Personal Insurance

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Concklin Insurance offers personal insurance coverage such Auto, Home, and Personal Umbrella.

It’s always comforting to have peace of mind in knowing your family and your assets are safe. Concklin Insurance provides unique personal insurance solutions that protect your family’s daily life.

 


Personal Insurance Coverages:

Homeowners Insurance

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.

Auto Insurance

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.

Personal Umbrella Insurance

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.


Things to consider when purchasing Personal Insurance:

umbrella insurance policy

Is an Umbrella Insurance Policy Right for You?

One major lawsuit can have the potential to drain a bank account and leave those involved with nothing — even if the incident was a complete accident. Therefore, nearly every state requires drivers to carry auto liability insurance and many protect their property with homeowners liability insurance. However, basic coverage might not be enough in […]

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What’s the Difference Between ‘Replacement Cost’ and ‘Actual Cash Value’ Insurance Policies?

The worst has happened: Someone stole your car and stripped it to pieces! Now, all you’ve got left are fond memories of your slick ride and an insurance policy claim to file. All you want to do is put this whole ordeal behind you, buy a new car, and never look back. But will your […]

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Vehicle Telematics: Myths, Facts, and Benefits Every Driver Should Know

Insurance companies have used vehicle telematics for about two decades now as a way to bring more transparency and accountability to auto policyholders. Telematics are most commonly associated with the little modules that plug into your car’s Onboard Diagnostics Port (OBD-II), which relay driving data to insurance providers. Today, many insurance companies offer plug-and-play solutions […]

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Homeowners Insurance Summer Vacation Checklist

You’ve checked your auto and travel insurance policies and know you’re covered while on vacation, but what about the home you’ll be leaving behind? Burst pipes, broken appliances, and burglaries are easy potential hazards for those excited about upcoming trips to forget about. Fortunately, they’re easy to prevent, and this checklist can help make such […]

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Home-Sharing Services: Do You or Those Who Rent Your Home Need Insurance Coverage?

The sharing economy has brought about business model innovations, allowing people to monetize underutilized assets including cars, storage space, gear, and living space by renting them out. While this can create exciting opportunities, it can also present risks — particularly when it comes to home sharing. Having the proper insurance can help reduce those risks. […]

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