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Taking a Hands-on Approach to Your Insurance

Get coverage personalized to your needs from Holmes Insurance LLC.

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As an independent agency, we are here to help you find the right coverage.

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Local Team, Local Focus

Our owner, Cody Holmes, has been a resident of South Windsor, CT, since 2007. He’s excited to bring his hands-on approach to insurance to the community in order to serve your needs.

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Holmes Insurance LLC

Learn more about our agency.

At Holmes Insurance LLC, we believe in taking a hands-on approach to your insurance. That means working individually with each of our clients to identify the unique risks they face so we can help them find the right coverage at the right price to meet their needs. You need coverage that works for you, not for anyone else.

As an independent insurance agency, we can offer that level of personalization because we represent a variety of top-rated insurance carriers—giving you a variety of options. But we can also offer that level of personalization because we believe in the importance of educating our clients. We’ll help to make sure you understand your policies so you can feel secure in your protection.

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The Solution to Your Insurance Needs

Providing a variety of personal insurance and business insurance solutions is what Holmes Insurance LLC does best.

Our Clients Rave About Us

Check out our reviews and see why you should switch to Holmes Insurance LLC.

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“Cody is top-notch on every level. He’s responsive when you need him, and he can find the best rates for the best coverage. I have used Cody consistently for the last 10 years, and have referred him to over 50 clients, all of whom have been very happy with his services.”

– Julie C.
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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

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Award-Winning Agency

As a local agency, we are honored to have received the Small Business of the Year Award from the South Windsor Chamber of Commerce.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance 101

Make sure you cover the unique risks you face with auto insurance.

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  Contact Holmes Insurance LLC

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

South Windsor, CT

225 Oakland Rd
Suite 404
South Windsor, CT 06074

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