Home Insurance

Personal Property Coverage

Keeps your possessions safe at home from threats like burglary, fire, or damage. It covers the cost to fix or replace things like furniture, gadgets, clothes, and valuables if they’re lost or harmed.

Liability Coverage

Covers you if someone gets hurt on your property or if you unintentionally damage someone else’s belongings. It helps pay for legal costs, medical bills, and any settlements or judgments up to your policy limits, giving you financial peace of mind against claims and lawsuits.

Dwelling Coverage

Protects the physical structure of your home, including walls, roof, floors, and built-in appliances. It helps cover repair or replacement costs if your home is damaged by covered events like fire, wind, or hail.

Auto Insurance

    • Personal Injury Protection (PIP): Helps cover medical bills, lost pay, and other costs if you or your passengers get hurt in a car crash, no matter who caused it.

    • Comprehensive Coverage: This protects your car from damage not caused by crashes, like theft, vandalism, fire, storms, or animal hits.

    • Uninsured/Underinsured Motorist Coverage: This helps pay for your medical bills and damages if the other driver has little or no insurance.

    • Compare quotes from multiple insurers to find the best rates.

    • Bundle your car insurance with other policies like home or renters insurance for discounts.

    • Maintain a clean driving record and consider increasing your deductible to lower your premiums.

Renters Insurance

    • Personal Property Coverage: Protects your belongings from damage or theft inside your rental home.

    • Liability Coverage: Covers legal fees and damages if you’re responsible for injuring someone or damaging their property.

    • Additional Living Expenses: Pays for temporary housing and living costs if your rental becomes uninhabitable due to a covered loss.

    • Renters insurance often covers more than just personal property—it can also include liability protection if someone is injured in your rental.

    • Many policies provide coverage for belongings stolen or damaged even when you’re away from home.

    • Renters insurance is typically very affordable, often costing less than a cup of coffee per day.

Umbrella Insurance

    • Personal Liability Coverage
      Protects you from claims of bodily injury or property damage caused to others, covering legal fees and settlements beyond your standard policy limits.

    • Guest Medical Coverage
      Pays for medical expenses if a guest is injured on your property, regardless of fault, offering additional protection beyond your homeowners or auto insurance.

    • Worldwide Coverage
      Extends liability protection globally for incidents that occur outside

    • Covers beyond standard policies: Umbrella insurance provides extra liability coverage that kicks in when your auto, home, or other insurance limits are exceeded, protecting your assets from major lawsuits.

    • Affordable peace of mind: Despite the high coverage amounts (often starting at $1 million), umbrella insurance premiums are relatively low, making it a cost-effective way to safeguard your financial future.

    • Worldwide coverage: Unlike many standard policies, umbrella insurance often extends protection globally, covering incidents that happen outside the United States.