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Personal Insurance

Homeowners Insurance

A package policy for dwelling and contents risks combining fire and other coverages with personal liability insurance for homeowners. There are different homeowners forms, varying in extent of coverage and cost.

Automobile Insurance

Insurance pertaining to the ownership, maintenance, or use of automobiles. It usually includes protection for losses incurred through Legal Liability for bodily injury and damage to property of others caused by accidents arising out of ownership, maintenance or use of an automobile. May also include Physical Damage insurance covering loss or damage to the policyholder's automobile. Medical Payments is another optional coverage under an automobile liability policy that pays the medical expenses of the policyholder and any of insured vehicle's passengers injured by the insured automobile, regardless of who was responsible for the accident. It may pay the medical expenses of the policyholder and members of the immediate family injured while passengers in any other automobile or when struck by an automobile.

Boats & Yachts

An Inland Marine or Ocean Marine policy designed to optionally provide coverage for hull damage, and sometimes equipment if requested. The policy may also provide liability for other damaged property and may cover Bodily Injury to Crew, Passengers, and 3rd parties.