We offer protection for you and your motor vehicles against financial loss if you have an accident or loss*.
- Antique vehicles and classic vehicles
- Utility trailers
- Vacation trailers/campers
*Personal items left in your vehicle at the time of a loss are rarely covered by your auto insurance. These items are usually covered by a property policy, i.e. homeowner, renters, condominium, etc.
Protection for you, your home, and your possessions against disasters. A standard policy insures the home and the things you keep in it and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
- Mobile homes
- Secondary residences
Inland Marine Insurance
A personal inland marine insurance policy is designed to protect specific property with broader coverage than a homeowner policy. Many of these items can be endorsed onto your homeowner policy with limits. However, there are situations when a stand-alone policy may better serve your needs.
These special policy floaters can cover a variety of items such as:
- Fine art
- Electronic equipment
- Hearing aids
- And more
Protection for you against financial loss if you have an accident or loss, and may include coverage for custom parts and accessories and roadside assistance.
- Sport bikes
- Touring bikes
- ATV, including side by sides
- Dirt bikes
- Motorcycle trailers
Recreational Vehicle Insurance
Protection for you if you have an accident or loss related to the following types of vehicles:
- Golf carts
An umbrella policy provides an extra layer of liability protection above your home, auto, motorcycle, motorhome, watercraft, and recreational vehicle insurance coverage. Umbrellas kick in after the liability insurance in your primary policy is exhausted.
Why should you carry umbrella coverage?
Liability insurance pays for expenses related to legal fees, medical expenses, and lost wages as the result of negligence. Typically, a personal liability umbrella policy is inexpensive compared to the amount of protection it provides. For as little as $150 per year, you can get $1 million additional coverage under an umbrella policy.
Be aware, there are some restrictions on what an umbrella policy may cover, such as claims related to a business and intentional acts. Minimum amounts of coverage should be met on home and auto policies before an umbrella policy is issued, but the extra coverage is important if you have assets you need to protect.
Protection for you and your watercraft against physical damage and liability losses.
- Boats and trailers
- Personal Watercraft (jet skis) and trailers
Dwelling Fire Insurance
The dwelling fire policy still has a place in property insurance, namely for landlords who don’t have any interest in insuring the “contents” of a particular dwelling. However, most insurers will offer a small amount of coverage for “contents” on this type of policy. Often, landlords may require a few thousand dollars to cover appliances they furnish to a renter.
The person(s) renting the dwelling (or apartment) should always purchase a renters insurance policy to protect their “contents” inside the dwelling. Believing your personal possessions are covered by your landlord’s insurance policy is a common insurance myth that leaves several thousand people without insurance for their destroyed belongings each year in the U.S.
Vacant properties are insured using the dwelling fire policy form as well. These properties are inherently more risky for an insurer, so the coverage they are willing to offer is more restricted – which is the dwelling fire form.
For the record, it is possible, but NOT recommended, to purchase a dwelling fire policy for a home you own and occupy as a primary residence. The coverage is usually a little more restrictive than the homeowner’s insurance policy that you should purchase in this instance.