Personal Insurance
Homeowners Insurance
Homeowners insurance covers damage to your home, property, personal belongings,
and other assets in your home. Your homeowners insurance policy may also cover
living expenses above your normal cost of living if a covered loss forces you to stay
elsewhere while your home is being repaired or rebuilt. It may also provide coverage for
accidents or injuries that occur in your home or on your property.
Auto Insurance
Auto insurance is a contract between you and the insurance company that protects you
against financial loss in the event of an accident or theft. In exchange for your paying a
premium, the insurance company agrees to pay your losses as outlined in your policy.
Umbrella Insurance
An umbrella insurance policy is extra liability insurance overage that goes beyond the
limits of the insured's homeowners, auto, or watercraft insurance. It provides an
additional layer of security to those who are at risk of being sued for damages to other
people's property or injuries caused to others in an accident. It also protects against
libel, vandalism, slander, and invasion of privacy.
Earthquake Insurance
Earthquake insurance covers damage to your home, personal belongings and additional
living expenses if you need to temporarily live somewhere else after an earthquake.
Standard homeowners and renters insurance policies typically don't include earthquake
coverage, but you may add it to an existing homeowners insurance policy as an
endorsement or purchase it as a separate policy.
EPLI policies include or can include protection from Lawsuits and Claims for:
Flood Insurance
Flood insurance is a type of property insurance that covers a dwelling for losses
sustained by water damage specifically due to flooding. Floods may be caused by
heavy or prolonged rain, melting snow, coastal storm surges, blocked storm drainage
systems, or levee dam failure.
Boat Insurance
Boat insurance protects you financially from injuries or damage you cause to others
while boating. Insurance can also cover your watercraft and trailer if it gets stolen or
physically damaged. You can select and purchase additional coverages, such as
uninsured/underinsured boater (UB) coverage, to give you more protection on the
water.
Personal Articles Floater (Art / Jewelry / Collectibles)
A personal article floater policy is a type of inland marine insurance that may protect
readily movable property. The coverage travels or “floats” with the valuable items. It can
supplement your other standard insurance policies, such as a homeowners policy. A
personal article floater can be a separate policy or an endorsement from your current
insurer. A personal article floater is typically designed to provide “open peril” coverage.
This means that items will be covered unless explicitly excluded from your policy.
A policy Insures directors and officers of privately held companies against claims alleging mismanagement of the firm. Unlike publicly held corporations, the shares of privately held organizations are not traded on major stock exchanges. In addition, ownership is usually restricted to a small number of persons, typically the executives and managers who operate the company.
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