Personal Insurance

Vehicle Telematics are a device, or an app on your mobile phone that tracks and reports your driving habits. Insurance carriers review this information, including how hard you break, how fast you accelerate, how much you drive and for how long, speed, and a variety of other recordable factors, to determine the risk that you will cause an accident. Depending on their finding you may get a discount on your insurance after a predetermined review period.

Learn More

The policy protects your home and possessions within your home along with other structures such as non-attached garages, tool sheds, etc. Liability claims involving bodily injury, property damage and medical payments to non-household members who are accidentally injured on your property are also covered.

The liability coverage of the personal insurance auto policy provides protection against legal liability arising out of the ownership or operation of an automobile. The insuring agreement agrees to pay damages for bodily injury or property damage for which the insured is legally responsible because of an automobile accident.

The Personal Umbrella Policy was designed to provide coverage in the event of a catastrophic claim, lawsuit, or judgment. Personal umbrella policies provide excess liability insurance over the insured’s basic primary policies, such as the homeowners, personal auto and boater’s policies.