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Personal Insurance

AUTO INSURANCE protects the policyholder against financial loss in the event of an incident involving a vehicle they own, such as in a traffic collision. Coverage typically includes property coverage, for damage to or theft of the car; liability coverage, for the legal responsibility to others for bodily injury or property damage; medical coverage for the cost of treating injuries.

 


HOMEOWNERS INSURANCE provides coverage for risks to the policyholder's property, such as fire, theft, or weather damage. A homeowners policy can include a home; detached structures, such as garages or storage buildings; personal belongings, including furniture, clothing, appliances and other household goods; loss of use, for living expenses when a home is damaged by a covered loss and is uninhabitable; personal liability that protects the policyholder against a claim or lawsuit if someone is injured or their property is damaged while at the policyholder’s home.

 


BOAT or MARINE INSURANCE covers the loss or damage of vessels at sea or on inland waterways.

 

 


JEWELRY INSURANCE covers valuables and offers repair or replacement for losses due to theft, damage, mysterious disappearance, or loss.

 

 


MOTORCYCLE INSURANCE encompasses motorcycles, scooters, mopeds, snowmobiles, ATVs, and golf carts and can include comprehensive; bodily injury and property damage liability; uninsured motorcyclist; medical pay; collision.

 


PERSONAL UMBRELLA POLICIES are usually made in addition to a person's homeowner and automobile insurance. Examples of liability that an umbrella policy may extend coverage over are a homeowner's policy, automobile policy, and, if desired, over a boat and or motorcycle policies.


 

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