Personal insurance is a group of policies that helps protect you, your family, and your belongings from financial loss—covering things like your home, vehicles, liability, health, and life.

Common options include Auto, Homeowners, Renters, Condo (HO-6), Manufactured Home, Motorcycle/ATV/RV/Boat (“toys”), Health, Life, and Personal Umbrella liability.

Match limits to your risk and assets: rebuild cost for your home, a realistic inventory for personal property, liability limits that protect savings/income, and life insurance that covers debts and income replacement goals.

A deductible is the amount you pay out of pocket on a covered claim before insurance pays the rest. Higher deductibles usually lower premiums; choose an amount you could comfortably pay after a loss.

Bundle home/auto, maintain good driving records and credit (where permitted), install safety/security devices, consider telematics, and review coverages annually for accuracy.

An umbrella adds an extra $1M+ of liability protection above your auto/home policies. It’s useful if you want added protection for lawsuits or have higher exposure (teen drivers, pool, rentals, etc.).

Make sure everyone is safe, take steps to prevent further damage, document with photos, save receipts, and contact us to start the claim. An adjuster will guide repairs or settlement.