Personal Insurance
We will make sure you sleep peacefully with our broad range of personal coverage options.
Homeowner Insurance
Provides protection for your most valuable asset.
- Dwelling, Personal Property and Additional Living Expenses.
- Personal Liability and Medical Payments.
- High Value Homes including those near the coast.
- Collections- High Value Items including Jewelry, Furs and Fine Arts.
- Antique Homes.
- Condominium Unit-Owner’s Insurance.
- Renter’s Insurance.
Auto Insurance
Protects you and your assets in case of loss, injury or damage.
- Liability – in the event you damage someone else’s property or injure someone.
- Collision – in the event your car is damaged by a collision.
- Comprehensive – if your car is damaged by anything other than collision including a deer strike.
- Uninsured/Underinsured Motorist Protection – in the event you are injured by someone who does not carry insurance or has insurance that is insufficient to pay for the injuries sustained.
- Medical Payments – optional coverage for you and your passengers, regardless of fault.
- Towing & Rental Reimbursement – optional if your car needs to be towed or if you need to rent a car due to a covered loss.
- Classic car insurance available.
Umbrella Insurance
Protects your assets with an additional layer of protection.
- Liability limits available from $1 million to $5 million.
- Additional limits available up to $50 million.
Yacht Insurance
Provides comprehensive coverage for your watercraft.
- Watercraft and Equipment coverage – agreed value and replacement cost available.
- Watercraft Liability – in the event you damage someone else’s watercraft or cause injury.
- Personal Effects – covers your personal property on the watercraft including fishing equipment.
- Medical Payments – provides medical expenses incurred to you and your passenger’s.
- Uninsured Watercraft – coverage in the event you are injured by an uninsured operator.
- Towing & Assistance – covers towing of the watercraft or delivery of fuel, oil etc.
Flood Insurance
Provides protection in the event of “rising waters”.
- This coverage is excluded from a homeowner policy.
- Building coverage up to $250,000 – higher limits are available.
- Contents coverage optional – excludes personal contents in a basement.
- Furnaces, Water Heaters, Electrical, Plumbing, HVAC systems, Food in a freezer located in a basement are covered.
- Debris Removal
- Residential and Commercial policies available.
Earthquake Insurance
Provided protection in the event of an earthquake.
- This coverage is excluded from a homeowner policy but can be endorsed for an additional premium.
Recreational Vehicles
Provides coverage for motorcycles, snowmobiles, jet-skis and RV’s.
