Personal Insurance

Residential luxury home

Personal Insurance Policies

Personal Auto Icon

Personal Auto

Designed to protect you and everyone who shares the road with you.

Personal Home Icon

Personal Home

Protecting your home and belongings from the unexpected.

Life Insurance Icon

Life

Cover you and your family in the case of a death.

Long Term Care Icon

Long-Term Care

Protects your loved ones when care is needed for a long period of time.

Renters Insurance icon

Renters

Coverage for your belongings when you don’t own the place you are living.

Frequently asked questions

What is homeowners insurance and why do I need it?

When unexpected things happen, homeowners insurance can protect you and your belongings. Homeowners insurance can help cover repairs, replacement, temporary housing, medical bills, legal fees, and more if your home is damaged, belongings are stolen, or there is an injury on your property. 

It is highly recommended and sometimes required, to have a homeowners policy if you own a home or condo. In some cases, you may need separate policies or coverage to ensure you’re protected from natural disasters such as floods, earthquakes, windstorms, or hail. 

What is auto insurance and why do I need it?

Auto insurance is designed to protect you and everyone who shares the road with you. Most states require that you have car insurance if you own a vehicle. Sometimes specific coverages or policy limits are required depending on your situation.

In short, if you were to cause an accident, you may be held responsible to cover the related expenses so it is a smart choice to ensure you are covered and have auto insurance.

What is umbrella insurance?

Umbrella insurance policies provide an extra layer of protection that steps in when your regular insurance policy simply isn’t enough. When claims costs exceed the limits of your home insurance or auto insurance policies, umbrella insurance helps protect you. An umbrella policy can also help cover defense costs if you are being sued for damages to someone else’s property or injuries caused to others in an accident. There is an umbrella policy for both commercial and personal insurances. Personal umbrella policies provide that extra layer of protection on their homeowners, personal auto, and boat policies. Commercial umbrella policies provide protection on the insured’s general liability, business auto, and employers’ liability insurance.

How do I file a claim?

If your business needs to report a loss, be sure to do so right away. Give us a call and we can direct and assist you through the entire process. 

Companies We Represent

AmTrust North America Logo
Auto-Owners Logo
BTIS Logo
CNA Logo
Copper Point Logo
CWS Logo
Hull & Company Logo
Liberty Mutual Logo
Midwest Family Mutual Logo
Nationwide Insurance Logo
Philadelphia Insurance Logo
Progressive Logo
RT Specialty Logo
Safeco logo
The Hartford Logo