The Buzz

C.J. Riley & Company

"Deborah Toney has gone above and beyond the call of duty..."
Cheryl

97.5 KLAK

"...It is a pleasure doing busines with such a professional."
Sharon

Horace Groff, County Judge

"...work tirelessly to make her community and its people better."
Honorable Judge Groff

McKinney's Finest

The 2007 McKinney Chamber Small Business of the Year Finalist:
The Deborah Toney Agency

Services

"Always do what is right for the customer." Deborah Toney's business philosophy has benefited hundreds of clients who have turned to her agency for their insurance

Auto:

Do you have the right amount of Auto insurance? At the Deborah Toney Agency, we'll personally review your policy and help you identify any potential overlaps or gaps in your coverage. We'll also identify any discounts you may qualify for. It's all part of the professional, personal service offered by our team.

We have a Variety of coverages to fit your needs

Bodily injury and property damage liability.
Collision damage.
Other than collision damage.
Uninsured/Underinsured motorist.
Loss of use.
Death and dismemberment.

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Home:

What is the proper amount of insurance for your home? The current market value? The amount remaining on your mortgage? Purchase Price? At the Deborah Toney Agnecy we can help you with the answer to all these questions. Replacement value is the proper amount of insurance to carrier for your home. Our team will always have the right answers for your isurance questions.

Your home, townhouse, condo or perhaps you rent, the Deborah Toney Agency has an insurance program to protect your home and personal belongings. What a policy includes:

Property coverage: Coverage is provided for your home, attached structures and separate structures like a detached garage. Replacement cost is the basis for all other property - related coverages.
Personal property: Coverage is based upon a percentage of the replacement cost value of your home. Content Replacement Cost extends coverage to include the cost of repair or replacement without the deduction for depreciation.
Personal liability: Pays for bodily injury or property damage to others, if you are liable.
Loss of use: Covers additional living expenses if your home is unfit to live in due to a covered loss.
Medical expenses to others: Coverage for medical payments for people other than residents of your household injured at your home, regardless of liability.
Optional Coverage (Floaters): Extended coverage for certain categories of personal property available.

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Life:

What is Life insurance? Life insurance is protection against financial loss resulting from death. It is an insurance company's promise to pay your beneficiary a specific amount of money when you die in exchange for timely payment of premiums.

When do I need life insurance? Although you may not think about it, your ability to earn income is a significant asset and life inurance helps replace lost income in the event of your premature death.

Here are some reasons why life insurance is so important.

The death benefit may be used to replace income the family would need to maintain their standard of living after death.
To pay off a mortgage loan and other personal or business debts.
To create a fund for your children's education.
To pay final expenses such as funeral cost or taxes.
To create a family emergency fund or start fund for a family member with special needs.

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Business Insurance:

Owning a business can be exciting, challenging and rewarding. The Deborah Toney Agency can assist you in meeting the challenges and the rewards.