Personal

Personal auto insurance is a policy that provides coverage for vehicles primarily used for personal or non-business purposes. It helps protect drivers and their vehicles from financial loss in an accident, theft, or other covered incident.

 Personal auto insurance policies typically cover several events, including collision damage, theft, and liability for bodily injury and property damage. The coverage options and limits may vary depending on the policy and the insurance company.

Personal Auto

Homeowners insurance is a type of insurance policy that provides financial protection to homeowners in case of damage to their property or personal belongings due to various perils such as theft, fire, and natural disasters. Homeowners insurance typically covers the cost of repairing or replacing damaged property and provides liability coverage if a third party gets into an injury on the homeowner's property. Most homeowners' insurance policies cover the physical structure of the home, as well as other structures on the property, such as garages or sheds. The policy may also cover personal property such as furniture, clothing, and electronics.

Homeowners 

Dwelling fire insurance covers damages to a dwelling, such as a single-family home, townhouse, or duplex, caused by specific perils listed in the policy. These perils typically include fire, lightning, wind, hail, and explosions.

 Landlords often purchase dwelling fire insurance, which can help protect their investment properties from damage caused by tenants, natural disasters, or other covered perils. It can also be purchased by homeowners needing help to afford a full homeowners insurance policy or who have difficulty obtaining coverage due to high-risk factors, such as living in an area prone to wildfires or flooding.

Dwelling Fire

Mobile Homeowners Insurance is a type of insurance policy that provides coverage for owners of mobile or manufactured homes. These homes are designed to be transported and are built in a factory before being transported to their final location.
 Mobile Homeowners Insurance can cover a range of risks, including damage to the home itself, damage to personal property inside the home, liability for injuries on the property, and more. A Mobile Homeowners Insurance policy specific coverage and limits can vary depending on the insurer and the homeowner needs.

Mobile Homeowners

Motorhome insurance is a type of insurance policy that provides coverage for motorhomes, also known as RVs (recreational vehicles). It covers living quarters and amenities for recreational or travel purposes. 
 Motorhome insurance typically covers damage to the vehicle, liability for bodily injury and property damage, as well as theft and vandalism. In addition, some policies may cover personal belongings, awnings, and other accessories.

Motorhome

Personal and premises liability insurance are two types of insurance that protect against financial losses that can result from accidents, injuries, or property damage.

 Personal liability insurance provides coverage if you are found legally responsible for injuring someone or damaging their property. This type of insurance can help cover the cost of legal fees, medical bills, and other expenses associated with the incident.

Personal and Premises Liability

RV insurance is a specialized insurance policy that covers various types of recreational vehicles, such as motorhomes, travel trailers, fifth-wheel trailers, pop-up campers, and truck campers. It typically includes liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
 The coverage limits and premiums may depend on several factors, including the type and value of the RV, the usage, and the driver's history.

Recreational Vehicles

Travel trailer insurance is a policy designed to cover travel trailers, also known as recreational vehicles (RVs), while on the road or parked at a campsite. 
 Travel trailer insurance typically covers a range of risks, including collisions, theft, vandalism, and weather-related damage. Some policies may also include coverage for personal property and liability protection in case someone is injured, or their property is damaged while on your campsite or around your trailer.
 When purchasing travel trailer insurance, it's important to consider factors such as the value of the trailer, its age, and the types of activities you plan to engage in while using it.

Travel Trailer

Vacant home insurance is a type of insurance policy that provides coverage for unoccupied or vacant homes for extended periods. These homes may be unoccupied because they are undergoing renovations or repairs, are up for sale or rent, or because the owners are away for an extended period.

 A standard homeowners insurance policy typically only covers a vacant home for 30 to 60 days. If the home is left unoccupied for an extended period, the risk of damage or loss increases, which can result in a higher likelihood of insurance claims.

Vacant Home

Yacht insurance is a type of insurance policy that provides coverage for boats and other watercraft typically used for pleasure or recreation. Yacht insurance policies protect yacht owners from financial losses in an accident, theft, or other covered event that could damage the vessel or cause injuries to the owner or passengers.
 Yacht insurance policies typically cover a wide range of risks, including damage to the yacht or its equipment, liability for injuries or damage caused to other boats or property, and coverage for personal property and equipment on board the yacht. Some policies may also provide coverage for emergency towing, salvage, and other types of assistance in the event of an accident or breakdown.

Yacht

Renters insurance, or HO4 insurance, is a policy designed to protect individuals renting a property. This type of insurance policy typically covers personal property, such as clothing, furniture, and electronics, as well as liability coverage for accidents that may occur on the property.
 Renters' insurance can protect against various potential risks, including theft, fire, water damage, and other unexpected events.

Renters

Condo insurance, also known as condominium insurance, is a type of insurance policy that protects owners of condominium units. Unlike homeowners' insurance, which typically covers the entire structure of a house, condo insurance typically covers only the owner's unit and its contents.

 Condo insurance policies generally include several types of coverage, such as personal property coverage, liability coverage, and loss of use coverage.

Condo

Motorcycle and ATV insurance policies cover motorcycles and all-terrain vehicles (ATVs). These policies are typically similar to standard auto insurance policies but cater to the specific needs of motorcycle and ATV riders.
 Motorcycle and ATV insurance policies usually cover liability, collision, and comprehensive coverage.

Motorcycle & ATV

Personal boat insurance, also known as boat owners insurance, is a type of insurance policy that provides coverage for boats and personal watercraft. It typically covers damage to the boat and liability for any injuries or damages caused by the boat to other people or property.
 Boat insurance policies can vary depending on the type of boat, its size, its value, and its usage. Some policies may include coverage for towing and salvage, emergency assistance, and personal property on board the boat.

Susan Reese

Susan Reese

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