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personal insurance

Personal Insurance

Individual Health Coverage

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Homeowner, Condominium and Renters

Today's homeowner insurance has many features that allow you to custom design a policy that is right for you. The traditional homeowner’s program offers protection for your home's structure, your personal property, as well as liability safeguards in case you are held liable for etc.

If you own a Condo, your Association probably has a Master Policy that insures the building and common areas collectively owned by the unit owners. Since this includes the actual structure of the unit, you would usually not need to pay for this type of coverage. However, the Master Policy does not cover your personal property or your legal responsibilities. That's where condo insurance is needed.

Similarly, if you rent, your landlord probably has insured your building, but not your personal possessions within your apartment. Renters Insurance would protect your personal property in the event of a loss.

Special Note:

Typically, a homeowner’s policy does not provide the level of coverage you may need for fine arts, jewelry, furs, silverware, or collectibles. You may need to schedule them separately to adequately protect them.


When it comes to auto insurance, there are some basic things you need to know. Like the fact it is a statutory requirement and that it can be expensive. There are four basic automobile coverage’s: (1) liability, (2) medical payments, (3) Uninsured/Underinsured motorist, and (4) damage to your vehicle. The following should help you navigate through the particulars of auto insurance.

Liability Coverage

Liability coverage offers protection against claims, property damage, or bodily injury to a third party that you or a member of your household accidentally caused while driving your car. This coverage applies only if the driver is considered

Medical Payments

The Medical payments portion of your policy assures that you; your family members, and passengers in your car will receive necessary medical and dental services resulting from an auto accident-regardless of who caused the accident.

Uninsured/Underinsured Motorist

Uninsured motorist coverage will pay for injury expenses incurred should you, your family member, or passengers are involved in an accident with an uninsured motorist.

Underinsured motorist coverage comes into play when the other driver is found legally responsible for an accident and has coverage, but not enough to cover your injuries.

Physical Damage Coverage

There are two types of physical damage coverage: (1) comprehensive and (2) collision.

  1. Comprehensive coverage pays for most types of damage to your car resulting from a loss other than collision. Typical examples include breakage of glass, falling objects, fire, theft, windstorm, hail, water, flood, malicious mischief, vandalism, or impact with an animal.
  2. Collision coverage pays for any damage to your car caused by accidental impact with a vehicle or object-or if your vehicle overturns. The maximum amount to be paid is limited to actual cash value of your vehicle, commonly referred to as "blue book" value. Remember, the blue book value is only a guide.


In today's environment, you can never tell when some small action or oversight will lead to a lawsuit. Fighting them can be awfully expensive, placing your personal property and assets at risk.

What if . . .
  • Someone in your family forgets to turn off the stove. The fire that results damages not only your home, but also others in your neighborhood. This can lead to a potential negligence suit.
  • A homeowner's association board meeting concerns a hotly contested educational issue. You attend, and in voicing your oppositions to one board member's action, you make an impassioned speech. Your words could lead to a potential slander suit.
Personal Umbrella / Excess Liability

Personal Umbrella or Excess Liability coverage can provide your entire household with a high limit of liability protection over and above the insurance you are carrying for primary auto, homeowner, boats and other personal insurance coverage’s. And it is not as expensive as you might expect.


To learn more about the coverage that best suits your family and to purchase insurance contact us.