Homeowners

Homeowners insurance is designed for individuals who own their homes. This is a policy which packages the following insurance coverage: Property damage to your home and it’s contents (furniture, clothing, etc.); Outbuildings on your property; Additional Living Expenses (extra expense for Rent, Food Utilities; etc) if you cannot live in your home because of covered damage; and your Personal Liability.

Condo Owners

Condo Owners insurance is designed for individuals who own and live in a condominium. This is a policy which packages the following insurance coverage: Property damage to that portion of the condominium which you are responsible for maintaining and repairing; Your contents; Additional Living Expenses (extra expense for Rent, Food, Utilities, etc.) if you cannot live in your home because of covered damage; and your Personal Liability. You can also obtain coverage for Assessments by your Condominium Association, for damage to common property.

Renters

Renters insurance is designed for individuals who rent their residence. This is a policy which packages the following insurance coverage: Property damage to your Contents; Additional Living Expenses (extra expense for Rent, Food, Utilities, etc.) if you cannot live in your apartment because of covered damage; and your Personal Liability.

Automobile

Automobile insurance is available for autos you own, rent or lease. You may also purchase coverage even if you do not own an automobile, but occasionally drive one. This is a package insurance policy, which covers your Personal Liability when using an automobile. Optional coverage include: Medical Payments (for your passengers); Uninsured Motorist; Underinsured Motorist; Comprehensive (fire, theft, glass breakage, vandalism, flood, etc.); Collision (damage to your Auto in event of an accident); Towing; Rental Reimbursement; and others.

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.

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 under a Homeowner policy and a Boat owner policy is required. This policy can be written to cover your boat, fishing, skiing, communication equipment, etc., 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 operators. Coverage normally includes: fire, lightning, wind, hail, explosion, earthquake, vandalism, malicious mischief, theft, collision, stranding, capsizing, sinking, etc.

Aircraft

This policy is designed for individually owned aircraft, used for pleasure, business or industrial aid. This is a package policy, offering coverage for: Your Personal Liability for passengers and others and Damage to the Aircraft (hull) while on the ground and in-flight.

Farm Owners

This policy is designed for individuals who own acreage, and do engage in some degree of farming or own livestock. This is a package policy, offering the following coverage: Property damage to your Home; it’s Contents; Storage buildings, Barns and other Outbuildings and their contents; Property damage to hay, feed and silage, etc.; Additional Living Expenses (extra expense for food, rent 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 coverage may include: Animal Mortality insurance; Crop insurance; etc.