Personal insurance
Protection for your vehicle, home, belongings, and liability.
We start with what matters to you, then explain the coverage that actually addresses it—limits, deductibles, exclusions, and endorsements included.
Auto Insurance
Protection for your vehicle, your liability to others, and the people riding with you.
Auto insurance generally helps pay for damage or injuries you become responsible for in an accident, and—depending on the coverages you select—damage to your own vehicle.
Common coverage considerations
- Liability limits for bodily injury and property damage
- Uninsured and underinsured motorist coverage
- Collision and comprehensive deductibles
- Medical payments, rental reimbursement, and roadside options
- Drivers in the household, including teen drivers
Who may need it: Anyone who owns, leases, or regularly drives a vehicle.
Request a Auto Insurance quoteHomeowners Insurance
Coverage for your home structure, belongings, liability, and living expenses after a covered loss.
A homeowners policy generally covers the dwelling and other structures, personal property, personal liability, and additional living expenses after a covered loss.
Common coverage considerations
- Dwelling limit and how replacement cost is calculated
- Replacement cost vs. actual cash value on contents
- Wind, hail, and separate deductible provisions
- Water damage limitations and what flood coverage requires
- Endorsements for valuables, service lines, or water backup
Who may need it: Homeowners, first-time buyers preparing to close, and owners of second homes.
Request a Homeowners Insurance quote
Renters Insurance
Affordable protection for your belongings and personal liability while you rent.
Renters insurance generally covers your personal property, your personal liability, and additional living expenses if a covered loss makes your unit unlivable. Your landlord's policy covers the building—not your things.
Common coverage considerations
- Personal property limit and how you value your belongings
- Liability limit and guest medical coverage
- Loss-of-use coverage if you must live elsewhere temporarily
- Special limits on jewelry, electronics, and collectibles
Who may need it: Apartment, house, condo, and room renters of any age.
Request a Renters Insurance quote
Condo Insurance
Coverage designed around what your condo association's master policy does not cover.
A condo policy generally covers interior improvements, personal property, personal liability, and—depending on the policy—assessments charged by the association.
Common coverage considerations
- What the association master policy covers and where it stops
- Interior build-out and improvement coverage
- Loss assessment coverage
- Personal liability limits
Who may need it: Condominium and townhome owners in an association.
Request a Condo Insurance quoteUmbrella Insurance
Extra liability protection that sits above your auto, home, or other qualifying policies.
An umbrella policy generally provides additional liability limits after the underlying policy limits are exhausted, subject to required underlying limits.
Common coverage considerations
- Required underlying liability limits
- Household drivers, pools, rentals, and other exposures
- How much protection matches your assets and future income
Who may need it: Professionals, business owners, landlords, and families who want liability protection beyond standard limits.
Request a Umbrella Insurance quoteFlood Insurance
Separate coverage for flood damage, which standard homeowners policies typically exclude.
Flood insurance generally covers flood-related damage to the building and, when purchased, its contents. Waiting periods commonly apply.
Common coverage considerations
- Flood zone and elevation information
- Building vs. contents coverage
- Waiting periods before coverage takes effect
- Why homes outside high-risk zones still flood
Who may need it: Homeowners, condo owners, renters, and business owners in any flood zone.
Request a Flood Insurance quoteMotorcycle Insurance
Coverage built for bikes, riders, gear, and passengers.
Motorcycle policies generally include liability coverage and optional physical damage coverage for the bike, with options for custom parts and riding gear.
Common coverage considerations
- Liability limits and uninsured motorist coverage
- Custom parts and accessories coverage
- Seasonal use and storage
Who may need it: Street, touring, and cruiser riders.
Request a Motorcycle Insurance quoteBoat Insurance
Protection on the water for your boat, motor, trailer, and liability.
Boat policies generally cover physical damage to the watercraft and liability arising from its use, with options for towing and equipment.
Common coverage considerations
- Navigational territory and lay-up periods
- Trailer and motor coverage
- On-water towing and fuel-spill liability
Who may need it: Boat, pontoon, and personal watercraft owners.
Request a Boat Insurance quoteRV Insurance
Coverage for motorhomes and travel trailers on the road and at camp.
RV policies generally combine auto-style liability and physical damage coverage with options for contents, attached accessories, and vacation liability.
Common coverage considerations
- Full-time vs. recreational use
- Attached accessories and personal contents
- Emergency expense and vacation liability
Who may need it: Motorhome, camper, and travel-trailer owners.
Request a RV Insurance quoteValuable Items & Scheduled Property
Broader protection for jewelry, instruments, firearms, collectibles, and other valuables.
Scheduling valuable property generally provides higher limits and broader causes of loss than the special limits inside a standard home or renters policy.
Common coverage considerations
- Appraisals and documentation
- Special limits inside your existing policy
- Deductible options on scheduled items
Who may need it: Owners of jewelry, fine art, instruments, cameras, or collections worth more than standard policy sublimits.
Request a Valuable Items & Scheduled Property quoteLandlord / Rental Property Insurance
Coverage for rental dwellings, loss of rents, and landlord liability, where available.
Landlord policies generally cover the rental structure, landlord-owned property, liability, and—when included—loss of rental income after a covered loss.
Common coverage considerations
- Number of units and occupancy type
- Loss of rents coverage
- Tenant renters insurance requirements
Who may need it: Owners of single-family rentals and small rental properties.
Request a Landlord / Rental Property Insurance quoteCoverage notes
Life insurance and any other line not listed above is not offered on this site pending confirmation of licensing and market access.
Not sure which coverage fits?
Tell us what you want to protect and we will walk you through the options available to our agency.