Personal Insurance

Homeowners’ Coverage has long been available to provide all of the essential property and liability insurance for owners of homes and tenants of residential buildings. Homeowners’ policies are designed for the owner-occupant of a home to cover the dwelling building, personal possessions other than automobile and certain specifically excluded items, and personal liability.

An elective combination of coverages for the risks of owning a home can include losses due to fire, burglary, vandalism, earthquake, and other perils.

A Few Types of Coverage Offered:

• Broad Coverage covers a dwelling, related private structures, personal property on and away from the premises, and additional living expense and rental value against loss. Personal liability insurance, including medical payments coverage and damage to property of others coverage, completes the package.
• Comprehensive Coverage insures against risks of direct physical loss to covered structures and personal property. The protection is subject only to the exclusion of named sources of loss. This type of coverage also includes liability protection, including medical payments and physical damage to property of others.
• Modified Coverage is available to provide limited coverage on a package basis for older dwellings, and for insurance buyers who judge its protection more practical for their needs. Dwelling coverage is on an actual cash value basis and a set limit (such as $2,500) for theft coverage, subject to deductible, is confined to the premises. Liability coverage is included.

Additional Coverages Offered:

• Home Based Business
• Special Loss Settlement
• Inflation Guard

Any kind of insurance pertaining to the ownership, maintenance, or use of automobiles. Some may be required by law and others are optional.

A Few Types of Coverage Offered:

• Personal Auto Policy provides protection under four coverage parts. Liability Coverage is a single-limit and protects the insured against most auto-related lawsuits. Medical Payments covers expenses incurred by an insured within three years from the date of an accident. Uninsured Motorists Coverage and Underinsured Motorists Coverage must be offered in most states based on state mandate and may not be rejected in many states. Physical Damage Coverage is a single insuring agreement with both comprehensive and collision coverage.
• Auto Medical Payments Coverage reimburses insureds for any medical and/or funeral expenses arising out of accidents occurring while they are in or are entering/exiting a vehicle.
• Liability Coverage insures against third-party claims arising from alleged bodily injury or property damage to members of the public from operations of motor vehicles.
• Collision Coverage insures the owner against loss from collision or upset of motor vehicles.
• Comprehensive Coverage insures vehicles against loss caused “other than by collision,” including fire, windstorm, flood, vandalism and theft.

Additional Coverages Offered:

• Antique and Classic Auto
• High Performance & Sports Cars
• Liability Excess Indemnity

A form of coverage protecting policyholders for claims in excess of the limits of their primary automobile, general liability and workers’ compensation policies, and for some (few) claims excluded by their primary policies which are subject to a deductible. We will work with you to determine if you are in need of this extra layer of protection.

Worldwide coverage on an “all-risk” basis for scheduled, valuable personal property, like jewelry or furs. This type of coverage is ideal for more valuable items that exceed a homeowners policy. We can help to make sure your items are insured and appraised to true value.

Consider These Valuable Items:

• Jewelry and engagement rings
• Silverware, china and crystal
• Antiques
• Fine Art
• Stamp and coin collections
• Bicycles
• Sound equipment (recorders)
• Sports equipment (archery, camping, fishing, skiing)
• Cameras
• Computers
• Musical instruments
• Golf Equipment
• Furs
• Guns
• Pedigreed dogs
• Garden tractors
• Political campaign collections

This covers against damage done by the rising or overflowing of bodies of water. Flood insurance is available from the federal government under the National Flood Insurance Program but is sold by licensed insurance agents.

A Few Types of Coverage Offered:

• Building Property Coverage insures against the direct loss of building property by flood or from flood.
• Personal Property Coverage insures against direct physical loss by or from flood to personal property inside a fully enclosed insured building.
• Increased Cost of Compliance Coverage pays you to comply with State or local flood plain management law or ordinance affecting repair or reconstruction of a structure suffering flood damage.

Additional Coverages Offered:

• Debris Removal
• Loss Avoidance Measures – Sandbags, Supplies, and Labor / Property Removed to Safety
• Pollution Damage

Owning a motorcycle is all about hitting the open highway. At Allegheny Insurance we help to make this experience liberating and easy. There are many types of coverage available, but the most basic covers physical damage and/or liability specifically to cover the exposures of motorcycles, motor scooters and motor bikes. In dealing with only the most highly respected insurance companies, we are able to offer our clients coverages, which are unique to motorcycle risks.

Owning a motor home, camper or other recreational vehicle can be your home away from home when traveling. At Allegheny we will find the policy that best meets your needs, so you are better prepared for the unexpected.

A Few Features of RV Coverage:

• On the Road Coverage
• Emergency Assistance Coverage
• Winter Storage
• Bodily Injury Protection
• Property Damage Liability
• Medical Payments
• Collision
• Towing & Labor

No matter the circumstance it pays to be insured when on the water too! Whether you’ve been injured by an uninsured boater or your personal watercraft was stolen we will match your unique needs with those of our carriers to find the best company to partner you with to insure your boat, jet ski or other watercraft.

Watercrafts insured include the following:

• Bass Boats
• Fish and Ski
• Cabin Cruisers
• Sailboats
• Pontoons
• Jet Boats
• Ski Boats
• Runabouts
• Jon Boats
• Personal Watercraft

This is the individual ownership of a single unit in a multiple-unit building or group of buildings, together with a percentage interest in that part of the total property owned jointly by all unit owners. In an apartment building, each apartment would be a unit and the stairways, pathways and parking areas would be in common ownership. We are a licensed Surplus and Excess lines broker, which allows us to provide your condominium insurance with a broad array of carriers.

When you own a rental property, a package of property and liability coverages are available to protect physical damage loss to owned contents. Endorsements are available to add or increase coverages, much the same as a homeowners policy.

Additional Coverages Offered:

• Rental dwelling
• Personal property in the rental dwelling
• Rental value and additional living expense, in the event covered damage makes the rental dwelling unfit for normal use.

A policy designed to meet the needs of mobile home owners or occupants instead of a site-built home, covering physical damage to the home, contents and personal liability while the home is used as a permanent residence. Private structures and additional living expense against loss by fire and other specified causes of loss including theft are available as well. Personal liability insurance, including medical payments coverage and damage to property of others coverage, completes the package.