Personal Insurance
Families come in all shapes and sizes… some are LARGE and some are small… they may have a boat, a motorcycle, a cabin, a teenager… or two. Whatever the differences, each has one thing in common… the need for adequate insurance coverage.
We understand the importance of a comprehensive approach to a personal insurance policy – after all we have families too. We take the time to understand your situation and review your insurance needs… avoiding gaps that traditional one-size-fits all policies may not consider. We offer you the peace of mind that comes from knowing that you have the right protection, at the right price for every person and event in your life.
Your insurance product will only be as good as the communications maintained between you and your insurance agent. It is important that we be advised of any changes in your operations which may have a bearing on the validity of your insurance.
Coverage for You and Your Family
Homeowner
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
Personal Auto
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
Personal Umbrella
Personal Articles Floater
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
Flood
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
Motorcycle
Recreational Vehicle
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
Watercraft
Watercrafts insured include the following:
- Bass Boats
- Fish and Ski
- Cabin Cruisers
- Sailboats
- Pontoons
- Jet Boats
- Ski Boats
- Runabouts
- Jon Boats
- Personal Watercraft
Condominium
Rental
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.