrals to your small business.
  • An agent who delivers on her promise to be more than just a provider of insurance. To us, you are part of the family!

Whether you have:

  • Extensive insurance experience
  • Knowledge or exposure to the industry,
  • An entrepreneurial spirit,  we can help you get started. Farmers® has helped leaders and self-starters just like you take the next step for more than 85 years and The Insurance Teacher can help you get started!

Why Selecting The Insurance Teacher for Auto Insurance is a Smart Choice

At The Kim Hastings Agency, we know that insuring your vehicle is more than just a basic obligation. It’s a vital and legal necessity in your world…and these days, your needs may go well beyond “basic.”

That’s why our agency helps you make a Smart Choice when it comes to selecting your Auto insurance, to bring you more than simple coverage. With The Kim Hastings Agency, Auto insurance comes with quality coverage, convenience, and personalized service far beyond basic. Yes, it can cover injuries and damages caused by an accident, if you’re legally responsible. However, our agency goes further, delivering the accessibility, convenience, and options you want, along with the personal touch of your own neighborhood agent.

 

Customize your Auto Insurance policy with plenty of coverage options

We understand that in life, as in Car insurance, foresight and awareness are everything. When it comes to protecting what you care about most, “one-size fits all coverage” just doesn’t cut it.

That’s why The Kim Hastings Agency gives you beyond-basic coverage options to help you spot coverage gaps and cover other unexpected costs.

 

 

Consider additional coverage options* like:

Accident Forgiveness

Accidents happen (that’s why you have insurance), and The Kim Hastings Agency, we know that they aren’t always your fault. That’s why, with this option*, your rate remains can remain unchanged when you’re not at fault in any accident while your policy is in force.**

Incident Forgiveness

Get a speeding ticket? Pretty frustrated? We understand these things happen. With this added option, your rates won’t increase for a citation, as long as no claim is filed.**

You can always speak to a representative of The Kim Hastings Agency to learn more about coverage options, or talk about your coverage needs.

Small Claim Forgiveness

With this option, your rates will never go up because of a fender bender or other small accident even if it’s your fault.

 

*Not available in all states.

**Benefits apply to Farmers customers only, and do not include any incidents or violations occurring before the date of insured with an approved carrier.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions, and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.

 

Your home is where you hang your hat, where your family sleeps, and where you keep your valuable and meaningful belongings. When it comes to protecting your investments, there are few things more important than insuring your home.

That’s because Homeowners insurance can help you:

  • Cover your property and possessions if they’re damaged or destroyed by a covered loss.
  • Protect your assets if you’re sued for your alleged negligence that caused an accidental resulting in property damage or injury to another.

To know you’re covered the way you want, it’s important to know how much coverage you want, and which coverage options are available to you.

Things to think about when choosing Homeowners coverage

To help you find the homeowners insurance you want, take into account the:

Value of your home

What would it take to rebuild your home at today’s prices?

Keep in mind, the price you paid for your home is not necessarily what it will cost to rebuild it. For example, the cost of your home may have included the value of the land. When insuring your home though, consider what it would cost to replace or rebuild the house itself. Talk to a Farmers agent, who can work with you to estimate the reconstruction cost of your home. You can also ask a reputable contractor about local building costs.

Value of unique or expensive items

Do you have fine art, jewelry, or coins? How about a wedding or engagement ring?

Homeowners insurance covers these valuable items up to the amount listed in the policy, but this may not be enough to fully cover valuable or unique items. Talk to your Farmers agent about adding Personal Article Floaters to your policy. Floaters provide increased limits and/or additional coverage for specific valuable and unique items, so you can cover them the way you want.

Value of your liability coverage

If you were to be sued because of an accident or injury for which you were legally responsible, would your financial assets be at risk?

Life happens, and at some point you could be responsible, or liable, for injuries, accidents, and damages that happen on your property or anywhere else, for that matter. You can protect your assets against claims and lawsuits with liability coverage available on your homeowners policy.

Value of your personal property

It’s difficult to know exactly how many things you own, and how much your personal possessions are really worth until you do a full home inventory. That means going room to room, making a list, and taking pictures of what you have (include as much detail as possible). With a better idea of the value of your personal property, you can more accurately choose the coverage you want to replace your items in the event of a covered loss. With some limited exceptions, a Farmers Homeowners policy will usually cover your personal property anywhere in the world, for the limits stated in your policy.

What are some other Homeowner insurance options?

Homeowners insurance generally covers damages to your property, your possessions, and liability claims against you, as specified in the policy. Need more? Farmers offers additional coverage options such as:

Identity management

We live in a digital age of email, social media, and online banking. That’s why Farmers offers optional, cutting edge Identity Management Services to cover our customers and their identities out there. These optional services cover you from losses and expenses attributable to identity theft (up to the value stated in the policy). Subscribers also have access to advocacy services to help resolve identity theft events and replace certain important documents.

