Personal Insurance

Home insurance typically covers your dwelling, personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable.

Your coverage should reflect the cost to rebuild your home, not just its market value. We can help assess the right amount.

Bundling policies, increasing your deductible, and installing safety features can lower your premium.

Standard home insurance doesn’t cover floods or earthquakes. We offer flood insurance and earthquake insurance for additional protection.

Coverage can include liability, collision, comprehensive, uninsured motorist protection, and medical payments.

Maintaining a clean driving record, bundling policies, and choosing a higher deductible can reduce costs.

Policies with enhanced liability, medical coverage, and roadside assistance provide peace of mind for growing families.

New cars often benefit from gap insurance and comprehensive coverage for added protection.

Term life provides coverage for a set period, while whole life includes lifelong coverage with a cash value component.

Your coverage should be enough to replace lost income, cover debts, and secure your family’s future.

Yes, rates vary based on age, health, and policy type, but we work to find affordable options.

Some insurers offer policies for individuals with health conditions, though premiums may vary.

It locks in affordable rates and guarantees future insurability, even if health issues arise later.

Some whole life policies build cash value, which can be used for college expenses.

Policies are typically very affordable, with rates staying low when locked in early.

Some policies allow cash-out options or conversion into an adult policy.

It covers personal property, liability, and additional living expenses if your rental becomes unlivable.

Some landlords require it, but even if not, it’s highly recommended.

Consider the value of your belongings and potential liability risks.

Policies typically only cover the named insured, so roommates should get their own coverage.

It covers personal belongings, unit upgrades, liability, and loss of use if your condo is uninhabitable.

Yes, a master policy covers only the building’s structure and common areas, not your personal unit.

Some policies include loss assessment coverage, which helps pay special assessments levied by the HOA.

Your policy should be based on the value of your belongings and improvements made to your unit.

It includes liability, collision, comprehensive, uninsured motorist protection, and medical payments.

Yes, even if you store your bike in winter, coverage protects against theft, damage, and other risks.

Yes, bundling can lower your overall premium and simplify your coverage management.

Most policies include passenger liability, but additional coverage may be needed for full protection.

ATVs, UTVs, dirt bikes, dune buggies, and golf carts often require insurance for liability and damages.

Most home insurance policies exclude off-road vehicles, requiring separate coverage.

Yes, liability-only policies are available, but full coverage protects against theft and damage.

Some states require liability insurance for off-road vehicles, especially when used on public land.

Coverage includes liability, collision, comprehensive, personal belongings, and roadside assistance.

Yes, if your RV is motorized, liability insurance is mandatory in most states.

Yes, full-time RV policies provide extended liability and personal property coverage.

Some insurers offer seasonal policies, but maintaining coverage year-round protects against theft and weather damage.

Policies include liability, collision, comprehensive, and medical payments for injuries.

While not always required, insurance protects against theft and damage.

Yes, multi-snowmobile policies often offer discounts for additional units.

Trailers may require separate coverage, but some policies include optional trailer protection.

It includes physical damage, liability, medical payments, and towing assistance.

Some states and marinas require liability coverage, even for smaller vessels.

Yes, optional policies cover fishing gear, navigation equipment, and accessories.

Homeowners insurance offers minimal boat coverage, so a separate policy is recommended.

Vehicles typically must be at least 20-25 years old and maintained in good condition.

Yes, agreed-value policies ensure you receive the full appraised amount in case of total loss.

Most policies have mileage limits, as classic car insurance is designed for occasional use.

Some policies include coverage for aftermarket parts and restorations.

Coverage varies but typically includes accidents, illnesses, and sometimes routine wellness visits.

Yes, it helps manage unexpected vet costs, preventing financial strain during emergencies.

Most policies allow you to visit any licensed veterinarian.

Most insurers do not cover pre-existing conditions, but some offer exceptions after a waiting period.

It covers cancellations, lost deposits, vendor failures, and liability for injuries or damages.

Some venues require liability insurance, especially for alcohol service.

Yes, policies extend to domestic and international destination weddings.

Costs vary based on coverage levels, but basic policies start at an affordable rate.

No, flood damage is excluded from standard home insurance and requires a separate policy.

If you live in a flood-prone area or near a body of water, flood insurance is highly recommended.

Rates depend on your location, elevation, home structure, and coverage amount.

No, renters must purchase separate flood insurance for personal belongings.

No, it must be purchased as a separate policy or endorsement.

It covers structural damage, personal belongings, and temporary housing if your home is unlivable.

Homeowners in seismic zones or areas with frequent tremors should consider coverage.

Yes, most policies cover damage from aftershocks within a set timeframe after the initial quake.

It accounts for unique risks like transport damage, skirting, and tie-down requirements.

If you finance your home, your lender may require coverage.

It includes dwelling coverage, personal property, liability, and loss of use.

Yes, decks, carports, and sheds can be included in your policy.

In most cases, no—specialized sinkhole coverage is required.

Homeowners in areas with limestone bedrock or previous sinkhole activity should consider coverage.

It covers repairs to your home, foundation, and land stabilization efforts.

Some insurers offer endorsements, while others require a separate policy.

It includes landlord liability and loss of rental income, which homeowners policies do not cover.

Yes, standard policies often exclude short-term rental coverage.

Some policies offer landlord protection for tenant-related damages.

Vacant property insurance is often needed for extended vacancies.

Jewelry, fine art, antiques, musical instruments, and collectibles can be covered.

High-value items often require appraisals to establish insured value.

Only up to a limited amount—this policy provides broader protection.

Yes, coverage can extend to stored valuables.

Excess liability only increases existing policy limits, while umbrella insurance adds broader coverage.

Homeowners, landlords, and high-net-worth individuals benefit from extra liability protection.

It extends coverage for personal liability, property damage, and legal defense.

Yes, they can complement each other for maximum coverage.

It extends liability protection for home, auto, rental properties, and more.

Homeowners, landlords, and individuals with high-value assets benefit from extra protection.

Coverage typically starts at $1 million, but higher limits are available.

We help you find the best options by comparing policies from multiple providers.

It includes higher coverage limits, risk management services, and specialized asset protection.

Individuals with multiple properties, luxury vehicles, or valuable collections benefit from tailored coverage.

Yes, policies are highly flexible to protect unique holdings.

Many high net worth policies offer global protection.

It covers physical damage, liability, towing, and personal belongings onboard.

Some marinas and lenders require coverage, especially for high-value vessels.

Some policies include liability for paid crew members.

Yes, policies can extend to international waters.

No, separate policies are required for secondary properties.

If rented out, landlord insurance may be necessary.

Weather damage, vandalism, and extended vacancy risks require tailored coverage.

Yes, bundling may offer discounts.