Business Details
50+ Years
experience
Trusted Insurance Solutions in Prineville, OR
Insure Pacific has been dedicated to providing comprehensive insurance solutions since 1935, serving clients across ten states with personalized service and expertise. Our independent agency represents multiple carriers, ensuring clients access to competitive rates and tailored coverage options for personal, business, life, and health insurance. With a focus on local knowledge and industry-leading experience, our team of licensed professionals prioritizes client education, transparency, and proactive service to demystify insurance complexities.We pride ourselves on building long-term relationships by delivering value-driven solutions that balance cost and coverage, supported by a 89-year legacy of adapting to evolving client needs. Our commitment to excellence is reflected in our clients' testimonials, highlighting exceptional customer service, responsiveness, and the peace of mind that comes from working with a trusted advisor.
Services
Auto Insurance
Home Insurance
Life Insurance
Business Insurance
Health Insurance
Renters Insurance
Flood Insurance
Umbrella Liability
Farm Insurance
Commercial Auto
Details
- Year established: 1935
Highlights and features
- We offer 89 years of experience in tailoring insurance solutions across ten states.
- Our independent agency represents 100+ carriers to secure competitive rates.
- Personalized service includes detailed coverage explanations and client education.
- Proven track record of resolving claims efficiently and transparently.
- Local expertise combined with nationwide carrier partnerships ensures comprehensive options.
What people say
Exceptional customer service
Proactive communication
Competitive rates
Thorough policy explanations
Quick claims resolution
Services
Auto Insurance
We provide comprehensive auto insurance solutions tailored to protect drivers with customizable limits and coverage options. Our policies include mandatory liability, personal injury protection, and optional add-ons like comprehensive/collision coverage. By representing multiple carriers, we ensure competitive rates while emphasizing higher liability limits to safeguard assets against costly accidents.
Home Insurance
Our homeowners insurance offers robust protection for primary, seasonal, and rental properties with customizable dwelling and liability limits. Policies cover structural damage, personal property losses, and liability claims while addressing exclusions like water backup or earthquake coverage. We guide clients in selecting appropriate replacement cost coverage and endorsements to avoid underinsurance during claims.
Business Insurance
We specialize in business owners' policies (BOP) combining property, liability, and business interruption coverage for small businesses. Additional offerings include workers' compensation, professional liability, and commercial auto insurance. Our solutions protect diverse industries with tailored risk management strategies and support for claims resolution.
Life Insurance
We offer term and permanent life insurance policies designed to replace income, pay debts, or fund estates. Term policies provide affordable coverage for specific periods, while permanent options include cash value accumulation. Our advisors help clients determine appropriate coverage amounts and structures aligned with long-term financial goals.
Health Insurance
We provide individual, family, and group health insurance plans with access to competitive networks and cost-saving strategies. Our services include marketplace plan comparisons, Medicare supplemental options, and employer-sponsored coverage solutions. We assist clients in navigating policy details to optimize benefits while managing out-of-pocket expenses.
People
Monica Elsom
Owner
With over 15 years leading Insure Pacific after its 2008 acquisition, Monica brings deep industry expertise and a commitment to personalized service. Her background in insurance operations and local community involvement drives the agency's client-focused approach.
Sabrina Stout
Insurance Agent
Sabrina specializes in auto, home, and Medicare insurance, known for her proactive communication and ability to secure coverage for unique client situations. Clients consistently praise her responsiveness and thorough policy comparisons.
Holly Armstrong
Account Manager
Holly provides expert guidance on business insurance solutions, leveraging her CPA background to align coverage with clients' financial goals. Her analytical approach ensures comprehensive protection while optimizing costs for commercial clients.
Questions
What information affects my auto insurance rate?
Your driving history, vehicle type, annual mileage, location, and selected coverage limits directly impact your auto insurance premium.
Does home insurance cover water damage?
Standard policies cover sudden water damage from plumbing failures but exclude flood damage. Additional endorsements may cover sewer backups or specific water-related risks.
Can I insure multiple properties under one policy?
Yes, we offer customized solutions for landlords with multiple rental properties, including portfolio coverage options and liability protection.
What's the difference between term and whole life insurance?
Term provides coverage for a set period with lower premiums, while whole life offers lifelong protection with cash value accumulation at higher costs.
How do I file a business insurance claim?
Contact your assigned agent directly or use our emergency line for immediate assistance. We'll guide you through documentation and expedite the claims process.
Do you offer discounts for bundling policies?
Yes, combining multiple insurance products like auto and home typically qualifies for multi-policy discounts that reduce overall costs.
