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Personal Lines
Personal Auto
Buying Auto Insurance For most of us, our cars are one of the biggest investments we make, and to experience a loss could be financially devastating. Auto insurance can cover more than just the repairs on your vehicle. Depending on the coverage you choose, your insurance can: · Cover medical expenses associated with an accident.
· Pay for losses caused by underinsured or uninsured drivers
· Reimburse you for damages suffered because of vandalism, natural disasters or theft
· Pay for legal representation in case of a lawsuit.
Understanding Auto Insurance Terms
Every auto policy offers certain coverages. Often times the terms may be confusing to all but insurance professionals. Here is a quick reference guide for the terms that are most commonly used. However, you should read your own policy carefully. If you do not understand any aspect of your policy, take the time to review it with your agent. Required Coverages Bodily Injury: If you injure someone in a car accident, this coverage pays that person's medical and other expenses and any damages for which they may sue you.
Property Damage Liability
If you are at fault in an accident and you damage someone else's property, this coverage pays to fix it. Medical Benefits
This coverage pays medical bills for you and others covered on your policy, no matter who was at fault in the accident. Personal Injury Protection
An extension of car insurance available in some states that covers medical expenses and, in some cases, lost wages and other damages. PIP pays off regardless of who is at fault and is mandatory in some states, especially those with "no-fault" laws. Uninsured/Underinsured Motorist
If you are injured in an accident and the person who hits you doesn't have enough insurance, this coverage will pay for your losses and damages, including your medical bills, lost wages and pain and suffering. It usually makes sense to purchase the same level of this coverage that you have for bodily injury liability. Stacking/Unstacking
The application of limits of more than one policy when multiple policies apply to a covered loss. In Pennsylvania, UM stacking means combining the limits of all of the cars on a multi-car policy when only one car is involved in an Uninsured Motorist loss. Optional Personal Auto Coverages:
Collision: This coverage will pay to fix your car in the event of a collision. Comprehensive: This coverage pays for theft as well as damage to your car from hazards, including fire, flood, vandalism or striking an animal. Rental
This coverage reimburses you if you must rent a vehicle while your vehicle is being repaired following an accident. Towing
This coverage reimburses you if you must tow your vehicle following a breakdown or accident. Additional Personal Injury Protection
Increases your protection over and above the limits of the required coverage. Ask Us About Auto Discounts Available
Good Driver Discount
Good Student Discount
Alarm System Discount
Multi-Vehicle Discount
Home/Auto Discount
Your house is more than four walls and a roof. It's a symbol of your security and prosperity. And, it's probably your biggest investment. Also, inside those walls are possessions and valuables that make your house a home--and those items need protection as well. A standard homeowners policy safeguards your home and possessions against:
Also, homeowners insurance doesn't apply only to those who own a single-family house. If you own a condominium, have combination dwellings, rent an apartment or if you have a second home, you can also buy insurance specifically designed for your circumstances.
Combination Dwellings
One policy provides both property and liability coverage for dwellings not eligible for a homeowners policy. All coverage options track with the homeowners policy, making it easier to use individually or in combination with homeowners coverage. Condominiums/Rental Properties
If you rent an apartment or own a condominium, you need insurance to protect your belongings. While your landlord or condo association might have insurance, it only protects the building. Your belongings are not covered under those policies. There are several types of residential insurance policies. The HO-4 policy is designed for renters, while the HO-6 policy is for condo owners. They both cover losses to your personal property. Second (vacation) Homes
Vacation homes require a special type of insurance--one that protects your vacation home but doesn't overlap with your already existing homeowners insurance coverage. Most homeowners insurance policies provide limited coverage for personal property at an additional residence. However, if your coverage needs for your vacation home exceed this amount, you're going to want to fill this gap by purchasing a policy that will cover your vacation home in its entirety. One way to do this is to purchase a dwelling fire policy, which is specially designed for a second home in that it provides coverage for the dwelling itself, along with your personal property. In addition to protecting your home and its contents, we also offer several discount programs that make our coverage even more affordable (I don’t understand this statement).
Additional Homeowner Coverages
Scheduled Items Items such as jewelry, furs, silver, collectibles and other valuables need to be insured separately (scheduled) to make sure that in the case of a loss you can recover their stated value. Your items are assessed when you begin the policy and the value obtained written into the policy. Ask Us About Homeowners Discounts
Security or fire alarm discounts
Sprinkler system discounts
Home/auto discounts
A personal umbrella policy, protects against a loss due to catastrophic lawsuits. It offers additional protection above and beyond your standard homeowners and auto policy limits and helps eliminate any gaps in your liability coverage. A personal umbrella policy protects you, your spouse and all other relatives living in your household for up to $1 million. With Personal Umbrella, you are safeguarding your possessions, your savings, and your future earnings.
Personal Umbrella includes:
Like an automobile, a motorcycle is a motor vehicle designed for on road use. Consequently the policies offered are similar including required coverages to protect people and property and many specialized coverages for a variety of needs. Boat insurance programs are normally designed to cover boats up to 26' in overall length. If the size of your vessel is greater than 26 feet, it's generally considered a "yacht", and therefore qualifies for yacht insurance. Boat insurance provides physical damage coverage with a deductible to repair your boat if it's accidentally damaged or destroyed by a covered peril such as collision, fire, theft, windstorm, lightning or vandalism. This coverage is broad, and provides coverage for the boat, including its machinery and auxiliary equipment, outboard motors, boat trailer and personal property. Also available is coverage for: Personal Effects, Boat Liability, Medical Payments and Commercial Towing and Assistance.
RV Insurance offers many different types of coverages. Following are some of the coverages descriptions. Bodily Injury
RV bodily injury liability insurance covers your legal liability for the injury or death that you, or any permitted user, may cause with your RV. Property Liability RV property damage insurance covers the legal property damage liability for damage to property of others that you, or any permitted user, cause with your RV. The RV property damage coverage dollar amount shown in your coverage declaration page is the maximum amount the insurer will pay for all property damage in any one accident. Other Coverages Available
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