Personal Property and Casualty Lines
Homeowner's Insurance can give you peace of mind knowing that in the event of a covered loss that your home will be rebuilt and your belongings will be replace. The coverage's offered to homeowners are typically contained in a package of property and liability coverage's. Most insurance companies also offer endorsements that can be purchased to either increased existing limits already included in the policy language or change a coverage from being excluded to being covered.
Automobile Insurance is purchased to protect you and your family in the event that you suffer a loss to your person or property and to protect yourself from losses suffered by others. You also have coverages that are required to be purchased.
Personal Umbrella Insurance
Personal Umbrella Insurance is an excess liability policy. It provides $1,000,000 or more of liability coverage above your primary insurance policies (home, auto, boat, etc). In today's litigious society it is imperative that you protect your assets. If you were to be sued and a judgment entered against you, all of your assets would be in jeopardy. Umbrella Insurance protects you by covering property damage, bodily injury or personal injury claims that you and your dependents may cause.
Inland Marine Insurance
Inland Marine Insurance is for personal property items that exceed the coverage automatically included in your Homeowner's Insurance Policy. The main benefits of scheduling items are that they are covered anywhere in the world, no deductible applies, certain items can be covered for an agreed value, and 'mysterious disappearance' is a covered loss.