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.

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