Personal Insurance

Our personal insurance coverage options offer the peace of mind you need.

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HOMEOWNERS

Homeowners insurance is designed for individuals who own a home. Homeowners insurance is a policy which packages the following insurance coverages: property damage to your home and its contents (furniture, clothing, etc.); outbuildings on your property; additional living expenses (for rent, food, utilities, etc.) if you cannot live in your home because of covered damage; and your personal liability.
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Condo Owners

For those who own and live in a condominium, this is the right insurance option. Condo Owners Insurance is a policy which packages the following insurance coverages: property damage to that portion of the condominium which you are responsible for maintaining and repairing; your contents; additional living expenses (for rent, food, utilities, etc.) if you cannot live in your condo because of covered damage; and your personal liability. You can also obtain coverage for assessments by your condominium association for damage to common property.
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Renters

Renters insurance is designed for individuals who rent their residence. This is a policy which packages the following insurance coverages: property damage to your contents; additional living expenses (for rent, food, utilities, etc.) if you cannot live in your apartment because of covered damage; and your personal liability.
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Automobile

This policy is designed for automobiles owned by an individual. This coverage protects the driver for bodily injury and property damage liability for which they may be legally liable. Other coverages which can be provided include medical payments, uninsured motorists, collision, towing, rental reimbursement, etc. Premiums are based on the type of vehicle, usage, value, limits of coverage, and the driving record of all regular operators.
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Personal Umbrella

This liability policy provides additional coverage above that provided in your Home, Auto and Boat policies. This policy is typically purchased by those individuals with higher incomes and more assets at risk. The Personal Umbrella policy typically increases your primary policy liability limit by $1 million. The premium is usually $125-$175.
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Boat

This policy is designed for all types of watercraft, including boats with outboard engines, inboard engines, house boats, jet skis, sailboats, yachts, etc. If the boat is larger than 26 feet in length, or has an engine with more than 25 horsepower, it is normally not covered by a Homeowner policy, and a Boat owner policy is required. This policy can be written to cover your boat, fishing, waterskiing, communication equipment, and more, as well as any trailer used to haul the watercraft. Premiums are based on the type of boat, value, geographical area of use, and both the motor vehicle and boating experience of the operator(s). Coverages normally include: fire, lightning, wind, hail, explosion, earthquake, vandalism, malicious mischief, theft, collision, stranding, capsizing, sinking, and more.
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Aircraft

This policy is designed for individually owned aircrafts, used for pleasure, business, or industrial aid. This is a package policy, offering coverages for: your personal liability for passengers and others; damage to the aircraft (hull) while on the ground and in-flight.
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Farmowners

This policy is designed for individuals who own acreage and engage in some degree of farming or own livestock. This is a package policy, offering the following coverages: property damage to your home and its contents; storage buildings, barns, and other outbuildings and their contents; property damage to hay, feed, silage, and more; additional living expenses (for rent, food, and utilities) if you cannot live in your home because of covered damage; farm equipment and machinery; damage to your livestock, poultry and other animals; your personal liability; animal collision (with autos) liability. Optional coverages may include: animal mortality insurance, crop insurance, and more.
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