Personal Insurance

Homeowners - Homeowners insurance is designed for individuals who own and occupy their homes. This is a policy which packages the following insurance coverages: Property damage to your home and its contents (furniture, clothing, etc.); Outbuildings on your property; Additional Living Expenses (extra expense for Rent, Food Utilities; etc) if you cannot live in your home, because of covered damage; and your Personal Liability.

Property and Liability coverage may also be obtained for properties you own but do not occupy.  

Condominium/Co-op Owners - This insurance is designed for individuals who own and live in a condominium or co-op. This is a policy which packages the following insurance coverages: Property damage to that portion of the property for which you are responsible; Your contents; Additional Living Expenses (extra expense for Rent, Food, Utilities, etc.) if you cannot live in your home, because of covered damage; and your Personal Liability. You can also obtain coverage for Assessments by your Condominium/Co-op Association, for damage to common property.

Renters - Renters insurance is designed for individuals who rent their residence. This is a policy which packages the following insurance coverages: Property damage to your Contents; Additional Living Expenses (extra expense for Rent, Food, Utilities, etc.) if you cannot live in your apartment because of covered damage; and your Personal Liability.

Automobile - Automobile insurance is available for autos you own, rent or lease. You may also purchase coverage even if you do not own an automobile, but occasionally drive one. This is a package insurance policy, which covers your Personal Liability when using an automobile. Coverages may include: Medical Payments (for your passengers); Uninsured Motorist; Underinsured Motorist; Comprehensive (fire, theft, glass breakage, vandalism, flood, etc.); Collision (damage to your Auto in event of an accident); Towing; Rental Reimbursement; and other state specific requirements.

Other Vehicles - Insurance, similar to "Automobile Insurance" as described above, is available for the following types of vehicles:  

  • Motorcycle

  • All-Terrain Vehicle

  • Motor Home / RV

  • Snowmobile

  • Other

Personal Umbrella - This Liability policy provides additional coverage, above that provided in your Home, Auto and Boat policies. This policy is typically purchased by those individuals with higher incomes, and more assets at risk. This policy typically increases your primary policy Liability limit in optional increments of $1 million. These premiums are very affordable. 

Boat - This policy is designed for all types of watercraft, including boats with outboard engines, inboard engines, house boats, jet skis, sailboats, yachts, etc. If the boat is larger than 26 feet in length, or has an engine with more than 25 horsepower, it is normally not covered under a Homeowner policy, and a Boat owner policy is required. This policy can be written to cover your boat, fishing, skiing, communication equipment, etc., as well as any trailer used to haul the watercraft. Premiums are based on the type of boat, value, geographical area of use, and both the motor vehicle and boating experience of the operator(s). Coverages normally include: fire, lightning, wind, hail, explosion, earthquake, vandalism, malicious mischief, theft, collision, stranding, capsizing, sinking, etc.

Aircraft - This policy is designed for individually owned aircraft, used for pleasure, business or industrial aid. This is a package policy, offering coverage for: Your Personal Liability for passengers and others, and Damage to the Aircraft (hull) while on the ground and in-flight.

 
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