Welcome to Hempkins.com. We are an Independent Insurance Agency committed to providing our clients with the best possible value through attentive, personal service and excellent rates.

Measures to Maintain Your Home

During the last several years, many consumers have faced escalating homeowners' insurance premiums. In some cases, consumers have even experienced difficulty in obtaining homeowners insurance — particularly those with several claims. However, there are a number of preventative measures that consumers can do to lessen the possibility of future losses. Read more >>

Staying Awake While Driving

Automobile accidents are a major cause of liability claims. National Highway Traffic Safety Administration (NHTSA) estimates that approximately 100,000 crashes each year are caused primarily by driver's drowsiness or fatigue. Read more >>

Highway Construction Accidents

Accidents in highway construction zones kill more than 1,000 people each year, and most of them are drivers, according to the Federal Highway Administrator, Mary Peters.

“We're asking drivers to remember that for thousands of men and women, their workplace is the highway.” Read more >>

Personal Automobile Policy and College Students

As your children go off to college, you may want to take some time to review and discuss the different nuisances of your personal automobile coverage with your insurance agent. Coverage often depends on the details of your situation and the interpretation of it. Read more >>

Homeowners Policy and College Students

Question: Is the computer provided by my child's school covered for theft?

Most homeowners' policies cover any personal property owned or used by an insured if it is damaged or lost due to a covered peril. Your child was certainly using the property... and theft is a covered peril. Read more >>

Insuring Property While In Storage

Most homeowner's policy, or tenant's policy if it is an apartment, provide extremely broad coverage for personal property. It covers personal property owned or used by an insured anywhere in the world. However... Read more >>