For All Your Personal Insurance Needs!
Personal lines insurance includes the coverage individuals and families need to safeguard their everyday lives. Whether you’re a homeowner, a driver, or simply looking to protect your financial future, these policies are designed to provide security against life’s unexpected events.
Homeowners Insurance!
Protect your home, belongings, and financial well-being from unexpected events.
Coverage highlights:
- Protection for your home’s structure and attached buildings - Coverage for personal belongings (furniture, electronics, clothing, etc.)
- Liability coverage if someone is injured on your property - Additional living expenses if you're temporarily displaced - Optional add-ons like flood, earthquake, or valuables coverage
Renters
Insurance!
Affordable protection for what matters most — even if you don’t own the property.
Coverage highlights:
- Replacement cost coverage for personal belongings
- Liability protection if someone is injured in your rental
- Coverage for theft, fire, vandalism, and certain water damage
- Additional living expenses if you’re unable to stay in your rental
- Optional protection for valuable items or identity theft
Auto Insurance!
Drive with peace of mind, knowing you're protected on the road.
Coverage highlights:
- Liability coverage for bodily injury and property damage
- Collision coverage for damage to your vehicle in an accident
- Comprehensive coverage for non-collision incidents (theft, weather, animals)
- Uninsured/underinsured motorist protection
- Medical payments or personal injury protection
- Roadside assistance and rental car reimbursement (optional)
Umbrella Insurance!
A powerful layer of extra protection beyond your standard policies.
Coverage highlights:
- Additional liability coverage beyond home, auto, or renters policies
- Protection against large lawsuits and legal claims
- Covers legal fees, judgments, and settlements
- Extends coverage to incidents not covered by base policies
- Ideal for high net-worth individuals or anyone with significant assets
Frequently Asked Questions (FAQs)
Do I need renters insurance if I don't own my own home?
Yes! Renters insurance protects your personal belongings and provides liability coverage in case someone is injured in your rental. It’s affordable and often required by landlords.
What’s the difference between collision and comprehensive auto coverage?
Collision covers damage from hitting another vehicle or object.
Comprehensive covers events like theft, fire, vandalism, or weather-related damage.
Is flood damage covered by homeowners insurance?
No — standard homeowners policies don’t include flood coverage. If you live in a flood-prone area, you’ll need a separate flood insurance policy.
How much auto insurance coverage do I really need?
At minimum, you need to meet your state’s legal requirements. However, higher liability limits and optional coverages (like collision, comprehensive, and uninsured motorist) can offer stronger protection.
How can I lower my insurance premiums?
You may qualify for discounts by bundling policies, maintaining a good credit score, installing home security systems, taking safe driving courses, or increasing your deductibles (if appropriate).
How often should I review my insurance policies?
It’s a good idea to review your coverage annually, or anytime you experience a major life change — like buying a new car, moving, renovating your home, or getting married.