Auto Insurance

This is coverage for bodily injury and property damage incurred through ownership or operation of a vehicle. It also pays for damage to your auto after a deductible has been met.

Auto Liability

This is coverage that protects against financial loss because of legal liability for motor vehicle related injuries (bodily injury and medical payments) or damage to the property of others caused by accidents arising out of ownership, maintenance or use of a motor vehicle (including recreational vehicles such as motor homes). Commercial is defined as all motor vehicle policies that include vehicles that are used primarily in connection with business, commercial establishments, activity, employment, or activities carried on for gain or profit. No Fault is defined by the state concerned.

Physical Damage Coverage

This motor vehicle insurance coverage (including collision, vandalism, fire and theft) that insures against material damage to the insured's vehicle. Commercial is defined as all motor vehicle policies that include vehicles that are used in connection with business, commercial establishments, activity, employment, or activities carried on for gain or profit.

Boat Owners/Personal Watercraft

This covers damage to pleasure boats, motors, trailers, boating equipment and personal watercraft as well as bodily injury and property damage liability to others.

Motorcycle Insurance

Motorbike (2 or 3 wheeled vehicles) coverage for bodily injury and property damage incurred through ownership or operation of motorcycle. This coverage can also pay for damage to your motorbike after a deductible has been met.

Homeowners Insurance

This is a package policy combining real and personal property coverage with personal liability coverage. Coverage applicable to the dwelling, appurtenant structures, unscheduled personal property and additional living expense are typical. It includes mobile homes at a fixed location.

Renters Insurance

This is liability coverage for contents within a renter's residence. Coverage does not include the structure but does include any affixed items provided or changed by the renter.

Personal Umbrella and Excess

This is non-business liability protection for individuals above a specific amount, set forth in a basic policy issued by the primary insurer; or a self-insurer for losses over a stated amount; or an insured or self-insurer for known or unknown gaps in basic coverages or self-insured retention.