Auto & Home- Personal Lines
  
We specialize in a wide variety of services and lines of coverage, including:
  
Automobile 
Home
An automobile insurance policy is designed to provide you with a level of protection against property, liability and medical costs if you are involved in an accident.
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
It’s prudent to get enough insurance to do the following:
  • Completely rebuild your house in the event it is destroyed by fire or other insured disaster
  • Replace everything in the house
  • Protect your liability in case someone is injured on your property and sues you
  • Consider additional coverages based on your unique risks such as the following:
  • Special floaters for jewelry, collectibles and expensive items
  • Extended or guaranteed replacement cost for the structure
  • Sewer and drain back-ups
  • An inflation-guard clause, which automatically adjusts annually to the construction costs in your area
  • Umbrella liability coverage for a pool or other high-risk items
  
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Renter's
Landlord's
Just because your landlord has coverage doesn’t mean that you do, too. In most cases, your landlord's insurance policy covers only structural damage to the building itself. If the structure goes up in flames, your landlord's coverage would include repairs to the building, but not reimburse you for your possessions.
Renters insurance provides protection against both property loss and liability in the event that you cause injury or property damage. To learn more about what that means, we’ve covered some basics about each.
  
Residential rental property insurance for landlords who rent one to four-unit occupied properties, from single family homes and condo units to duplexes and fourplexes. More than just protection from damage, it also protects you from certain types of liability unique to landlords, such as wrongful eviction and entry.

Whether you only need a landlord insurance policy with coverage for the most common types of losses or a comprehensive plan that offers more protection, We give you the flexibility to choose. We will help you make sure your residential rental property is properly protected.

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Personal Umbrella
Off-Road Vehicles
There’s nothing like the freedom you feel when riding but if you’re on the road, you’re at risk. To ensure you’ve got the coverage and financial protection you need, consider the following motorcycle insurance coverage options.
Liability Insurance Coverage
Required by most states, liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident.
Bodily injury liability - typically covers the other driver or your passenger’s expenses such as medical bills, lost wages, and pain and suffering.
Property damage liability - typically covers the expense of repairing damage to others’ property (vehicles, homes, fences, etc.).
  
If you are found to be legally responsible for injuring someone or damaging their property without a personal umbrella liability insurance policy, anything beyond the limits of your standard liability insurance coverage will come out of your own pocket. Standard liability insurance generally includes homeowners, renters, auto and watercraft policies.
A personal umbrella liability policy provides an extra layer of insurance coverage over your standard liability policies. It protects your personal assets by kicking in when your standard liability coverage is exhausted.
  
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