PERSONAL LINES INSURANCE
Car, Home, Health and Life Insurance to Individuals and Families
Auto or vehicle insurance is a safety net that protects you against financial loss if you have an accident. It is a contract between you and your insurance company. In the event of an accident, you agree to pay the premium and the insurance company agrees to pay your losses as outlined in your specific insurance policy. Auto insurance provides property, liability and medical coverage.
Homeowners insurance is a type of property insurance that covers a private residence. Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of use, or loss of other personal possessions of the homeowner.
It is important to remember that flood losses are not covered by your homeowners insurance policy. Flood insurance policies cover physical damage to your property and possessions. Insurers will often refer to topographical maps that show lowlands, floodplains and floodways that are susceptible to flooding.
Sometimes specific coverage may not be enough. An umbrella policy is liability insurance that is in excess of specified other policies. It offers additional protection against losses if your primary policy’s limit runs out.
Marine or boat insurance covers the loss or damage of ships, cargo, terminals, and any transport or cargo by which property is transferred between the point of origin and a final destination. It provides protection for recreational boats, yachts and commercial vessels.
No matter how much you paid for your jewelry, insurance is a way of protecting its value. In the event of theft, lost or damaged jewelry, jewelry insurance reassures that you will not face an out of pocket loss.