Personal Insurance

Personal Insurance

Protect your greatest assets

Whether it’s a brand new home or a car you’ve been driving for years, we have all the coverages you need to protect what’s most important. Our experts don't leave the safety of your investments up to chance.

We can help you find the best coverage to fit your needs.

Insure your home from the inside-out

Chances are your home is likely one of your largest investments. Homeowners insurance protects you from financial losses caused by storms, fire, theft and other unforeseen events detailed in your policy. Carrying the right amount of coverage is essential to protecting your family and belongings. Homeowners insurance is a package policy. It covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This even includes damage caused by household pets. 


  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

Damage caused by most disasters is covered, but there are exceptions such as damage caused by floods, earthquakes and poor maintenance. Separate policies for flood and earthquake must be purchased.

Your car is loaded with options- so should your insurance policy

Similar to homeowners insurance, auto insurance policies protect you from unforseen accidents and liabilities. Not only should your personal vehicle be covered, your policy should cover unintentional damages inflicted on others' vehicles, property and person.

A typical auto insurance policy provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

While laws vary by state, most states require drivers to purchase a policy. If you are financing a car, your lender may require a policy as well.

Umbrella insurance extends coverage

Insurance policies have limits that help to control your premium costs. In addition, these limits help insurers ensure that they are able to fulfill their financial responsibility and meet the claims needs of their policyholders. But limits leave you with some exposure to financial loss, because any claims that exceed the amount of a policy’s limit must be either paid for out of your pocket or be unrecovered. An umbrella policy can fill the gap that exists between your limits and your potential claims.

Umbrella policies extend the coverage limits of many types of liability insurance policies such as home and auto. It can provide $1 million or more in additional coverage to each of those policies you have. For example, when an auto insurance policy has a $250,000 limit and you injure another person in an accident, the medical expenses and lawsuit could cost much more than that. Having the added protection of an umbrella policy gives you another $1 million or more to put toward those costs. This keeps your savings intact while satisfying the financial obligations you have. Umbrella insurance can also provide protection for situations that would be excluded by other policies, such as when you are accused of slander or libel. Umbrella insurance isn’t just for personal coverage; it can also be purchased by a business in order to extend the reach of its various liability policies.