There are many kinds of Insurance that can fall under the header Personal Insurance - Home and Auto being the two most common.  In the most generic terms, Personal Insurance covers you in the event of an accident that results in property damage or bodily harm for which you, or your personal property, are found liable.  This coverage could include payment of medical bills, lawsuits, replacement costs, and more.  to learn more about the various types of Personal Insurance we offer, see the articles below.

 

Auto insurance

 

Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else. Auto insurance usually consists of the following protections:

 

• Liability

• Collision

• Comprehensive

But additional protection may include:

 

• Medical Payments

• Emergency Road Service

• Uninsured Motorist Protection

 

Homeowners Insurance

 

The policy protects your home and possessions within your home along with other structures such as non-attached garages, tool sheds, etc. Liability claims involving bodily injury, property damage and medical payments to non-household members who are accidentally injured on your property are also covered.

 

Your Home Is Important, Make Sure It’s Protected

What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?

 

These questions are crucial to address because major insurance carriers hold on new clients after a disaster strikes. More importantly, when you're facing a crisis, you’ll feel less pressure knowing your agent took the time to make sure you have the right protection.

 

Personal Umbrella Insurance

 

The Personal Umbrella Policy was designed to provide coverage in the event of a catastrophic claim, lawsuit, or judgment. Personal umbrella policies provide excess liability insurance over the insured’s basic primary policies, such as the homeowners, personal auto and boater’s policies.

 

Classic car insurance

 

Because the marketplace values classic and collectible cars differently, you will need a policy that provides different coverage than “regular use” drivers. Since classic and collectible cars often register as older vehicles, they aren’t evaluated at their true market value, according to standard insurance practices. So, if you have an accident, you could end up paying the difference out of pocket for repairs or replacements you’re not fully insured for.

We understand how much time and effort you put into your car. That’s why we offer specialized insurance for antique and classic cars, modified collector cars, reproductions, replicas, restorations, and modern classic cars.

 

With classics collectibles, one size does NOT fit all.

 

In the same way you’d customize your ride, you need a customized classic car policy, which takes into account the car's collectible value, the miles you drive each year, and many other personalized adjustments.

 

But unlike standard auto insurance policies, you only pay for what you need because you don't need full-time coverage. You may be surprised by how affordable coverage can be for the average classic and collectible car owner.

 

Boat Insurance

 

Typical coverages should include:

 

• Personal liability

• Boat

• Motor

• Trailer

• Medical and physical damage perils

 

Landlord Protection Insurance

 

 You want insurance that’s tailored specifically to protect your rental properties. A Landlord Protection policy gives you choices when purchasing the insurance coverage you need.

 

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.

 

Protect Yourself

 

Landlord 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.

 

Motorcycle insurance

 

 We insure a full spectrum of motorcycles from street cycles, Harley Davidsons, cruisers and touring bikes to dirt bikes and ATVs. We can even create a package for your auto insurance and motorcycle insurance to save you money

 

Why We're Different

 

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your personal insurance needs.

 

Contact us today, and we'll help you protect what matters most.