Personal Lines


Personal Lines Information

Our job is to protect you from the unexpected.  Our Personal Insurance Team takes the time to listen to you, understand your goals and educate you on your options to build a plan that fits your life, your family and your budget. This specialized team is what sets us apart from other agencies – it means you’ll be working with someone who has the experience and the knowledge to help make sure your policies cover exactly what you want them to.

There’s more to insurance than the price of the policy.

You work hard for your home so we’ll work hard for you… getting to know you, understanding your unique needs and helping you plan for the unexpected so when something goes wrong, your coverage goes the distance.  Let’s make sure you don’t have any gaps in coverage that may leave you and your family exposed to the many risks involved with home ownership.  

Flood Coverage


Risk Factor

When severe weather and damaging storms hit, you may find yourself experiencing the unfortunate and devastating effects of flood damage… even if you don’t live near a lake, rive or other body of water.

Solution

Purchase a separate flood insurance policy to protect your home and covered contents from certain types of flood losses such as heavy or prolonged rain, melting snow, blocked storm drainage systems or other similar causes.

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Water Back-up


Risk Factor

It’s been raining for days and your sump pump goes out. The water backs up and floods your basement, damaging your rec room and the contents stored down there.

Solution

Make sure your homeowners policy includes a Water Back Up/Sump Pump Overflow endorsement which offers coverage if water backs up or overflows from a sewer, drain or sump pump. A range of coverage limits are available.

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Secondary Home


Risk Factor

Owning a secondary home potentially increases your liability exposure.

Solution

You will want to expand the liability coverage under your homeowners policy to include your secondary home. To provide additional liability limits, you may want to include your secondary home under an umbrella or excess liability policy.

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Valuable possession insurance (jewelry/fine arts/collectibles/wine collection)


Risk Factor

If your diamond wedding ring goes missing or your vintage guitar is damaged, your standard homeowners policy may not cover your loss. While most homeowners policies do include some coverage for your personal belongings, they may not cover the full value of your more expensive or valuable belongings.

Solution

You will want to consider adding a Valuable Possession Insurance policy to cover personal belongings that cannot be replaced, have a unique value, or are subject to special types of losses such as breakage or mysterious disappearance.

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Umbrella or Excess Liability Coverage


Risk Factor

Your kids have friends over for a pool party and one of them dives into the bottom of the pool causing significant injury. Your family dog bites a visitor to your home causing injury. You’re responsible for an accident that permanently disables the other driver. All tragedies we hope will never happen, but also all scenarios in which you and your family could be left financially responsible for.

Solution

An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your existing home, auto, boat and other personal exposures, giving you a large additional layer of liability insurance… and peace of mind.

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Medical expenses


Risk Factor

If a guest is injured while on your property, even if it’s due to your kid’s friendly game of basketball in the driveway, you may be required to pay any medical expenses surrounding their injury.

Solution

For injuries and treatment generally not of a serious nature, your homeowners policy typically includes medical expense coverage. If someone should be injured on your property and require medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. A liability claim is usually not filed against you when such medical expenses are paid.

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Personal Liability


Risk Factor

In the unfortunate event that someone slips and falls while on your property or your child accidently throws a ball through the neighbor’s window breaking an expensive television, you may be held responsible for the injuries or damages incurred.

Solution

Your homeowners policy includes personal liability coverage – often only up to a specific limit – to cover incidents where injuries or damages occur to a third party where you may be deemed negligent. If you feel you need more protection, higher limits are available. Or you may want to consider purchasing a personal umbrella or excess liability policy to provide extra coverage limits.

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Personal Property/Contents – Property Damage


Risk Factor

Should your home suffer a fire, theft or other unexpected event, your appliances, furniture, electronics, clothing and other personal items may be stolen, damaged or destroyed.

Solution

Your standard homeowners policy generally covers personal property, including the contents of your home – any personal items owned by the family members living in your house (essentially anything that is moveable.) What you want to make sure is that your policy includes replacement cost coverage for personal property to ensure you receive the full cost of replacing the item(s) that were lost or damaged.

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Additional Living Expense / Loss of Use


Risk Factor

If your home undergoes significant damage due to fire, severe storm or other unexpected events, you may not be able to live in your home until repairs are made. In which case you may incur additional living expenses for temporary housing, food, etc.

Solution

Check to be sure your homeowners policy provides loss of use or additional living expense coverage to compensate you for any additional housing costs incurred if a covered event warrants your house uninhabitable during repairs.

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Off-Premises Theft


Risk Factor

You discover someone stole the new TV you just bought right out of the backseat of your car. You son’s laptop was stolen from his dorm room while he was in class.

Solution

Off-Premises Theft coverage is an endorsement that can be added to your homeowners policy, covering theft of your personal property while it’s away from your residence.

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Fire


Risk Factor

If your home were to suffer a fire, will insurance coverage adequately replace your home and its contents? Keep in mind the inflation rates on construction costs and building materials… and how they are hardly in line with real estate values. Which means rebuilding your home could cost significantly more than anticipated.

Solution

To protect you when the cost to rebuild your home is higher than your current limit of coverage, make sure your homeowners policy includes guaranteed replacement cost coverage. That means your insurance covers the full cost of replacing damaged property, with no deduction for depreciation.

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Renters Insurance


Risk Factor

Your landlord may have insurance that protect the structure of the building you live in, but did you know the policy doesn’t cover your personal property?

Solution

Whether you rent an apartment, condo or house, protect yourself and your belongings with renters insurance to cover damage or loss from theft, fire, certain types of water damage and more. Consider liability coverage that could cover accidental damage you make to the rental property or protect you should a guest injure themselves at your apartment.

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Identity Theft Coverage


Risk Factor

Odds are you or someone you know has fallen victim to identity theft. It’s downright scary to think about how much damage it can do to your credit, your bank account and your stress level. When someone uses information about you without your permission, it will take time and money to straighten things out.

Solution

Many homeowner policies have the option of adding Identity Theft Protection to your coverage, typically for a very nominal additional premium. This protection covers expenses incurred while trying to restore your financial identity: the cost of legal fees, lost wages for time spent resolving the issue, and other related costs.

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