Our History
Stonebraker McQuary Agency Group, Inc. was formed on December 1, 1988 from the consolidation of Stonebraker Insurance, Inc. and McQuary Insurance Agency, Inc. The partners, Don McQuary and Phil Stonebraker, come from a long line of family interests in the insurance business. Stonebraker Insurance, Inc. and the McQuary Insurance Agency, Inc. ownerships date back to 1923. The consolidation of the agencies brought together two of the largest and strongest insurance operations in the region. In 2005 Idaho Insurance Agency, Inc. dba Keller Insurance, the oldest agency in the State of Idaho was merged into the Stonebraker McQuary Agency Group. Bob Keller joined Don and Phil as one of the principals of the agency. Today the firm continues it's dedication to provide each client the best insurance coverage through excellent insurance companies and service by professional staff.
A homeowners policy usually provides coverage for detached structures, such as a garage or shop building, equal to 10% percent of the value of the home. But if that detached building is used for business in any way, there is no coverage; even incidental use like storing business equipment or inventory. Business use is some activity where you make money or make a trade in value for your service, even if there are no customers visiting the premises. The same exclusion applies to a detached structure which is rented for residential purposes, like a guest house or apartment. That small business requires special insurance to cover the building, equipment, inventory and liability exposures. So if you are painting cars, building birdhouses, a contractor, or have an apartment, office studio, school, day care, etc. You need special insurance. Give us a call to get a quote today.