Personal Lines

Your home is one of your most valuable assets. Homeowners insurance helps protect your property, personal belongings, and liability exposure in the event of unexpected events such as fire, theft, storms, or accidents on your property.

Condominium insurance is designed for condo owners and helps protect the interior of the unit, personal belongings, and liability exposures. Since condominium associations typically insure the building structure, a condo policy helps fill the gaps by covering items such as interior improvements, personal property, and personal liability.

Renters insurance provides protection for individuals who rent their home or apartment. While a landlord’s insurance typically covers the building itself, renters insurance helps protect personal belongings, provides liability coverage, and may also help cover temporary living expenses if the rental becomes uninhabitable due to a covered loss.

Rental property insurance is designed for property owners who rent out homes, apartments, or other residential properties. It helps protect the structure, loss of rental income, and liability exposures associated with owning rental property.

Standard homeowners insurance policies typically do not cover damage caused by earthquakes. Earthquake insurance helps protect your home and personal property from damage resulting from seismic activity, providing important financial protection for homeowners in earthquake-prone areas.

Flood insurance helps protect your home or business from damage caused by flooding, which is typically not covered under standard homeowners or commercial property insurance policies. Coverage can help pay for damage to the structure and certain personal belongings caused by rising water from storms, heavy rainfall, or overflowing bodies of water.

Auto insurance provides financial protection if you are involved in an accident, your vehicle is damaged, or someone is injured. We help clients select the right coverage options to protect both their vehicles and their financial well-being.

Motorcycle insurance provides protection for your bike as well as liability coverage in the event of an accident. Coverage options can include protection for the motorcycle itself, liability for injuries or property damage, and additional options for accessories and custom parts.

Motorhome insurance is designed specifically for recreational vehicles that combine transportation and living accommodations. Coverage can include protection for the vehicle, personal belongings inside the motorhome, and liability coverage for situations that may occur while traveling or parked at a campsite.

Recreational vehicle insurance provides coverage for vehicles used for leisure activities such as travel trailers, fifth wheels, campers, and other recreational units. Coverage can help protect the RV itself, personal property inside the unit, and liability exposures that may arise while using or occupying the vehicle.

Boat and watercraft insurance provides protection for boats, jet skis, and other personal watercraft. Coverage can help protect the vessel itself, provide liability protection if someone is injured or property is damaged, and may also include coverage for equipment and personal property while out on the water.

Classic and collector car insurance is designed for vintage, antique, or specialty vehicles that are not driven on a daily basis. These policies typically offer agreed value coverage and specialized protection tailored to the unique needs of collectible vehicles.

Personal articles insurance provides specialized coverage for valuable items such as jewelry, watches, fine art, collectibles, and other high-value possessions. This coverage helps protect these items against risks such as loss, theft, or damage that may not be fully covered under a standard homeowners or renters policy.

Umbrella insurance provides an additional layer of liability protection above your home and auto policies. This coverage can help protect your assets in the event of a major claim or lawsuit.