Personal Lines
Most people simply can't afford to rebuild their home and replace everything in the event of a disaster scenario.
A home insurance policy can protect your property, personal possessions and you from the uncertainty of today's world.
A home insurance policy can protect your property, personal possessions and you from the uncertainty of today's world.
There are many different types of coverage and we can help you easily sort through the options to find the policy best suited to meet your needs and budget. Let us help you determine the value of your home, belongings and whether to insure your home for its full replacement value or a stated cash value.
Protect your home, family and assets by purchasing an umbrella policy to provide extra, overall coverage. Amounts usually range from $1 million to $5 million and typically cover losses beyond what your other policies will pay. The coverage isn’t tied to your property or vehicle so it goes with you where you go.
Examples of claims an include:
Examples of claims an include:
- Injuries that occur on your property, or in your home
- Accidents involving your car or other recreational vehicles
- Judgments above your basic coverage
- Jewelry & furs
- Antiques & silver
- Fine furniture
- Instruments & fine art
- Laptops, cameras, & other costly electronics
- Coin and Stamp collections
- Wine collections
- Inherited items
- Other unique & rare collectibles and personal effects
Whole Life Insurance
Premiums are fixed for the life of the policy, lets you build wealth as part of the premium is used to accumulate a guaranteed cash value. Often pays dividends (not guaranteed) that may also increase policy cash value.
Universal Life Insurance
Offers flexible premiums with a choice of either a level or increasing death benefit. Cash value builds within the policy based on the performance of the company and on how much premium is paid.
Variable Life Insurance
Offers a wider selection of investment products, including stock funds with investment returns that can offset the cost of premiums or build in the account. Beneficiaries receive the death benefit plus all or part of the cash account.
Term Life Insurance
Provides coverage for a specific price for a specified period so that if the covered person dies during the specified time the beneficiary receives the policy's value. No investment component, a return of premium rider is usually available
Premiums are fixed for the life of the policy, lets you build wealth as part of the premium is used to accumulate a guaranteed cash value. Often pays dividends (not guaranteed) that may also increase policy cash value.
Universal Life Insurance
Offers flexible premiums with a choice of either a level or increasing death benefit. Cash value builds within the policy based on the performance of the company and on how much premium is paid.
Variable Life Insurance
Offers a wider selection of investment products, including stock funds with investment returns that can offset the cost of premiums or build in the account. Beneficiaries receive the death benefit plus all or part of the cash account.
Term Life Insurance
Provides coverage for a specific price for a specified period so that if the covered person dies during the specified time the beneficiary receives the policy's value. No investment component, a return of premium rider is usually available
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