Personal Lines Insurance Coverage
- Homeowners Policy: A package of insurance providing home owners with a broad range of property and liability coverages.
- Automobile Liability Insurance: Protection for the insured against financial loss because of legal liability for car-related injuries to others or damage to their property.
- Automobile Physical Damage Insurance: Coverage to pay for damage to or loss of an insured automobile resulting from collision, fire, theft, or other covered losses.
- Earthquake: Earthquake insurance is an additional coverage added to a homeowner’s insurance policy. This coverage protects the policy holder in the event of an earthquake-related loss.
- Flood Insurance: Coverage against loss resulting from flood peril, widely available at low cost under a program developed by the private industry and the federal government.
- Umbrella Liability: Insures losses in excess of amounts covered by other liability insurance policies; also protects the insured in many situations not covered by the usual liability polices.
- Inland Marine Insurance: A broad form of insurance, generally covering articles in transit as well as bridges, tunnels and other means of transportation and communication. Besides goods in transit (generally excepting trans-ocean), it includes numerous "floater" policies, such as those covering personal effects, personal property, jewelry, furs, fine arts, and other items.
- Recreational Vehicles: The same financial consequences as those covered in auto insurance policies: damage to vehicle or property, theft, vandalism, injury to the insured or other people, personal liability, and/or accidents with uninsured or underinsured drivers.
- Antique Automobiles: Coverage on vehicles at least 25 years old and used solely for investment, hobby, or exhibition. Agreed value with appraisal and photos. Spare or replacement parts can be covered on request.
- Boat Owners Package Policy: A special package policy for boat owners that combines physical damage insurance, medical expense insurance, liability insurance, and other coverages in one contract.
- Special Event Insurance: Liability coverage for risks or hazards of a special or unusual nature.
- Vacant homes: Special protection plan for homes that are unoccupied.
