PERSONAL
Personal Insurance Products

Personal Insurance products provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverage's. How we serve you is as important as what we provide. First, we listen to you... we discuss your needs and answer your questions. Next, we look at both your short-term and long-term objectives and help put your insurance and planning needs in perspective.

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This coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and some coverage is required by most states.

The second part covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverage's which vary by state.

Utilizing high deductibles on the physical damage coverage's can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance.

Motorcycle insurance is a way of sharing the risks of driving between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected.

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/Watercraft

Can you be sure all boaters on the water today are as safety conscious as you? And could you afford out-of-pocket expenses of $4,500 or more? That’s just the average cost for a boating accident. Now is the time to give serious consideration to protecting yourself, your passengers and your property in case you’re ever involved in a boating accident.

What does boat insurance cover? Insurance needs differ depending on the type of boat or watercraft you own. Basically, boat insurance protects you against accidents, vandalism, and insures you against liability.

As much as you expend efforts to purchase your dream Recreational Vehicle, it is important to select appropriate Recreational Vehicle insurance policy. Legally speaking, you are required to have a certain minimum amount of coverage when you have your Recreational Vehicle registered.

However, there are many insurance policies to ensure that your Recreational Vehicle obtains maximum coverage and protection. It is important to choose a policy that incorporates the recreational value of your Recreational Vehicle and does not treat it as another automobile.

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/Home%20Owners

If you have tangible assets, you need the protection of a homeowner’s policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowner's policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way -- unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier not you in the event of a loss.

Your condo is probably the single most important investment you have. So you want the best protection at a reasonable cost. With our policy, you'll get broad coverage for your condo and personal belongings. . . even your boat! And take advantage of special safety discounts, too.

For just pennies a day, get special protection for valuable items, electronics and more. You can also combine your condo and auto insurance into one package that can save dollars, while providing extra coverage.

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/Renters

As a renter, you need to protect your personal property against theft and damage. Our renters insurance is hard to beat for convenience and value. Plus, we'll assure you the peace of mind you need for your valuable items and electronics.

You don't have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.

Umbrella policies offer inexpensive "peace of mind" for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor's child drowning in your pool or the delivery man being seriously injured by falling over your child's toys.

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