PERSONAL

HOME & AUTO

If you own a high-value property or drive a luxury car, you may need a more robust insurance program. Our premium coverage and exclusive benefits extend far beyond standard policy offerings.

HOME

Guaranteed Replacement Cost
Replace, Rebuild, or Receive a Cash Settlement
Broad Coverage for Sewer and Drain Backups
Equipment Breakdown for Home Appliances
Cyber Liability and Identity Fraud
Comprehensive Risk Analysis and Prevention

AUTO

Agreed Value Feature
Original Manufacturer’s Parts and Procedures
Worldwide Liability for Rented Vehicles
Expanded Rental Car Coverage

LIFE & UMBRELLA

Life insurance can be used to secure your family’s financial future, fund a buy-sell business agreement, cover inheritance taxes, fund a college education, or as an investment vehicle. We offer a variety of life insurance policies, and the kind of policy you choose will depend on your unique needs.

Term
Whole Life

Universal Life
Disability

Sometimes bad things happen – a car accident, a guest slips and falls on your property, a lawsuit. Experiencing a major claim could lead to a personal financial loss if costs exceed your limits of liability. Personal umbrella or excess liability insurance provides coverage above and beyond the underlying liability limits of your primary policies such as home, auto or watercraft.

Limits Available up to $100 million
Worldwide Liability
High Public Profile

Domestic Employee Liability
Employment Practices Liability
Non-Profit Boards

COLLECTIONS

While typical homeowner policies are designed to protect your home and what is inside, there is usually a limited amount of coverage for valuable possessions. Accidents can happen. Diamonds fall out of rings, antiques break, artwork and firearms get stolen. The most common and comprehensive way to protect these possessions is with a separate collections policy. Our programs include:

Flexible Coverage Options
Broad Coverage for Newly Acquired Items
Protection Against Market Increases
Worldwide Protection
Agreed Value Feature

RECREATION

We offer comprehensive programs that can accommodate a wide variety of recreational needs. Whether you own an ATV, ski boat, pontoon, luxury yacht, or something in between, we have the programs to fit your needs.

Agreed Value Feature
Wreck Removal and Clean-Up
Emergency Towing and Assistance
Broad Navigational Limits
Uninsured Watercraft