Other Personal Lines Insurance

Personal Umbrella: You don't have to be a millionaire to be sued like one!
Liability limits provided by a standard automobile or homeowner’s policy usually aren't enough for $1 million and up law suits.
Personal Umbrella Liability Policies with limits of $1 million to $5 million are available. This coverage is in excess of the liability coverage provided by your auto and homeowners policy and is very affordable. It also covers attorney expenses.
 
RVs and Recreational Vehicles: The coverages and protections needed for RVs are unique. They differ significantly from a standard auto policy. Ask about:

  • Personal Effects Coverage
  • Full RV Replacement Cost Coverage
  • Full-timers Coverage
  • Permanently Attached Items Coverage

Boats and Other Watercraft: Unique exposures require unique coverages that are not included in your homeowners or auto policies. Consider the following when looking for any watercraft insurance package:

  • Roadside assistance if you trailer breaks
  • On-water towing
  • Wreckage removal
  • Fishing equipment

Jewelry and Fine Arts: One-of-a-kind items such as jewelry, paintings, sculptures, etc., need special coverages, too. How do you put a value on your grandmother’s wedding ring? This type of property is not usually covered under a standard homeowner’s policy. Ask about a special “floater” that will insure specific items at an agreed-upon value.

Wedding Insurance: Weddings these days are a major expense, and many cost more than $25,000. It just makes sense to protect this investment in the event something goes wrong. Click on this link to more information.

Flood Insurance: Consider these facts:

  • Water is more likely than fire to damage your home.
  • Your homeowners insurance does not cover flooding.
  • One third of flood loss claims are outside high flood-risk areas.
  • Flood insurance is Federal program and is available through the Pardee’s Agency. Let’s talk about how you can make sure your home is protected against flood.

Antique, Classic and Collector Vehicle - Click here for more information.