PERSONAL RISKS

Homeowners Policies

A single policy has long been available to provide all of the essential property and liability insurance for owners of homes and tenants of residential buildings. Homeowners policies are designed for the owner-occupant of a home to cover the dwelling building, personal possessions (other than automobile and certain specifically excluded items) and personal liability. A policy may also be written to provide personal property and liability protection for apartment and dwelling renters and condominium and townhouse unit-owners. Endorsements are available to extend coverages for particular circumstances.

Inland Marine Coverages

The homeowners policy and dwelling forms cover most of the personal property owned by an individual but it does have significant limitations on certain types of property. The inland marine forms have been developed to cover these items.

Many of these items have high value relative to size; are especially vulnerable to loss or destruction; and very attractive for would be thieves.

Cameras and Photographic Equipment Coverage

Fine Arts Coverage

Golf Equipment Coverage

Jewelry and Furs Coverage

Musical Instruments Coverage

Silverware Coverage

Stamps, Coins and Paper Money Coverage

Other Classes Coverage

Personal Liability Coverages

All related persons living in the insured household are covered for liability claims against them. Excluded are incidents involving most business activities, motor vehicles and employees covered by workers compensation. Boats using outboard motors in excess of 25 horsepower must be declared for coverage to be applicable. Swimming pools are covered without extra charge. Medical payments, without regard to liability, are also included for members of the public injured on the premises or elsewhere by acts of the insured. Coverage needed for exposures not covered under the homeowners are:

Employers Liability or Workers Compensation

Home Based Business Coverage

Personal Injury Endorsement

Watercraft Liability Coverage

Specialty Coverages

Certain individuals have unique needs that are not met by the coverages listed above. The specialty coverages listed are available to meet these very important needs. A personal lines survey will help to identify the exposures that are not protected.

Aircraft Policies

All-Terrain Vehicles Coverage

Automobile Liability Excess Indemnity Policy

Cyber Liability Coverage

Kidnap/Ransom Extortion Coverage

Mountain Bikes/Dirt Bikes Coverage

Snowmobile Coverage

Unmanned Aerial Vehicles (UAV) (Drones) Coverage

Watercraft and Yacht Coverage