Personal Lines

When insurance is focused on protecting the financial interests of an individual or family, rather than a corporate or non-profit entity, it is considered to fall within the personal lines of insurance. There are many different types of protection offered within personal lines. These include:

• Auto insurance: Required by law in most states, auto insurance provides protection to both vehicle owners and individuals who are injured or experience property damage at the hands of drivers. Auto insurance policies can be structured to cover the damages of the insured’s vehicle through comprehensive and collision coverage as well as uninsured/underinsured motorist coverage. A policy must also meet the minimums of each state’s laws by providing bodily injury and property damage liability coverage that protects those who might be unintentionally injured or damaged by the insured.
• Motorcycle Insurance: You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:
-If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
-If you or a passenger is injured in an accident, medical costs can be extremely expensive.
-If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
Your motorcycle may be one of your most prized possessions. It deserves special protection.

• Renters insurance: When renting an apartment, an individual may not need to provide insurance to protect the structure itself, but they do need coverage for their personal contents since the landlord does not cover those. Additionally, they should secure liability insurance to cover medical costs and damages in the event a visitor is injured while in their apartment.
• Umbrella policies: When the liability limits of other personal policies aren’t enough, individuals can purchase an umbrella policy to provide $1 million or more in additional liability coverage. Just one umbrella policy effectively increases the liability limits of each of the insured’s other policies.