Personal Insurance

Auto insurance helps protect you from financial loss after a covered vehicle-related incident.

Why coverage matters

• Financial protection: It can help with medical expenses, vehicle repairs, property damage, and legal costs after a covered accident.
• Legal requirements: Most states require drivers to maintain minimum auto liability coverage.

Common coverage options

• Liability coverage
• Collision coverage
• Comprehensive coverage
• Medical payments or Personal Injury Protection (PIP)
• Uninsured and underinsured motorist coverage

Rates can vary based on your driving history, age and experience, vehicle, location, coverage limits, and deductible.

Boat insurance can help protect your boat and provide financial protection if you cause covered damage or injury while operating it.

Common coverage options

• Liability coverage
• Hull coverage for damage to the boat
• Medical payments coverage
• Uninsured or underinsured boater coverage
• Trailer coverage

Cost can depend on the type and value of the boat, its age and condition, where you boat, your experience, and the coverage you select.

Standard homeowners and renters policies generally do not cover flood damage. Flood insurance is a separate policy designed to cover physical damage caused by flooding.

Coverage may include

• Building coverage: The structure of your home, including permanently installed fixtures.
• Contents coverage: Personal belongings such as furniture, appliances, and clothing.

Premiums can depend on location, elevation, coverage amount, and deductible. Flood policies may also have waiting periods before coverage takes effect.

Homeowners insurance helps protect your home and belongings from covered losses and can provide liability protection.

Typical coverage

• Dwelling coverage
• Personal property coverage
• Personal liability coverage
• Loss of use or additional living expenses
• Other structures on the property

Standard homeowners policies typically exclude certain events such as flooding and may require separate coverage for specific risks.

Inland marine insurance can protect valuable property that is movable, transported over land, or temporarily away from its usual location.

Examples of property it may cover

• Property in transit
• Construction tools and equipment
• Medical equipment
• Fine art and musical instruments
• Computers, electronics, jewelry, and other valuables

This coverage can help fill gaps where standard property policies place limitations on property that moves or is transported.

Motorcycle insurance helps protect your bike, you, your passengers, and others on the road from covered losses.

Common coverage options

• Liability coverage
• Collision coverage
• Comprehensive coverage
• Medical payments or PIP where available
• Uninsured and underinsured motorist coverage

Rates can depend on riding history, age and experience, motorcycle type, location, and selected coverage.

RV insurance is specialized coverage for motorhomes, travel trailers, campers, and other recreational vehicles.

Coverage may include

• Liability, collision, and comprehensive coverage
• Medical payments
• Uninsured or underinsured motorist protection
• Personal property coverage
• Roadside assistance
• Vacation liability

Coverage needs and pricing can vary depending on the type of RV, how it is used, driving history, location, and selected limits.

Umbrella insurance provides an additional layer of liability protection above qualifying underlying policies such as auto or homeowners insurance.

It may help with

• Bodily injury liability
• Property damage liability
• Certain personal liability claims such as libel or slander
• Covered legal defense costs

Umbrella coverage generally does not cover your own property losses, intentional acts, or business and professional liabilities that require separate policies.

Life insurance can help financially protect the people who depend on you. Two common options are term life and whole life insurance.

Term life insurance

Provides coverage for a specific period, such as 10, 20, or 30 years. It is generally more affordable and does not build cash value.

Whole life insurance

Provides lifelong coverage as long as required premiums are paid and includes a cash value component that can build over time. The right option depends on your budget, coverage needs, and long-term financial goals.

Special events insurance can help protect the financial investment in an event such as a wedding, party, concert, conference, fundraiser, or corporate gathering.

Coverage may include

• Event cancellation or postponement
• Event liability for covered property damage or bodily injury
• Damage to rented property
• Optional protection for certain vendor issues, gifts, or special attire

Coverage can be useful for individuals, businesses, nonprofit organizations, and event planners. Pricing depends on the type of event, location, attendance, and selected coverage.