The kitchen fire
A kitchen fire damages your home and you need to live elsewhere during repairs.
Homeowners coverage can pay for repairs and additional living expenses.
Personal Insurance
Personal insurance, for you and your family.
Our focus is commercial insurance, but we also place personal coverage for our clients and their families, so your home, vehicles and valuables get the same careful attention as your business.
Personal coverage we can place.
We shop personal lines across our carrier relationships and look for the gaps people often miss, like jewelry above a homeowners policy's special limits, a home-based business, or liability limits that haven't kept up with your assets.
Homeowners
Your home, other structures, belongings, personal liability and additional living expenses if you can't live at home after a covered loss.
Condo
The interior of your unit and improvements, belongings, liability and loss assessments, coordinated with the association's master policy.
Renters
Your belongings, personal liability and additional living expenses.
Landlord and rental homes
Homes and condos you rent to others: the dwelling, lost rental income and liability.
Personal auto
Liability, collision, comprehensive and uninsured motorist coverage for your household's vehicles.
Motorcycle, powersports and RV
Motorcycles, ATVs, snowmobiles, golf carts, motorhomes and travel trailers.
Boat and watercraft
Boats, personal watercraft and the liability that comes with them.
Personal umbrella
Additional liability limits above your home and auto policies.
Valuables (personal articles)
Scheduled coverage for jewelry, watches, art and collectibles, which homeowners policies often limit for theft.
High-net-worth homes
Higher-value homes, broader coverage and collections, often with specialized carriers.
Classic and collector cars
Agreed-value coverage for collector vehicles that are driven occasionally and well cared for.
Flood
Typically excluded from homeowners policies; available through the National Flood Insurance Program or private flood carriers.
Coverage descriptions are general summaries. Actual coverage is governed by the terms, conditions and exclusions of the policy issued. Availability varies by state and carrier.
Real-world examples
What a claim can look like.
Claims rarely look dramatic at the start. They usually begin with an ordinary day, an email or a phone call.
The new driver
A teen driver causes an accident with injuries.
Auto liability can respond, with a personal umbrella above it.
The missing ring
An engagement ring is lost on vacation.
A scheduled personal articles policy can cover loss of the ring at its scheduled value, which homeowners policies often limit.
Examples are illustrative. Whether a claim is covered depends on the facts and the terms, conditions and exclusions of your policy.
Questions
Common questions about personal insurance, answered.
Do you write personal insurance for anyone?
Our focus is commercial insurance, and we place personal coverage mainly for our business clients and their families. Reach out and we'll tell you honestly whether we're the right fit.
What is a personal umbrella?
A personal umbrella adds liability limits above your home and auto policies, protecting your assets from a large lawsuit.
Is my jewelry covered by homeowners insurance?
Homeowners policies usually cover jewelry, but often with a low special limit for theft. Scheduling valuable items on a personal articles policy provides broader coverage at their appraised value.
How much does personal insurance cost?
Personal insurance pricing depends on your home's rebuild cost and location, your vehicles and drivers, claims history, and the limits and deductibles you choose. Bundling policies with one carrier can help. We compare options across our carrier relationships so you see real prices for your business, not an average.
Talk to an advisor
Let's get this fitted properly.
Tell us about your business. A principal will review your needs, shop the market and walk you through the options in plain English.