Personalized Insurance

These are just a few examples of the personal lines insurance coverages available. It’s important to customize your coverage based on your specific needs and circumstances. When purchasing insurance, always carefully read the policy documents and consult with an insurance professional to ensure you have the right coverage in place.

Auto Insurance:

• • Liability Coverage: Protects you if you’re at fault in an accident and covers bodily injury and property damage to others.
  • Collision Coverage: Pays for damage to your vehicle in the event of a collision with another vehicle or object.
  • Comprehensive Coverage: Covers damage to your vehicle from non-collision events, such as theft, vandalism, and natural disasters.
  • Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who has insufficient or no insurance.

Homeowners Insurance:

• • Dwelling Coverage: Protects your home’s structure from covered perils like fire, wind, and vandalism.
  • Personal Property Coverage: Covers your belongings, including furniture, clothing, and electronics.
  • Liability Coverage: Provides protection if someone is injured on your property and sues you.
  • Additional Living Expenses: Covers the cost of temporary living arrangements if your home is uninhabitable due to a covered event.

Renters Insurance:

• Personal Property Coverage: Covers your belongings from theft, fire, and other covered perils.
• Liability Coverage: Offers protection if you’re legally responsible for injuries to others or damage to their property.
• Additional Living Expenses: Pays for temporary housing if your rental becomes uninhabitable due to a covered event.

Umbrella Insurance:

• Excess Liability Coverage: Provides extra liability protection beyond the limits of your auto, home, or other insurance policies.
• Broad Coverage: Protects against various liability risks, such as personal injury lawsuits and property damage claims.

Personal Articles Floater:

• Scheduled Property Coverage: Provides additional coverage for valuable items like jewelry, art, antiques, and collectibles.
• Higher Coverage Limits: Covers items that might exceed the limits of standard homeowners or renters policies.

Boat Insurance:

• Hull Coverage: Protects your boat against damage or loss due to accidents, storms, and other perils.
• Liability Coverage: Covers injuries or property damage you cause to others while operating your boat.
• Additional Coverage: Offers options for coverage extensions, towing, and equipment protection.

Motorcycle Insurance:

• Liability Coverage: Provides protection for bodily injury and property damage to others in case of an accident.
• Collision and Comprehensive Coverage: Covers damage to your motorcycle in case of accidents, theft, and non-collision incidents.
• Uninsured/Underinsured Motorist Coverage: Protects you from uninsured or underinsured drivers.

Recreational Vehicle (RV) Insurance:

• Liability Coverage: Offers protection for bodily injury and property damage when using your RV.
• Comprehensive and Collision Coverage: Covers damage to your RV from accidents, theft, and other covered events.
• Personal Belongings Coverage: Insures your personal items inside the RV.