Types of Personal Insurance

• Auto Insurance: Provides financial protection in the event you cause injury or property damage to another person. Also, depending on the coverages you select, it can cover the cost of repairs to your own vehicle, roadside, rental car, and medical payments.
• Homeowners Insurance: Provides coverage for your home, personal belongings, other structures, financial liability, and temporary living expenses. Commons scenarios covered by homeowners insurance include fire damage, windstorm, hail, and theft/burglary.
• Life Insurance: Pays a lump sum of money to a beneficiary in the event of the insured passing away. Beneficiaries often include family members such as spouses and/or children.
• Flood Insurance: Offers protection for your home and personal belongings in the event of flood loss or damage. Flood Insurance is a standalone policy
• Renters Insurance: Protects your personal belongings from losses such as fire and theft. Renters insurance also provides coverage for financial liability and temporary living expenses.
• Motorcycle, Boat and ORV: Offers financial protection in the event your cause injury or damages to another person. Depending on the optional coverages you select, it can cover repairs to your own vehicle, towing and labor, and medical payments.
• Umbrella or Excess Liability: Extends the liability limits of your personal policies (auto, home, etc.). Common limits include $1 million to $5 million in coverage. The cost of an Umbrella policy is typically between $15-50/month.