Eco-rebuild

With the Farmers Eco-Rebuild option, in the event of a covered loss, you can receive up to $25,000 for extra costs to rebuild, repair, or replace with green contents and materials.

Contents replacement cost

With a typical homeowners policy, after a loss you would be reimbursed based on your items’ depreciated value (its original value minus depreciation for time, wear, damage, etc.), but with Contents Replacement Cost coverage, the value of any damaged or destroyed item is based on the cost of a new one with similar features.

Trees and shrubs

If your trees, plants, shrubs, or lawn are damaged due to a covered loss, your Farmers policy will pay up to $750 per item, up to a maximum of 5% of your dwelling coverage.

Check with a local Farmers agent to learn how to obtain coverage for your home, inside and out, with Farmers Homeowners insurance. When you’re ready, get a quote online.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.

 
 
 
 
 

Life Insurance

There’s nothing more important than family and we have been protecting families like yours protect their financial future with Life insurance, know-how, and great advice!

Life insurance is a great way to help prepare for life’s unexpected moments. Like most of us, you probably worry about the future. Can we pay off the house? Will my kids get a good education? Will they grow up healthy and happy?

With life insurance, you can know that no matter what tomorrow may bring, you can help support your family’s financial future.

So, how do you get started?

 

Understanding Life Insurance

Interested in helping to protect your loved ones’ financial future, but not sure where to begin? We’ve put our experience and know-how at your disposal. With The Kim Hastings Agency,  we’ll help you understand:

  • When is the best time to apply for life insurance?
  • How much coverage do I need?
  • What types of coverage are available?
  • How do I talk to my family and my agent about Life insurance?

Explore our Life Insurance Resource Center to learn how to get started, and help you better understand your own Life insurance needs.

 

Finding the Life Insurance for You

Life is all about options and choices, and so is The Insurance Teacher. With a variety of coverage options and products, you can find the coverage that you want for your family and your needs.

  • Understand the difference between Term and Permanent coverage.
  • See which term coverage options there are, for generally the greatest amount of coverage at the lowest initial cost.
  • See which types of whole life insurance options there are, for permanent coverage and cash value accumulation.
  • See which types of universal life insurance options there are, to help meet your current and future financial needs.
 

Getting the Help You Want

We understand that life insurance is a personal decision, and not one to take lightly. That’s why we have knowledgeable agents right in your community, ready to help you with the information, experience, and personalized service you need to guide you through the Life insurance process.

Whether you are looking to purchase a policy or just get a life insurance quote, we will give you the information you need to select the coverage that best fits your needs and budget.

 
 
 
 
 
 

It’s in the news. You hear more and more about massive jury awards that result in a business’ financial ruin. Most business owners never expect to encounter a loss that exceeds the limits of the coverage they have to manage accidents, mistakes and injuries—also known as liability insurance—but unfortunately in today’s business environment, it happens too often.

A large loss could impact the business success you’ve worked so hard to achieve and destroy your hopes for a bright future. Farmers Umbrella Coverage can help you protect the assets you have today by providing added coverage where you need it most. Connect with a Farmers insurance agent who can help you build a tailored insurance solution that meets the specific needs of your business.

All businesses are vulnerable

No matter the size of your company or how well it’s run, your business faces the potential of a devastating claim arising from an unforeseen event. For example, let’s say you own a retail store or apartment building, and a customer trips on the carpet and hits his head, sustaining serious brain injury. You could be potentially liable for millions of dollars in medical and other payments.

Would that entire sum be covered by your existing business liability insurance? Could your business savings and/or revenue make up for the difference in what’s not covered? If your answer is no, that’s where Farmers Umbrella Coverage comes in. Umbrella Coverage goes above and beyond basic business liability insurance limits, offering up to $10 million of additional funds to manage situations just like this.

If you are a small business owner, you might think they can’t take what you don’t have. Think again—a court can seize the business assets you currently have and even allocate future earnings to satisfy a judgment against you. It’s never too soon to invest in umbrella coverage.

Get the ultimate in asset protection

It’s your decision how to best spend each one of your hard-earned dollars. But if an unexpected major loss occurs that key decision may no longer be yours. You’ll find that Farmers Umbrella Coverage offers you a way to help ensure your business assets remain yours for less than you might expect.

Do you know if your current coverage offers you the protection that you want for your business against major catastrophic events? If you don’t, contact your local Farmers agent today to help you find out. Any gaps in coverage could have specific, potentially adverse effects on your unique business.

 

When most people think of Farmers, they think of an insurance company with a reputation for stability and service. At Farmers Financial Solutions® we apply those same principles when helping families and business owners toward their financial goals and objectives.

