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Personal Insurance Services

Providing Peace of Mind For You & Your Family

At Hanford Insurance, we understand protecting your most cherished possessions. With customized coverage options, we’re here to ensure you feel secure in all aspects of life. Our team of dedicated agents is ready to guide you in finding the right protection, so you can focus on what matters most.

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Homeowners

Your home is more than just a place; it's where memories are made. Our home policies provide reliable coverage for your property and belongings.

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Auto

Our policies offer comprehensive protection tailored to fit your lifestyle, so you can drive confidently knowing you're covered.

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Powersports

Powersports includes recreational like boats, ATVs, motorcycles, side-by-sides, golf carts, and various off-road and on-road vehicles designed for adventure and sport.

Meet your Personal insurance Team

The Hanford Difference

OPEN COMMUNICATION

We believe in straightforward conversations that keep you informed and empowered. Our team is here to answer questions and explain your options clearly, so you always feel confident in your coverage.

Relationships Built on Trust


At Hanford, you're more than just a policy number. We take the time to get to know you and understand your needs, building a personal connection that ensures you're genuinely cared for.

Value-Driven Options


With access to multiple providers, we work to find you the best coverage at the most competitive rates. Our goal is to secure top-notch protection that balances quality and affordability.

Rooted in Community

As a small town company, we’re invested in making our community safer and stronger. Our service goes beyond insurance, reflecting a shared commitment to support and uplift the neighborhoods we call home.

Support When You Need It Most

At Hanford Insurance, we know that filing a claim can be a stressful experience, and we’re here to make it as simple and worry-free as possible. Our dedicated agents guide you through every step of the process, from initial reporting to final resolution, so you’re never left navigating the system alone. With our streamlined approach and commitment to timely, transparent communication, we work to settle your claim swiftly and fairly—allowing you to focus on getting life back to normal.

personal insurance FAQS

A deductible is the amount you are responsible for paying out of pocket before your insurance coverage kicks in to pay for a covered claim. It applies in situations where you file a claim for damages or losses covered under your policy.

Liability Only insurance covers damages and injuries you cause to others but does not cover your own vehicle. It includes bodily injury and property damage liability, which is typically required by law. Full Coverage includes liability insurance plus comprehensive and collision coverage, which pay for damage to your own vehicle due to accidents, theft, vandalism, or natural disasters. While Full Coverage offers greater protection, it is generally more expensive than Liability Only.

Yes, if you have Uninsured Motorist Coverage, your insurance can cover your medical expenses and, in some cases, vehicle repairs if you're hit by a driver without insurance. Some policies also include Uninsured Motorist Property Damage (UMPD) to help with vehicle repairs, but if not, you may need Collision Coverage to cover the damages. It’s important to check your policy details to understand your coverage.

Standard homeowners insurance typically does not cover water or sewage backup. However, many insurance companies offer water/sewer backup coverage as an optional add-on. This coverage helps pay for damage caused by backed-up drains, sump pump failures, or sewer line issues. If you're concerned about this risk, it's a good idea to check your policy and consider adding this protection.

No, ATVs are not covered on the road under a standard homeowners or auto insurance policy. Most ATV insurance policies provide coverage for off-road use only. If you plan to ride your ATV on public roads, you may need to purchase specialized ATV insurance that includes on-road coverage, depending on your state's requirements. Always check local laws and your policy details to ensure proper coverage.