Personal Insurance

HOMEOWNERS: Home insurance, also commonly called hazard insurance covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home.

AUTO INSURANCE: Vehicle insurance (also know as auto insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.

DWELLING FIRE: Protection against most risks to property, such as fire, theft and some weather damage.

MOTORCYCLE: Motorcycle Insurance is insurance coverage for motorcycle riders.

RECREATIONAL VEHICLES: Package policy that provides Property, Liability and Medical Payments coverage for losses arising out of the ownership, maintenance or use of recreational vehicles.

WATERCRAFT: Package policy that provides Property, Liability and Medical Payments coverage for losses arising out of ownership, maintenance or use of watercraft.

INLAND MARINE: Provides coverage for property that is mobile.  It does not necessarily have a home base.  The property, which is separately insured, receives direct physical loss minus exclusions coverage.  The items insured under an inland marine policy are listed on the policy and often insured for a specific amount.

UMBRELLA: An Umbrella Policy is a type of policy that provides broad coverage for an insured's liability over and above liability covered by an underlying contract.  May also cover losses that are excluded by the underlying policy. Available as personal or commercial insurance.