1) Automobile Insurance: Owning
and operating vehicles poses one of the most riskiest activities. A vehicle is a heavy moving object that can either
cause bodily injury to people, damage to others property, damage to your own vehicle and many other related losses.
Reviewing your Automobile coverage for the proper amount of limits is essential to help protect your personal assets.
2) Homeowners & Renters Insurance: A Homeowners
or Renters Insurance Policy covers a very broad number of losses. From property losses to various liability exposures,
a Homeowners Policy can provide coverage for your valuables and help protect your personal assets. A review of your
personal exposures will help ensure the right coverages for you and your family. If you own a Home, Condo or just rent
an apartment, it is critical for you to ensure that your valuables are insured.
3) Second Home, Dwelling or Rental Property Insurance: If you own a Second home or
a dwelling that you rent to others, then you have additional liability and property exposures that must be properly protected.
4) Personal Umbrella Liability:
This is an extra liability policy that covers over your Automobiles, Homeowners, Second Homes, Watercraft and other liability
exposures. Your Auto and Home policies usually only cover up to $1,000,000 in limits, but depending on your needs, an
Umbrella Liability policy can provide significantly more coverage to help protect your personal assets.
5) Personal Property Schedules: Although a Homeowners
policy is very broad in its coverage, there are many exclusions and many limitations to coverage. For special valuables
like Jewelry, Antiques, Fine Arts, Collectibles, Computers, Bicycles and other unique and valuable items, it is wise
to consider a special Schedule to cover these items. By Scheduling these items, you specifically list the items
description and value with the Insurance Company. Usually there is a lower deductible and broader coverage than is provided
under the Homeowners policy, and the premiums can be very reasonably priced.