 

Kim Hastings is an insurance and financial services professional with a background in education who has a strong desire to help you fund your child’s (or grandchild’s) 529 College Savings Plan. She will give you the professional perspective you need to help you build a solid financial strategy – even if you don’t have much investing experience.

 

You’ll get help so you’re in better control of your financial future:

 
 

 

  • Get help with important investment decisions
  • Learn about tax-advantaged strategies
  • Learn about the advantages of consolidating your various financial accounts
 

Protecting your family

 

  • Variable Universal Life
  • Traditional Permanent Life
  • Term Life

Retirement

 

  • Traditional & Roth IRAs
  • IRA & 401(k) Rollovers
  • Variable & Fixed Annuities

College

 

  • 529 College Savings Plans
  • Coverdell Education Savings
  • UGMAs/UTMAs

Benefits for you business

 

  • SEP / SIMPLE IRAs
  • 401(k) Plans
  • Solo 401(k) Plans

When most people think of Farmers, they think of an insurance company with a reputation for stability and service. At Farmers Financial Solutions® we apply those same principles when helping families and business owners toward their financial goals and objectives.

Your Farmers Insurance and financial services agent will give you the professional perspective you need to help you build a solid financial strategy – even if you don’t have much investing experience.

You’ll get help so you’re in better control of your financial future:

  • Get help with important investment decisions
  • Learn about tax-advantaged strategies
  • Learn about the advantages of consolidating your various financial accounts

 
 

Request a Flood Quote

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You have to ride to know. To know the feeling, the freedom, the exhilaration. To know what it’s like to experience the road as it was intended, without barriers or boundaries. The Insurance Teacher understands the call of the open road.

We also know that when you’re out there, the last thing you want to worry about is whether you have the right insurance policy. That’s why we’ve developed the smart choice in motorcycle coverage, with:

  • Professional insurance agents right in your neighborhood
  • One-stop shopping from one provider
  • Great savings with multi-line discounts
  • 24/7 Claim Services
  • Year-round coverage, but with rates that take into account mostly seasonal use
  • Specialized coverage options that include:
    • Roadside assistance
    • Trip interruption coverage
    • Equipment and accessory coverage
    • And more

What We Cover

Our specialized Motorcycle policy provides outstanding standard and optional coverage, including coverage for accessories, safety-related gear, and much more. We accept a wide variety of motorcycles, including:

 

  • Cruisers
  • Touring bikes
  • Sport cycles
  • Trike conversions
  • Custom cycles
  • Classic bikes
  • And more!

With no limit to the number of discounts you can receive if you qualify, find out all the ways you can save with a Motorcycle insurance policy from The Insurance Teacher.

Contact us to get a quote and for more information about all of our Recreational insurance coverage options.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.

 
 

Whether you’re just starting out with a brief trip, or a veteran full-timer taking all the amenities of home with you, you still want to know that you have comprehensive Travel Trailer insurance coverage in case something happens.

Our policies provide important standard and optional coverages not available in conventional auto policies, or in the stripped down RV policies offered by other companies. A Farmers travel trailer insurance policy can give you the coverage you want at a price that fits your budget.

Coverage included with your policy

Here are some of the travel trailer coverages we offer that aren’t included in a typical auto policy:

  • Comprehensive Coverage for protection from just about any direct, sudden, and accidental loss, including: collision, fire, smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches or overhangs, theft and lightning.
  • Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas.

Optional Coverage

Farmers offers optional coverage that lets you customize your policy. These are a few popular options:

  • Total Loss Replacement Coverage protects your travel trailer from the effects of depreciation. If your new-model travel trailer is destroyed within its first five model years, we’ll pay to replace it with a brand new one of similar kind and quality – no matter what it costs.
  • Emergency Expenses Coverage pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.
  • Campsite/Vacation Liability Coverage when you are parked and using your travel trailer as a residence.
  • Replacement Cost Coverage on destroyed or stolen personal belongings.
  • TraveLine® Towing and Roadside Assistance eliminates the hassle of buying a separate towing plan. Towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services are just a toll-free phone call away. There are no out-of-pocket payments required, either. Just sign and drive. What’s more, your travel trailer – and your tow vehicle – are covered, regardless of who is driving!
  • Full-Timer Coverage provides liability protection very similar to a homeowners policy. While an auto policy will only provide liability protection when you are on the road, a Farmers Full-Timer policy covers you when you are parked and using your rig as a residence, too.
  • Stationary Travel Trailer Program gives you extensive comprehensive and contents coverage if you use your travel trailer as a seasonal or permanent residence. This includes liability coverage that covers liability, medical payments to others, and property damage claims caused by an accident for which you are held liable. This program provides you with additional protection since your auto or homeowners policies may not extend coverage to you.

