Personal Lines

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.

Automobile Insurance Coverage

Have an auto accident and you'll discover that you can rent a car similar to what you were driving, not a miniaturized version. Or, receive an agreed value settlement for the full amount of your vehicle, not the depreciated amount in the event of a covered total loss. Auto Policy Discounts:

Good student
Driver training
Accident Prevention Course (Defensive Driving credit)
Air bag/Passive restraint
Anti-lock brake
Anti-theft
Multi-car
Daytime running lights

Home Insurance Coverage

Whatever the age or style, owner or renter, we offer exceptional coverages and services. We understand that your home is a major investment, both financially and emotionally. If anything disastrous should happen to your home, you'd want an insurance policy broad enough to help repair, replace or rebuild as it was before.

Home and Contents Policy Discounts:

Burglar alarm
Fire alarm
New house
Renovated house
Gated community patrol service
Residential sprinkler system
Fire resistive
Masonry construction
Loss free
Storm shutter
Suburban rating

Valuable Articles

Jewelry, art, antiques, furs, fine wines and other treasured items Insure them with Valuable Articles Insurance. You bought it because you love it. Whether it's a precious piece of jewelry, a painting, sculpture, antiques, rare coins, or memorabilia, we can help protect the possessions you cherish the most. Homeowner's policies have limitations for protection of valuable items.

Watercraft

Protect your watercraft, large or small, with seaworthy coverage and service. We provide a safe harbor for boats large and small. Whether you own a small runabout, sailboat, yacht, or mega yacht with a full-time captain and crew-we'll help protect you with some of the most seaworthy coverages and services available on the open water. We include generous options for many kinds of losses-all of which can help save you money, in the event of a covered accident, theft or mishap on the water.

Family Protection

Home invasion. Carjacking. Stalking threats. Road rage...It's hard to think that these things could happen to you and your family. Yet these unthinkable crimes happen every day. We're here if you need us. Family protection helps cover your expenses if you or someone close to you is a victim of these crimes almost anywhere in the world.

Home, Auto, Boat, and High Value Home

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