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Personal Lines
Services offered through our licensed property & casualty agents and affiliated brokers.
Homeowners
Homeowners insurance provides financial protection for homeowners against losses or damages to their homes, personal property, and liability for accidents that may occur on their property.
It typically covers:
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Losses from events such as fire, theft, windstorm, hail, and other perils as defined in the policy.
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Personal liability for accidents that happen on your property and medical payments for guests who are injured on your property.
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Protection for additional living expenses if the home becomes uninhabitable due to a covered loss.
This insurance is required by mortgage lenders as a condition for providing a loan for a home purchase.
Condo/Co-op
Condo insurance is designed for owners of condominiums. This typically covers damage to the owner's personal property and the interior of the condo unit. It may also provide liability coverage in case someone is injured while on the owner's property. However, it does not cover the exterior of the building or the common areas, which are typically covered by the condo association's insurance policy.
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Co-op insurance is designed for owners of co-operative apartments. Co-ops are different from condos in that the owner does not actually own the physical unit but rather a share in the corporation that owns the entire building. Therefore, co-op insurance typically covers the owner's personal property, liability, and any improvements made to the unit. The co-op corporation's insurance policy covers the building and common areas.
Renters
Renters insurance provides coverage for tenants who rent their homes or apartments. Renters insurance typically includes two types of coverage:
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Personal property coverage helps to replace or repair the tenant's personal belongings that have been damaged, destroyed, or stolen.
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Liability coverage, on the other hand, provides protection if someone is injured while on the tenant's property and the tenant is found to be legally responsible.
In addition, some renters insurance policies may also include additional coverage options, such as:
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Loss of use coverage, which provides reimbursement for additional living expenses if the tenant is temporarily displaced from their home due to a covered loss.
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Medical payments coverage, which pays for medical expenses for guests who are injured while on the tenant's property.
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Identity theft coverage, which provides protection against identity theft and helps cover the costs of restoring the tenant's identity.
Landlord
Landlord insurance is designed to protect property owners who rent out their residential or commercial properties to tenants. This provides coverage for the property owner against financial losses resulting from damages to the property, injuries to tenants or visitors, and other liability issues that may arise.
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Landlord insurance typically covers the following:
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Property damage: This includes damage to the building or structure of the property caused by events such as fire, weather-related incidents, or other covered perils.
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Liability coverage: This provides protection if a tenant or visitor is injured on the property, and the property owner is found to be responsible for the injury.
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Loss of rental income: If the property is damaged and uninhabitable, landlord insurance may provide coverage for the rental income lost during the time it takes to repair or rebuild the property.
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Legal expenses: If a tenant sues the property owner, landlord insurance may provide coverage for legal expenses, including attorney fees and court costs.
It's important to note that landlord insurance does not cover the personal belongings of tenants. Tenants are responsible for obtaining their own renters insurance to protect their personal property.
Auto
Auto insurance provides coverage for drivers against financial losses resulting from automobile accidents or other events that may damage the insured vehicle, injure others, or cause property damage.
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Auto insurance typically includes several types of coverage:
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Liability coverage: This provides protection if the insured driver causes an accident that injures someone or damages someone else's property. It includes both bodily injury liability and property damage liability.
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Collision coverage: This covers the cost of repairing or replacing the insured vehicle if it is damaged in an accident, regardless of who is at fault.
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Comprehensive coverage: This provides coverage for damage to the insured vehicle caused by events other than accidents, such as theft, vandalism, or weather-related incidents.
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Uninsured/Underinsured motorist coverage: This provides protection if the insured driver is involved in an accident with another driver who does not have insurance or does not have enough insurance to cover the damages.
In addition, auto insurance may also include optional coverage options, such as:
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Rental car reimbursement: This provides coverage for the cost of a rental car if the insured vehicle is in the shop for repairs following an accident.
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Roadside assistance: This provides coverage for services such as towing, jump-starts, and locksmith services if the insured vehicle breaks down.
Power Sports
Power sports insurance provides coverage for a variety of recreational vehicles, such as ATVs, dirt bikes, snowmobiles, and personal watercraft. This type of insurance is designed to protect the owner against financial losses resulting from accidents or other events that may damage the vehicle or cause bodily injury to the rider or others. The types of coverages are similar to Autos discussed above.
Fine Arts
Fine arts insurance provides coverage for high-value and collectible artwork, antiques, and other valuable items, that are not ordinarily covered by homeowners insurance policies. This type of insurance is designed to protect the owner against financial losses resulting from damage, theft, or loss of the insured items.
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Fine arts insurance typically includes several types of coverage:
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All-risk coverage: This provides protection for the insured items against all types of loss or damage, unless specifically excluded in the policy.
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Transit coverage: This provides protection for the insured items during transportation, whether by land, sea, or air.
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Storage coverage: This provides protection for the insured items while they are stored in a designated location, such as a warehouse or art storage facility.
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Exhibition coverage: This provides protection for the insured items while they are on display in a public exhibition or show.
In addition, fine arts insurance may also include optional coverage options, such as:
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Restoration coverage: This provides coverage for the cost of restoring or repairing damaged items.
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Pair and set coverage: This provides coverage for items that are part of a pair or set, ensuring that they are valued and covered as a whole, rather than individually.
Flood
Flood insurance provides coverage for property damage for property owners in flood-prone areas. Typical homeowners and renters policies do not cover extensive flood damage.
Flood insurance policies are typically offered through the National Flood Insurance Program (NFIP), which is run by the Federal Emergency Management Agency (FEMA). These policies provide coverage for both the structure of the property and its contents, up to a certain limit. The coverage limits for NFIP policies are typically $250,000 for the structure and $100,000 for contents, although higher limits may be available for an additional premium.
Flood insurance policies typically include several types of coverage:
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Building coverage: This provides protection for the structure of the property, including the foundation, walls, and roof.
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Contents coverage: This provides protection for the contents of the property, including furniture, electronics, and other personal belongings.
In addition, flood insurance may also include optional coverage options, such as:
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Increased cost of compliance coverage: This provides coverage for the cost of complying with local floodplain management ordinances or regulations following a flood.
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Replacement cost coverage: This provides coverage for the full cost of replacing damaged items, rather than just their current value.
Umbrella Liability
Umbrella liability insurance provides additional liability coverage beyond the limits of a standard insurance policy, such as homeowners or auto insurance. It is designed to protect individuals and their assets from financial losses resulting from lawsuits or other legal claims against them that exceed the limits of their standard insurance policies.
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For example, if a person is found liable for a car accident and the damages exceed the limits of their auto insurance policy, umbrella liability insurance can provide additional coverage to help pay for the damages. Similarly, if a person is sued for injuries sustained on their property, such as a visitor’s accident in a swimming pool or on a trampoline, and the damages exceed the limits of their homeowners insurance policy, umbrella liability insurance can provide additional coverage.
To make sure that there is no gap in coverage, the umbrella insurance company will specify the minimum coverages that the homeowners and auto liability policies must have.
Umbrella liability insurance typically provides coverage for a wide range of liabilities, including bodily injury, property damage, libel and slander, and other types of personal injury claims. It can also provide coverage for legal defense costs, which can be significant even if a claim is ultimately unsuccessful.