Personal Insurance Lines

Shopping for competitive insurance rates may not rank high on your to-do list. But that’s ok, we take care of all the work for you.

Don’t worry about comparing insurance quotes to cover your car, home, motorcycle, or boat. Our expert representatives shop your policy and find the right solutions at the right price.

Auto Policy Features:

  • Rental car coverage: If your car is damaged in an accident, your policy will cover the cost of a rental vehicle until your car is repaired
  • 24-Hour roadside assistance: Includes towing services if you experience an emergency on the road
  • Accident forgiveness: Avoid a rate increase following the first at-fault accident on your policy
  • New car replacement coverage: Newer cars will be replaced at their original value, not the depreciated value
  • Gap insurance: If your vehicle is declared a total loss due to an accident or theft, gap insurance will pay for the “gap” between what you owe and what your vehicle is worth at the time of loss
  • Originally equipped manufacturer (OEM) parts: Pays for factory parts from your original manufacturer, rather than generic parts
  • Additional discounts: You may qualify for additional savings such as higher education discounts, vehicle safety feature discounts, or bundle discounts when you bundle your home or renter’s insurance with your auto insurance
  • Youth driver discounts: Your youth driver could qualify for a discount if the following criteria are met: the covered driver is a full-time student, has good grades, has completed driver’s education training, or is away at school without a car

Policy Features for Homeowners and Renters:

  • Water and sewage backup: Covers expenses for cleanup crews and repairs
  • Comprehensive coverage: Protects home and permanent structures, personal property, and additional living expenses
  • Personal liability coverage: Covers bodily injuries and property damage sustained by others for which you are legally responsible
  • Jewelry: Covers jewelry that is lost, stolen, or damaged
  • Additional living expenses: Covers the cost of staying in a hotel while your home or apartment is being repaired
    • Additional Features for Homeowners:

    • Replacement cost guarantee: Covers the cost of rebuilding your house, even if the cost to rebuild is more than what your home was originally valued at
    • Additional discounts: You may qualify for additional savings if your home includes a central alarm system, smoke detectors, fire extinguisher, dead bolt locks, a backup generator, if you’re a non-smoker, or if you bundle your homeowners and auto insurance
      • Additional Features for Renters:

      • Replacement cost coverage: Covers the cost of replacing stolen or damaged items in the living area
      • Additional discounts: You may qualify for additional savings if your apartment includes a central alarm system, smoke detectors, fire extinguisher, dead bolt locks, if you’re a non-smoker, or if you bundle your renters and auto insurance

      Watercraft Coverage Features:

      • Mechanical breakdown coverage
      • On water towing
      • Coverage for outboards, inboards, and in/out boards
      • Boat trailer coverage
      • Roadside assistance: Includes towing services when hauling a boat behind your vehicle
      • Additional discounts: You may qualify for additional savings if you’re a responsible driver, you’ve received a quote several days before your current policy ends, you’re a homeowner, you have a multi-policy, you’re the original owner, or if you have idle assisted steering

      We also offer coverage solutions for:

      • RVs
      • ATVs
      • UTVs
      • Travel Trailers
      • Snowmobiles
      • Dirt Bikes

      Motorcycle Coverage Features:

      • 24-hour roadside assistance
      • Total loss replacement coverage
      • Comprehensive/collision coverage
      • Same day coverage
      • Riding apparel coverage
      • Custom parts coverage
      • Additional Discounts: You may qualify for additional savings if you have a multi-policy, you’re a homeowner, have a LoJack transmitter installed, have anti-lock brakes, or you’ve completed a safety course

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