Personal Insurance

  • Auto

    Whether it’s your first car of just adding to your collection, we have the right coverage for you.

  • Homeowners

    Your home is your second biggest asset. It is important your home is protected adequately.

  • Condominium

    Understanding Condo coverages is crucial when is comes to protecting what you have worked so hard for.

  • Renters

    Renters insurance includes 3 major components such as Personal Property, Liability, and Additional Living Expense for when losses occur.

  • Personal Articles Policy

    Protect your personal belongings from theft, loss, misplacement, and mysterious disappearance.

  • Rental Properties

    Providing other people the ability to rent a home is a lot of responsibility. Making sure your property has the right coverage is key.

  • Motorcycle

    Policy that provides coverage if your bike is damaged or stolen as well as financial protection should you be liable for someone else’s injuries and/or damages.

  • Recreational Vehicles

    Protection against damages or injuries that you may cause to others as well as damages to your vehicle in the event a covered loss occurs.

  • Boats

    Coverage for when you are on the water in the event damages or injuries occur as a result of a covered incident.

FAQs

Insurance policy are printed with a lot of insurance terminology which makes it a bit challenging to fully understand. Here are our most frequently asked questions:

  • The dollar amount that is deducted from a covered loss that you would pay out of pocket for. In auto insurance, you would see a deductible for collision and comprehensive coverages.

  • Liability coverage comes in two forms: Bodily Injury and Property Damage. If you are considered at-fault for injuries and/or damages, Liability coverage will pay for the expenses such as medical bills, property damages and may include legal defense costs.

  • Collision:
    When colliding with another vehicle or fixed object like a pothole, tree, fence, building, etc.

    Comprehensive:
    Also known as “Other than Collision” coverage; pays to repair or replace your vehicle if stolen or damaged by an unexpected event such as a tree branch falling on your car, a rock hitting and cracking your windshield, hitting an animal, vandalism, etc. Excluding anything pertaining to colliding with another vehicle or a fixed object.