Our Personal Lines Insurance has specialty policies for both your home and your recreational time away from home. We have policies geared specifically towards boat and motorcycle drivers, and for your RV. On top of that, our insurance carriers are equipped to insure fine arts and jewelry when combined with a home policy. We can even insure your collector car fleet as a collector car wholesaler.
|Agreed Value Coverage||With optional Agreed Value coverage, you agree what your car is worth when your policy is written. Then, if your car is stolen or totaled, we'll simply write you a check for the agreed amount. This could save you $10,000, $20,000 or more at the time of a covered loss.|
|Choice of Repair Shop||Many standard companies strongly suggest that you fix your car at one of their "network" shops. We not only provide you with the freedom to choose a body shop, if you need us to, we can refer you to a trusted and certified shop.|
|Rental Car Reimbursement||Need to rent a car because yours is out of service following an accident? Some of our Rental Car Reimbursement Coverage pays more than nine times as much as most ordinary insurance and enables you to rent a car like the one you own. We offer the industry's highest amount of coverage at $5,500, with no per-day limit.|
|Original Equipment Manufacturer (OEM) Parts||While many insurers won't pay the cost of OEM parts, we will. Because we know that when you need your car repaired, you will want it fixed properly the first time.|
|High Coverage Limits for Liability and Uninsured/Underinsured Motorists (UM/UIM) Coverage:||Your auto insurance can be a strong line of defense in the event of an accident or a lawsuit. For it to work, you need high limits of both auto liability and UM/UIM coverage. We offer some of the highest limits in the business-up to $10 million in auto liability and $1 million in UM/UIM protection.|
|Worldwide Rental Car Coverage||Unlike most standard insurers, Some of our carriers doesn't limit rental car coverage to the U.S. and Canada. We cover damage to a rental car anywhere in the world. And, when you purchase a liability limit of $1 million or more, you get worldwide auto liability coverage.|
Here are just a few key features that give you choices in coverage, broader protection than standard policies, and peace of mind.
|Extended Replacement Cost||With extended replacement cost coverage, after a covered loss our carriers will pay to have your home repaired or rebuilt to its original beauty-even if the cost exceeds your policy limit. We will even pay for necessary upgrades due to modern building codes.|
|Cash Settlement||In the event of a covered total loss, if you decide not to rebuild or to rebuild at another location, our carriers offer a cash settlement, up to your policy limit. The choice is yours.|
|Home Appraisal Service||Our high value home carriers offer complimentary home appraisals for many homes that we insure. Highly trained appraisers will visit your home to carefully note the home's features, estimate the home's replacement cost and help you determine the amount of coverage you really need. Our appraisers also assist with security and fire prevention advice.|
|Additional Living Expenses||If your home cannot be lived in due to a covered loss and you need a temporary residence while your house is rebuilt, we will help cover the reasonable increase in your normal living expenses. This allows you to maintain your fine standard of living while you must be away from home. Typical policies limit coverage to a percentage of your home's insured value.|
|Replacement Cost Coverage||In the event that the things inside your home are damaged, our policy insures most belongings for the amount it costs to replace them today, without deduction for depreciation, up to the limit you chose on your policy. And our policy doesn't require you to replace them. You may choose a cash settlement instead.|
|The Extras||Our high value homeowners policy includes extra coverages to help protect you in unexpected situations, ranging from tree removal after a storm, restoration of electronic data destroyed by a computer virus or lock replacement if your keys are lost or stolen.|