Personal Lines

Protecting your personal belongings is always a primary concern for any family. At First National Insurance Agency, our Personal Lines Specialists work with you 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.

Auto Insurance

To properly protect yourself from the always present danger of huge awards for auto liability, it is imperative that you maintain the proper level of coverage for your particular situation.

If you have any doubts about the appropriate level of automobile coverage that's right for you, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the coverages best suited to your needs.

Compulsory Auto Policy Coverage

Optional Coverages

  • Optional Bodily Injury to Others
  • Medical Payments
  • Collision
  • Comprehensive
  • Substitute Transportation
  • Towing and Labor
  • Bodily Injury Caused by an Underinsured Auto

Annuities

Health Insurance

Health care costs are high and getting higher. Who will pay your bills if you have a serious accident or a major illness? With health insurance, you protect yourself and your family in case you need medical care that has the potential to be very expensive.

There are several different types of individual health insurance. You can get fee-for-service, HMO or PPO plans, but you should know the differences and coverage limitations before making any purchase decision.

Policies differ widely in coverage and cost. Your agent will shop various policies to find the best one for you. He will make sure the policy protects you from large medical costs and does not contain any hidden exclusions or stipulations that you do not understand at the outset.

If your family includes just two adults, it is sometimes less expensive for each of you to have individual coverage than for just one of you to have a family plan. If you have children, or if you might have children soon, you need a family plan. Because situations change, it is important to review your health insurance regularly with your agent.

Cost is not the only consideration when buying health insurance. It is difficult to determine exactly what you will spend per year on health care. You do not know whether you will be sick 6 months from now and need an operation. You also need to consider the benefits of each policy - compare plans carefully for both cost and coverage with your agent.

Homeowners Insurance

The biggest investment most people will ever make is in their home. That's why it makes sense to protect the sizable financial investment you've made in your own home with a comprehensive homeowners plan.

Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.

Basic Protection You Need For

  • Your home
  • Other buildings or structures on your property
  • Your personal belongings - furniture, clothing, appliances, etc.
  • Additional living expenses
  • Your personal legal liability

Special features you can choose for additional security

  • Home Replacement Guarantee
  • Replacement Cost on Contents
  • Additional Coverage Form

Motorcycle Insurance

Protection for riding is more than just a helmet and a jacket. You need to insure yourself and your motorcycle from all the dangers that you face on the road including accidents, theft, injury etc. Whether you’re a new rider or you’ve been riding for 20 years, cover yourself with one of our comprehensive Motorcycle plans before you hit the open road.

Required Coverages

  • Property Damage Liability
  • Bodily Injury Liability
  • Uninsured/Underinsured Motorist Coverage

Optional Coverages

  • Custom Parts and Equipment (CPE)
  • Roadside Assistance
  • Passenger Liability Coverage
  • Comprehensive
  • Collision Coverage
  • Medical Payments

Insurance Umbrella's

ATV Insurance

Whether you're on a road trip in the RV or snowmobiling in the North Woods, First National Insurance Agency can provide the coverage you need for all of your recreational vehicles.

ATV's, Snowmobiles, Golf Carts

  • Seasonal Use Protection
  • Agreed Value Coverage
  • Association Discounts
  • Driver Training
  • Safety Training

Boat Insurance

Whether you’re dry docked or enjoying life on the high seas make sure you’re covered by one of our comprehensive Boat Insurance Plans. Accidents do happen and if your boat sinks, capsizes, is damaged by a storm or if you are personally injured, your policy will protect you. Find out today how we can cover your investment and save you money.

Types of Watercraft

  • Boats – Vessels between 16 and 26ft long
  • Yachts – Vessels over 26ft
  • Personal Watercraft – under 16ft (Ski-doos, wave runners,   etc.)

Coverages Available

  • Boat Liability
  • Medical Payments
  • On-water Towing
  • Property Damage
  • Uninsured/Underinsured Watercraft
  • Consequential Damage Coverage
  • Salvage Coverage
  • Trailer

Motorhome Insurance

Whether you're on a road trip in the RV or snowmobiling in the North Woods, First National Insurance Agency can provide the coverage you need for all of your recreational vehicles.

RV's, Motorhomes & Travel Trailers

  • Bodily Injury to Others
  • Coverage for your vehicle/trailer
  • Towing & Emergency Expenses
  • Transportation Expenses
  • Damage to Someone Else's Property

Flood Insurance

Did you know that some water damage to parts of your home may not be covered under your Homeowners policy? If you live in a high risk flood area, you may be required to have Flood Insurance. If you do not, we still might strongly recommend it.

The Government created the National Flood Insurance Program to help individuals protect against this kind of damage and to assist communities during time of flood. Make sure your home is covered from top to bottom if the worst should happen.

Coverage's Available

  • Residential Building/Possessions
  • Commercial Building/Possessions

What it covers

  • Direct losses from a Flood
    • Foundation
    • Basement/Crawlspace
    • Appliances
    • Debris Removal
    • Walls and Flooring
    • Electrical, plumbing and HVAC systems
    • Furnaces and water heaters
    • More…….

Vacant Properties Insurance

Life Insurance

Life insurance is a crucial step in planning for your future and your family’s future. It can fulfill promises and obligations to your family if you are no longer living.

The death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses your survivors may incur.

Life insurance may also be used to help ensure that a family business will pass to your intended survivor. There are also benefits to certain types of life insurance plans during your lifetime.

Bonds

Business Hours

Monday-Friday: 8am to 4:30pm

(715)762-2000
Fax: (715)762-2352

Email Us

Our Office Locations

    • Park Falls Office

      170 Division Street
      Park Falls, WI 54552
    • Phillips Office

      366 N Lake Ave 
      Phillips, WI 54555