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Joanne Hines Agency
Over 15 years of experience with American Family. As your American Family Insurance agent, I believe there's more to insurance than the policy itself. It's about providing dependable protection and service. That's why earning your trust is my policy.

As your American Family Insurance agent, I believe there's more to insurance than the policy itself. It's about providing dependable protection and service. That's why earning your trust is my policy.

-Joanne Hines

Joanne Hines

Ellsworth Office
450 E Wall St
Ellsworth, WI 54011
Map & Directions
Office Hours:
Monday - Friday:
9:00 a.m. - 5:00 p.m.
Evenings and weekends by appointment.
Office: (715) 273-5212
Toll-free: (888) 724-9422
Fax: (715) 273-4012

Plum City Office
501 Main St
Plum City, WI 54761
Map & Directions
  • Auto Insurance
  • Home Insurance
  • Business Insurance
  • Life Insurance
  • Health Insurance
  • Annuities
Office: (715) 647-3141

Auto Insurance

You’re always on the move – both for work and pleasure. Whether commuting to the office, traveling cross country or enjoying a weekend pleasure sport, American Family Insurance can help make sure you and your motorized vehicle are properly covered.


American Family Insurance offers you a variety of ways to save money on your coverage. For auto, you may qualify for one of the following: Multiple Vehicle Discount, Good Student Discount, Air Bag Discount, Accident Free or Good Driver Discount.

Health Insurance

From time to time, one of your loved ones may become ill or be involved in an accident. This could be a very costly experience that would put your family's financial well being at risk. American Family offers a variety of health insurance policies that may help you prevent future financial loss in case of an accident, illness, hospitalization or surgery.

Medicare Supplement Plans

Our Medicare Supplement plans, underwritten by American Republic Insurance Company, help cover expenses Medicare does not. You can be certain your American Family agent will always be ready to answer all your questions and handle any of your concerns with regard to coverage.


American Family Insurance offers you a variety of ways to save money. See our discounts page on our website for some of the options that may be available to you.

Life Insurance

You work hard for all you have. A comfortable home. A car that suits your style. Quality time with the people you love. The list is as unique as your life.
Help protect what matters most – the people and things that make up your dreams – with life insurance from American Family Life Insurance Company.

American Family Life Insurance at a Glance

Life insurance helps give your family a financial foothold in the event of your death.

Term Life Insurance

•    Temporary protection to help with a mortgage or other temporary expenses
•    10-, 20- or 30-year level-premium coverage periods
•    No cash value

Whole Life Insurance

•    Premium guaranteed never to increase
•    Lifetime protection that builds cash value
•    Universal Life Insurance
•    Flexible premium
•    Flexible death benefit
•    Can be issued from birth to age 80
Be sure to ask about possible ways to save on your insurance premiums, including our Auto and Life Discount, available to qualified customers.

Why buy life insurance now?

You may qualify for a lower premium
Your life insurance premium is based, in part, on your age. The sooner you act, the sooner you can take advantage of a lower rate.

To plan for the future

Somewhere down the road, failing health could prevent you from qualifying for life insurance. The time to buy life insurance is while you are in good health.

Ready to begin?

Start with our Life Insurance Needs Calculator. The results can be a great discussion-opener when you meet with an American Family agent. Contact me today for a free, no-obligation life insurance consultation and quote.


It may be years away or just around the corner. In either case, how you’ll spend your retirement depends on how well you plan. American Family Insurance1 can help you prepare for your post-employment years with a variety of annuity products including deferred annuities, immediate annuities, individual retirement annuities (IRAs) and annuities for your retirement plan rollovers.

Business Insurance

Your business is important. To you. To your employees. To your customers. To your community. If you could no longer provide your products or services, the ripple effect would be felt far and wide. At American Family, we offer a variety of business insurance products, as well as some valuable services, to help protect your livelihood. The following offerings are available to our business customers:

Business Insurance Products

Businessowner Policy
Rental Dwelling Protection Program
Business Key Policy
Contractors Package Program
Business Auto Policy
Workers Compensation & Employers Liability Policy
Commercial Umbrella Policy

Businessowner Services

Loss Control/Safety Resources
Keeping your business safe for employees and customers.
Landlord Toolbox
Discounted tenant screening and landlord resources.
Business Accelerator
Free growth coaching for the small business owner.

Businessowners Policy

The American Family Businessowners Policy provides comprehensive insurance coverage for small businesses. This policy brings property, liability and loss-of-income coverage into a simple package to help protect your business. And our Businessowners Policy can be tailored to meet the specific needs of your business with customizable coverage options. For more information, contact your American Family Insurance agent and read our Business Insurance brochure.

