Personal Insurance

Personal insurance protects your personal stuff, like your home, your cars, your personal belongings, etc.

Condominium insurance is similar to homeowners insurance but is designed for the specific needs of condo living. Many families choose condos because of the convenience of on-site maintenance and access to community amenities.

A homeowners policy will never cover costs of floods or a number of other catastrophic accidents. It's too difficult to predict the total cost of flood damage (or damage by other natural disasters) to homes each year. 

It is really all about protecting yourself financially if something unexpected happens to your home or your possessions. That's important because chances are your home is one of your largest investments.

Your business, your autos, your properties, investments and retirement accounts, as well as your normal checking and savings accounts and even future income, are all considered assets. It is important to know that if you are sued for a lot of money and do not have enough liability insurance or an umbrella policy to cover those costs, all of your assets are exposed.

Your homeowners, renters, and condo owners’ policies have sub limits within them for certain valuable articles such as jewelry, silver, firearms, furs etc.  Most companies will allow these limits to be increased by endorsement. However, increasing the limit may not broaden the coverage.

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Pretty straightforward.