Personal lines insurance is any type of insurance coverage purchased by an individual to cover themselves and/or their families. Personal insurance lines make it possible to do things such as driving a car and owning a home without risking financial ruin. These policies protect against different kinds of personal risks that would lead to potentially crushing financial losses caused by fire, theft, natural disasters, death, accidents, lawsuits, and illness. From auto insurance to home insurance, we’re in the business of helping people protect what they value and have worked so hard to build.
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage. Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Coverages can include Motorcycle, Classic Car, Boat & Watercraft, RV & Motor Homes, Travel Trailers and Recreational vehicles.
Homeowners Insurance can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses. If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. Make an inventory of your home and personal belongings.
Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home. For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation. Your renters insurance policy also protects you and your family members against bodily injury and property damage liability claims and any litigation that may result subject to the limits you select. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault.
Landlord Protection Insurance
As a Landlord, get the right coverage to protect your rental properties. A rental property is a great investment, especially if you protect your assets with excellent coverage. Make sure that you and your property are covered when choosing a landlord protection insurance policy. Landlord Protection liability insurance options protect you and your spouse or domestic partner against personal injury, wrongful eviction, or wrongful entry as well as other non-bodily injury claims such as libel and slander. Many landlords supplement their coverage with personal umbrella liability insurance for broader protection. Talk to us today about the amount of coverage that’s right for you.
Your vacation property is an amazing getaway from the daily grind, but it comes with unique risks. Generally, there are two different types of vacation homes. A secondary home is one that you only stay in for short periods of time. A seasonal home is one where you may have a longer stay but only at particular times of year.The general principles of vacation home insurance are the same as homeowners insurance. However, there are two differences. One is that a vacation home is more likely to be unattended for extended periods, increasing the risk of burglary as well as both the risk of and potential damage from fires or flooding.
Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement. Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association. Various limits of loss assessment coverage are available. Be sure to consult the HOA agreement to determine the potential for such assessments. Your condo insurance policy also protects you and your family members against bodily injury and property damage liability claims and any litigation that may result subject to the limits you select.
Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. Most homeowner, condo and rental insurance policies do not cover damage caused by an earthquake, but coverage can be purchased as an endorsement or a separate policy. You may be able to choose to purchase earthquake insurance from the same company that provides your home insurance, from a specialized earthquake insurance provider, or from an independent organization. Earthquake insurance needs can vary significantly. Talk to us to find out how to get the best price and value on earthquake insurance for you.
Personal Umbrella Insurance
Personal umbrella policies are typically made excess of a person’s homeowner’s and automobile insurance. Coverage varies by the company. Customers are generally high-net-worth individuals.Umbrella policies tend to provide broader coverage over one or more primary policies, in that they usually lack “follow form” clauses, their definitions of what is covered may be broader than the definitions in the primary policies, and they sometimes lack exclusions used in underlying primary policies. When an insured is liable to someone, the insured’s primary insurance policies pay up to their limits, and any additional amount is paid by the umbrella policy.