Personal Insurance

Personal insurance policies are designed to protect you and your family should unexpected, unfortunate setbacks occur. There are many types of personal insurance policies, and each provides coverages related to different aspects of everyday life.

How much personal insurance you carry will be directly relative to personal details like your financial situation, your investments in property, and your lifestyle. The information we provide here is to serve as a guide in choosing which types of personal insurance policies may be right for you.

One- to four-family, non-owner-occupied rented dwellings (annual basis)
Properties operated by individuals, partners, corporate entities, LLCs, or trusts
Condominium and co-op apartments (rented to same tenant on annual basis)
Proprietary endorsement, landlord customizer

One- to four-family vacant dwellings
Builders risk, dwellings under renovation, and dwellings that don’t fit our homeowners program

Owner-occupied, one- to two-family dwellings
Seasonal and secondary dwellings without the primary home

One- to two- family owner/occupant of manufactured homes

Personal property and contents

Landlord Package Program

One- to four-family, non-owner-occupied rented dwellings (annual basis)
Properties operated by individuals, partners, corporate entities, LLCs, or trusts
Condominium and co-op apartments (rented to same tenant on annual basis)
Proprietary endorsement, landlord customizer

Dwelling Fire Program

One- to four-family vacant dwellings
Builders risk, dwellings under renovation, and dwellings that don’t fit our homeowners program

Homeowners

Owner-occupied, one- to two-family dwellings
Seasonal and secondary dwellings without the primary home

Manufactured Homeowner

One- to two- family owner/occupant of manufactured homes

Renters

Personal property and contents

One- to four-family vacant dwellings
Builders risk, dwellings under renovation, and dwellings that don’t fit our homeowners program

Property Coverage

Basic, Broad & Special Forms
Home or Dwelling
Other Structures
Personal Property
Loss of Use
Inland Marine (scheduled personal property)
Added Water Damage
Several Property Extension Endorsements Available
Landlord Package Policy
Customizer
Ordinance & Law
Equipment Breakdown
Underground Utility Coverage

Liability Coverage

Comprehensive Personal Liability
Owners Landlords & Tenants
Medical Payments
Home Sharing
Business Liability (limited to specific classes)

Personal Lines Written Risks

Homeowners
Manufactured/Mobile Homes
Renters
Seasonal and Secondary Homes
Dwelling Fire (vacant and homes for sale )
Builders Risk
Landlord Package Policies (1-4 families)

General Personal Guidelines

Older homes & dwellings must have major systems updates within last 25 years
Homeowners: $150K – $1.2M Coverage A. Older homes with updates less than 25 years including PC-9. Newer homes, Log homes, Modular homes.
Seasonal & Secondary Homes: With or without primary home. ML-3 available based on underwriting requirements: winterization and low temp alarm.
Dwelling Fire: Includes vacant homes under $500K Coverage A. Basic coverage form typically.
Landlord Package Policies: 1 – 4 families. Can be written in corporate name, LLC, Trust, or Personal name

Personal Insurance

Property Coverage

Liability Coverage

Personal Lines Written Risks

General Personal Guidelines

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