Personal Insurance

In the most generic terms, Personal Insurance covers you in the event of an accident that results in property damage or bodily harm for which you, or your personal property, are found liable.  This coverage could include payment of medical bills, lawsuits, replacement costs, and more.

You rely on your insurance agent to assist you with finding solutions that protect you and your property.  Concklin insurance agency offers a full range of automobile and home insurance solutions, along with loss prevention, health and safety tips to help minimize claims, reduce your personal risks and promote your well-being by reducing the stress involved in making these important decisions.  

We are here to help.  From finding the right coverage for your needs, to advocating on your behalf should a claim occur. 

Our insurance professionals can assist you in selecting the most comprehensive coverage from A+ rated insurance companies. We are honored to represent more than 30 highly rated Insurance Companies.  This allows us to find solutions that best fit your needs and your budget by comparing a wide range of options.

Your dedicated account manager will work with you every step of the way.  We hope you don't have a claim, but if you do you can count on us to help you through it.  We make it our top priority to get you back to "normal life" as quickly as possible.

 

For more information on specific coverage types please see the articles below or contact one of our knowledgeable insurance professionals.

 

Personal Auto Insurance protects you against financial loss in the event of an accident or theft.  Basic personal auto insurance is mandated by most U.S. states, and laws very.  Nearly every state requires car owners to carry Bodily Injury Liability and Property Damage Liability.  In addition there are other coverage policies that may be mandated by your state or, if you are financing your vehicle, be required by your lender such as Medical payments or Personal Injury Protection (PIP) and Uninsured Motorist Coverage.

If you own the home you live in you should consider getting a Homeowners insurance policy.  These policies combine property insurance and liability insurance into one packaged policy.  Most standard policies include four types of coverage: Structure, Personal Property, Liability and Loss of Use / Additional Living Expense. Additional coverage and limits can be added to your policy depending on your unique needs.

If you rent your home you might be surprised to learn that your landlord's insurance policy doesn't cover you or your personal property, which is why having your own renter's policy is so important. Renter's insurance works a lot like homeowner's insurance. It includes three major types of financial protection to keep you financially secure in the event of a covered peril.

Your Individual Condo Insurance policy is very similar to Renter's Insurance as it typically covers your personal property, liability and Loss of Use / Additional Living Expenses and excludes the physical structure of the condo. However, unlike renter's insurance, individual condo insurance is more likely to be required.  Condo associations often have by-laws which dictate the minimum coverage the condo owner must secure for their unit.  This is to protect the value of the property as a whole.

Personal Umbrella Insurance is a type of liability coverage that will kick in if you find yourself liable for a claim larger than your homeowners insurance, personal auto insurance, or boat insurance policy will cover.  This policy extends to cover your family or others in your household. However, different companies may have different parameters for who is covered, so make sure you discuss this with your agent.

Sail boats
Boat insurance policies can vary depending on your needs and risk assessment.  A typical policy will protect your boat against theft, damage caused by a collision, damage caused by striking a submerged object and property damage caused by windstorms, lightening and vandalism. 

The insurance industry calls Jet Ski, Wave Runner, and Sea-Doo “personal watercraft,” or “PWC,” and classifies them into two types: stand-up PWCs used by a single rider who stands or kneels while operating and sit-down PWCs used by one or more riders who sit while operating. Most insurance companies that offer boat insurance also offer PWC policies.

Pets are part of the family so when it comes to their care, we want only the best. However, pet medical expenses can be prohibitive. An accident or emergency could lead to thousands of dollars in unexpected costs. The decision is heart wrenching.  Which is why Concklin Insurance Agency is happy to announce our latest Pet Insurance program.  Similar to healthcare for humans, we now offer several affordable pet insurance plans that cover routine checkups, emergency visits and everything in between.