Personal Insurance

We all live different lifestyles exposed to various types of risks. Why wait until an accident, burglary, or fire happens to figure out the best way to protect you and your family’s assets? 

Here is a quick guide to which policies might be important for you and your family:

Auto Insurance

Auto insurance provides coverage in the event of an auto accident, theft of your vehicle, vandalism, fire, and a few other causes of loss.   Auto insurance policies will provide a liability limit for any bodily injury or property damage to another person or their property that was caused by you.  The policy can also provide coverage if your vehicle is damaged as a result of an accident, fire, and a few other causes of loss.  You should consider this coverage if you own or lease a vehicle.

Homeowners Insurance

Homeowners insurance provides coverage for damage to your home, personal property, other structures on your property, and loss of use of your home.  Additionally, it provides personal liability coverage if someone were to be hurt while on your premises.  This coverage is only available if you own the home. 

Renters Insurance

Renters insurance is very similar to a homeowners insurance policy.  The major difference is that renters insurance does NOT provide any coverage for the actual structure.  That coverage needs to be carried by the property owner through a homeowners policy.

Personal Umbrella Insurance

A personal umbrella policy “sits on top of” the other underlying policies that you have - generally homeowners/renters and auto policies.  An umbrella policy is a cost effective way of providing high limits for a catastrophic claim.  Example: Your auto insurance limits are $300,000.  Your umbrella limits are $1,000,000.  You get into a serious auto accident where you are at fault and causes $700,000 in damages to the other party. Your auto policy will pay $300,000 and your umbrella policy will pick up the other $400,000.  If you did not have an umbrella policy, you would have to pay the $400,000 out of your own pocket.  Generally, umbrella policies are inexpensive for the limits that you get.  The annual premiums are generally less than $500.

Our team’s approach is NOT necessarily to find you the cheapest price.  We want to take the time to understand the assets you have, ask you which assets are most important to protect, and then provide you with the most competitive options to fit those needs.  We want you to ask us questions and trust our advice.  Our team’s goal is to be looked at the same way you might look at your doctor, lawyer, or accountant that you already trust.  

Additionally, our agency is independent.  We don’t just have one carrier that we work with.  We have MANY different insurance carriers and will take the time to understand what is important to you so that we can match you with the carrier that will meet those needs. 

While we work with many different types of families, we also work with two very competitive High Net Worth programs. If your home would cost more that $500,000 to replace (note: this is NOT what you could sell it for), call us to ask about our High Net Worth programs.