Rental Dwelling Protection Program

As an independent landlord, American Family’s Rental Dwelling Protection Program provides you the coverage you need on one- and two-family rental units, at an affordable rate. As a rental dwelling policyholder, you also have access to a discount of almost 75 percent on unlimited tenant screenings through our partnership with Transunion, as well as property management resources such as sample forms and applications. For more information on our Rental Dwelling Protection Program, contact your American Family Insurance agent. And learn more about our landlord resources by visiting the American Family Insurance Landlord Toolbox.

Business Key Policy

Because every business is different, the American Family Business Key Policy is flexible, allowing you to pick and choose the insurance coverage your business needs. Choose from property, general liability, inland marine and crime coverages as well as many additional coverage options. For more information, contact your American Family Insurance agent and read our Business Key Policy brochure.

Contractors Package Program

The American Family Insurance Contractors Package Program is specially designed for artisan contractors with 10 or fewer employees. The program combines the two coverages you need most: Commercial General Liability and Contractors Equipment. The program is flexible, allowing you to include optional coverages (for example, building and business personal property, or installation floater) to best meet the needs of your business. For more information, contact your American Family Insurance agent and read our Contractor Package Program brochure.

Business Auto Policy

The American Family Business Auto Policy provides insurance for your business vehicles or fleets. Whether you use your company autos to meet with customers, make deliveries or provide services, a Business Auto Policy provides liability coverage in case of bodily injury or damage to someone else’s property, as well as collision and comprehensive coverage for your vehicles. In addition, our Business Auto Policy will cover any auto, hired or non-owned, being used to conduct business for you. For more information, contact your American Family Insurance agent and read our Business Auto Policy brochure.

Workers Compensation and Employers Liability Policy (not available in all states)

The American Family Workers Compensation and Employers Liability Coverage policy combines two separate coverages to meet the insurance needs created by workers compensation laws and regulations in each state.
For more information, read our Workers Compensation and Employer Liability Policy brochure.

Commercial Umbrella Policy

Our Commercial Liability Umbrella Policy is designed to give you added protection against the financial consequences of major accidents or incidents. It picks up where your underlying business insurance liability coverage ends, providing extra liability coverage over your primary limits. For more information, contact your American Family Insurance agent and read our Commercial Umbrella Liability Insurance brochure.

Farm & Ranch Insurance

You can’t predict weather, stolen machinery or cattle being struck by lightning. Such uncertainty is simply a way of life for farmers. This is why you need an insurance policy that’s a sure thing.

American Family Insurance offers a dependable policy that works as hard as you do. Based on the package policy concept, our plan lets you build a package of coverage that fits the special insurance needs of your farm or ranch.

What additional liability coverages are available with a Farm/Ranch policy?

The following additional coverages can be purchased with a Farm/Ranch policy:

Incidental Office – Provides liability and medical expense coverage for an eligible office, school or studio on your premises. (Mandatory, if exposure exists.)

Child Care by an Insured – Offers liability protection if you provide child care on your premises. (Mandatory, if exposure exists.)

Business Sales and Storage – Covers business activities and supplies related to eligible businesses.

Recreational Vehicle – Covers bodily injury or property damage arising out of the ownership, maintenance or use of a recreational vehicle. (Not available in Kansas or Idaho.)

Hunting or Fishing Liability – Offers liability protection if you lease your farm property to others for hunting or fishing purposes.

Personal Injury Coverage – This option provides liability protection for personal injury resulting from libel, slander, false arrest or invasion of privacy.

Rented/Leased Farmland – This endorsement provides coverage on up to 2,000 acres of rented or leased farmland, without building(s), used for farming purposes.

What steps can I take to prevent losses on my farm?

We have a variety of Farm and Ranch Loss Control resources to help you, your family and field workers stay safer to avoid losses.

For more information or to purchase coverage,
please contact your local American Family Insurance agent.

Giving the keys to your teenage driver is one of the most difficult things you'll ever do as a parent. While teens may drive safely when mom and dad are in the car, crash rates increase dramatically when they’re not.
Fortunately, the Teen Safe Driver Program SM is focused on reversing this trend. Through innovative technology and parent feedback, it’s helping teenagers become safer drivers by dramatically reducing risky behavior on the road.
And the best part is it’s absolutely free for American Family’s auto insurance customers.

to learn more.

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