Larry M. Wetzel Insurance

Services & Products

Larry M. Wetzel Insurance is built on the principles of providing superior customer service and quality insurance solutions for our customers. How we serve you is as important as what we provide. We listen to you, discuss your needs and answer your questions. We look at both your short-term and long-term objectives and help you put your insurance and planning needs in perspective.

Our goal is to develop a custom-tailored insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable, competitive costs our carriers can provide. We are dedicated to getting you the best insurance products and services available today to protect you, your family, and your property.

We provide the following types of personal insurance protection:


This coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and some coverage is required by most states.

The second part covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or lien holders. There are also ancillary medical, car rental and other coverages which vary by state.

Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

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If you have tangible assets, you need the protection of a homeowner’s policy. These policies cover you in a home, apartment or condominium, whether you are an owner or a renter. A well-written homeowner's policy will pay to replace any of your personal property that is destroyed in a fire or other covered perils. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by numerous underwriting factors. The financial strength and the rating of the insurance carrier determine the quality of the coverage. The all-risk policy is a broad policy in which coverage is provided and the burden of proof is on the carrier not you in the event of a loss, unless a peril is specifically excluded.

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Condominium insurance extends coverage for your unit in areas and ways a condominium association master policy doesn’t usually cover. Your association master policy typically insures the building and other common areas. You are responsible for the interior of your unit. Typically you need personal property and liability coverage as well as the coverage for your floors, walls, cabinets and fixtures that your associations insurance probably will not cover.

Every associations’ insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condo by-laws carefully.

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As a renter, you need to protect your personal property against theft and damage. A personal liability renters insurance policy is hard to beat for convenience and value of the coverage provided. We'll assure you the peace of mind you need for your valuable items and personal activities.

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Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be separately obtained.

Federal Emergency Management Agency (FEMA) flood maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.

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Umbrella (PELP)

You don't have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have low levels of coverage, you may lose a lot of sleep.

Personal Excess Liability Policies (PELP) offer inexpensive "peace of mind" for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor's child drowning in your pool or the deliveryman being seriously injured by falling over your child's toys.

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Whether you're an enthusiast or a first-timer, having fun, being responsible and being safe is what it's all about. Being responsible includes finding the right insurance.

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. We have a variety of motorcycle policy options to meet your needs.

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Whether you are a first time boater or experienced captain, it is important that you have proper coverage for your vessel. Larry M. Wetzel Insurance has policies that are geared specifically for your personal watercraft.

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Average wedding costs are topping more than $20,000; so wedding insurance makes good financial sense to protect the investment. Couples and their parents should consider wedding insurance. It can help couples adhere to their wedding budget by covering some of the costs should something unexpected happen like a bankrupt banquet hall, a torn wedding dress or a no-show vendor. A growing number of couples are choosing wedding insurance to guard against issues such as lost deposits, host liability coverage, gift breakage, lost or damaged photographs and unavoidable cancellation or postponement due to military leave.

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With uncertainty over the future of Social Security and life expectancies increasing, many people will find they need to supplement their pensions with additional savings. So depending on the amount of your retirement accumulations, your personal savings may play an increasingly important role in how well you live in retirement. An Individual Retirement Account (IRA) can help provide a tax-advantaged way to save for your retirement. There is more than one kind of IRA, so it is important to know which kind is most appropriate for your unique needs.

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Life Insurance

Life insurance can help you secure your family's financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living.

There are a variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs:

Term Life

Term Life Insurance is a low-cost way of providing maximum coverage for your family. Protection is provided for a limited number of years. The insurance expires without value if the insured lives beyond the policy period, usually 5 to 20 years. Other policy life periods are available, including 1-year annual renewable term.

Term insurance premiums will not increase during the guaranteed policy time period (term) you select. Term Life Insurance pays a death benefit only if you die during that term. Term insurance generally provides the largest insurance protection for your premium dollar.

Term Life Insurance remains in force for as long as premiums are current provided the representations on the application are truthful and accurate. The insurance coverage terminates if you discontinue your premium payments.

Whole Life

Whole Life Insurance provides permanent protection for the life - from the date of policy issue to the date of the insured's death, provided that premiums are paid. Premiums are set at the time of policy issue and remain level for the policy's life. Unlike term insurance, whole life combines insurance protection and savings or cash value which builds over time. Cash value build-up may provide a source for living benefits, for example, helping pay off a mortgage, or a child's education, or cash surrender value if the policy is voluntarily surrendered.

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