We offer a full line of insurance products that will protect your personal assets. You certainly do not have to be a millionaire to be sued like one, which is why we recommend you consider a Personal Umbrella policy. Some of the insurance products which will protect these assets you have worked hard for are listed below. Let us help you make sure you have the coverage and protection you need. Call us today!
Auto insurance provides a variety of coverages to protect your risks as a driver including liability protection, coverage for damage to your autos, and a variety of options such as New Car Replacement, loan/lease payoff (GAP) coverage, Roadside Assistance, Accident Forgiveness and more! We can help you select the coverage that best fits your needs.
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Homeowners insurance provides a means to not only protect your home and your possessions, but also includes liability coverage, which provides a defense for bodily injury or property damage arising out of your negligence. Many Homeowners policies now even provide coverage options for identity theft and equipment breakdown, Green Home options and more! Let us help you navigate the various coverage forms and options to build a policy that suits your coverage needs.
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Renters Insurance protects your contents and provides personal liability coverage, including defense, for bodily injury or property damage arising out of your negligence.
We are able to insure dwellings that are tenant occupied and provide landlord liability protection. If you own 10 or more dwellings we can even help you combine all of your dwellings and liability policies under a single policy.
Most homeowners policy contracts require the home be occupied by the homeowner and suspend coverage after 30 or 60 days of vacancy. We are able to provide a solution that insures your dwelling when it is vacant for sale or vacant for renovation.
Policies for mobile homes are designed slightly differently to accommodate the different set of risks they carry from being manufactured in a factory with lighter materials and transported to a location where they are typically tied down by ground anchors for stability. These policies assume the added risks and provide similar coverages for the mobile home, personal property and liability.
Do you have a passion for water recreation? We have products available to provide liability, medical and coverage for damage to your jet skis, boats, and yachts with a variety of endorsements including, but not limited to:
- Total Loss Replacement
- Disappearing Deductibles
- Replacement Cost for Fishing Equipment
- Replacement Cost for Personal Property such as water skis and marine electronics
- On water towing
- Wreckage Removal
- Fuel spill and wreckage removal
We can be your safe harbor by protecting these items so you can get back to the water in no time!
We have comprehensive programs with specialized coverages for nearly all of your recreational vehicles from pop-ups to coaches. Coverages can be tailor made to suite your individual needs
We have solutions to cover a variety of products under our policies including cruisers, sport bikes, touring bikes, dirt bikes, mopeds, scooters, ATVs, snowmobiles, golf carts– even custom motorcycles and motorcycles more than 25 years old.
Personal Article Floaters
Homeowner policies have limitations for theft of certain items such as jewelry, furs, fine arts, collectibles, musical instruments, etc. These tend to be high theft target items. We are able to schedule these items on a personal article floater either attached or detached from your Homeowners policy. In doing so we are able to provide you with broader coverages for misplacing or losing items and even eliminate your deductible.
You certainly do not have to be a millionaire to be sued like one, which is why we recommend you consider a Personal Umbrella policy. Umbrella policies cover over your underlying exposures such as autos, home, boats, rental dwellings, etc. providing an additional layer of liability protection which protects the assets and legacy you’ve worked so hard to build. Coverage starts at $1 million and can include defense outside of that limit. You can purchase this peace of mind for as little as $140 a year, depending upon your underlying exposures.