Discounts

Policy discounts vary by state and chances are one or more will apply to your policy. Contact a Farmers agent today for a Travel Trailer insurance quote and to see what specific discounts are available in your area.

 
 
 

From Classics to Modifieds, we know your car and we want to help you get the insurance coverage you want.

Types of cars covered:

How is Collectible Auto insurance different?

Trusting your collectible auto to a typical auto policy may bring you an unpleasant surprise at claim time. Here’s how a Farmers Specialized Collectible Auto policy is different:

 
 
 

Even if you don’t own a home, you probably own a great deal more than you think. Consider all of your furniture, electronics, clothing, appliances, and jewelry, as well as any art, books, or musical instruments you own.

Beyond your personal property, what if you’re found liable for injuries sustained by visitors in your home as a result of negligence?

That’s where Farmers Renters Insurance comes in.

Renters insurance covers your personal property, and even covers you from liability claims while you’re renting. Also, if your rented home ever needs serious repairs, and you’re unable to live there, it also covers the reasonable and necessary increase in living expenses (housing, food, etc.) you may incur.

The best part? Renters insurance is affordable. For about the price of a movie and popcorn once a month (just pocket change each day), you can purchase coverage for your personal belongings. Start by getting a Renters insurance quote to see Farmers’ affordable coverage options.

Your possessions

Many people make the mistake of underestimating the contents of their home, but the value of your apparel, small appliances, electronics, furniture, and personal items can really add up. Taking an inventory of your personal property can help you determine how much coverage you want to purchase.

Liability claims

Renters insurance can also help you to cover your assets in the event a guest or visitor to your home is injured as a result of your negligence and brings a liability claim against you, or sues you. When considering the amount of Liability insurance coverage you want to purchase, keep in mind the value of your assets.

Your valuables

Coverage is available for your valuables up to the limits stated in your policy. You may want to purchase optional Personal Articles Floaters, which extend coverage for your personal articles, such as jewelry, furs, fine art, or musical instruments, when their value is higher than the limits stated in your policy.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.

New York, Texas and Washington:

Insurance is underwritten by Farmers Insurance Exchange or an affiliated insurance company. Visit Farmers.com for a complete listing of companies. In New York, Renters insurance is underwritten by Truck Insurance Exchange. In Texas, Renters insurance is underwritten by Fire Insurance Exchange. In Washington, Renters insurance is underwritten by Farmers Insurance Exchange and Farmers Insurance Company of Washington. Each insuring entity has sole financial responsibility for its own products. This is not a policy but a general description and is not an offer to insure. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and any endorsements. Not all coverages and discounts are available in all states. Limitations may apply. Please note that if you are already insured with Farmers Insurance, contact your Farmers agent for a review of your policy(ies).

 
 

Boats and personal watercraft are big investments, but if you love being out on the water, you know they’re worth it. So protect your fun investment with coverage that’s designed with the boat lover in mind. Not with some standard coverage or add-on to your Homeowners insurance.

Get the Boat insurance that goes beyond standard. Something that gives you the options you want, all in one package.

Boat insurance packages

Farmers offers a variety of industry-leading Boat insurance packages, to give you more choices and more options in the simplest way possible. Just pick the marine package that fits your lifestyle and budget, and get the coverage you want all in one.

Marine Choice Saver Package

Perfect for the price-conscious boater who wants solid coverage at an affordable cost.

Marine Choice Plus Package

The most popular Boat insurance package for a reason! Includes unique features like Agreed Value Settlement, Diminishing Deductible, Hurricane Haul-Out, and more.

Marine Choice Elite Package

For those who want the most coverage to protect their boating lifestyle. We’ve taken the “Plus Package” and added Dinghy coverage, Boat Lift and Hoist coverage, Bahamas and Mexico navigation, Tournament Fee reimbursement, Loss Forgiveness, and much more!

Pontoon Package

A lower-cost option for pontoon owners that provides settlement on an Actual Cash Value basis (the value of your pontoon, less any depreciation over time).

Pontoon Elite Package is also available for those who want to make sure they have the best coverage for their pontoon. This includes many of the same features in our Marine Choice Elite package.

Classic Package

For older boats that need essential coverages at a great price.

Classic Elite Package is also available for the proud, vintage boat owner. Built for anyone with a 26+ year old historic, collector or antique boat, who wants added coverage and benefits.

Performance Package

For boats that were built to go fast, but may not need extra coverages and features.

Performance Elite Package is also available and provides added coverages like Boat Lift and Hoist coverage, Trip Interruption (coverage for lodging, meals, transportation, etc.), Bahamas navigation and more.

Personal Watercraft Package

All types of personal watercraft can benefit from this package! It has several optional coverages to make sure everything is insured at a great price.

 
 
 
 

Join our team today to become a client, employee, referral partner or sales producer today!