Other Personal Lines

boat

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.

Motorcycles
Motorcycle coverage can be as unique as your bike.  Pricing can vary depending on the type and value of your bike, accessories and optional equipment, the age of your bike, as well as your age and driving record.  Consider taking a safety course for a policy discount.

RV Insurance - Motorhome InsuranceRVs 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
  • Claim settlement for Replacement Cost, Actual Cash Value or Agreed Value

Did you know that a Vessel Safety Check is offered by the US Coast Guard Auxiliary?  http://cgaux.org/vsc/

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. When planning a 50th anniversary party, a bar mitzvah, a graduation party or a Sweet Sixteen party for 300 of your closest friends, it makes sense to protect your investment.  Special event insurance will provide you with financial protection for adverse weather, venue bankruptcy, caterer cancellations, death, illness or serious injury to a key event participant. Liquor liability is another consideration when hosting an event.  Talk to us about options for your protection today.

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.
  • The Homeowner Flood Insurance Affordability Act of 2014

Antique, Classic and Collector Vehicle
These vehicles are not everyday transportation, and are best insured by specialty vehicle programs.  Agreed valuation, roadside assistance, flexible usage and flatbed towing are some of the special consideration offered by these policies.  We offer a variety of different companies and coverages to meet your needs.