Coverage Options & Packages

Homeowners Insurance

A homeowners policy responds to physical damage to your main residence from covered events such as fire, lightning, severe wind, vandalism and water damage caused by a burst pipe inside the walls.

• ✓ Structure Cover: Pays to repair or rebuild the main building after a covered loss.
• ✓ Contents Cover: Protects furniture, clothing, electronics and other items inside the home.
• ✓ Personal Liability: Covers costs if a visitor is injured on your property.

Tenant & Renters Insurance

Your landlord covers the building itself, yet nothing protects the belongings you bring into a rented unit. A renters policy closes that gap for a modest monthly amount.

• ✓ Belongings Cover: Safeguards electronics, clothing and gear kept in your rental.
• ✓ Additional Living Costs: Helps with temporary housing if the unit cannot be used.
• ✓ Premises Liability: Covers accidental damage to property or injury to a guest.

Auto & Vehicle Insurance

Meet the minimum financial responsibility rules for your state while shielding cars, trucks and SUVs from collision damage, theft, storm-related loss and third-party claims.

• ✓ Collision & Comprehensive: Pays repair costs after a crash, theft, vandalism or falling-object damage.
• ✓ Injury Liability: Covers treatment and related costs billed to other people after an accident.
• ✓ Uninsured Driver Cover: Steps in when an at-fault motorist carries too little insurance.

Property & Real Estate

Built for landlords, investors, office owners and retail property holders who want to safeguard capital assets and the structures themselves.

• ✓ Asset Protection: Covers multi-unit residential and commercial real estate.
• ✓ Rental Income Cover: Reimburses rent lost during mandatory repairs after a covered event.
• ✓ Ordinance Endorsements: Helps satisfy updated local construction standards.

Small Business Insurance

Keep commercial operations covered against unexpected claims from clients, damage to your premises and interruptions that stop your revenue.

• ✓ General Liability: Covers third-party injury and advertising-related claims.
• ✓ Business Owner Policy: Bundles general liability and commercial property into a single package.
• ✓ Business Interruption: Replaces lost net income while operations are forced to stop.

Travel Insurance

Travel with the knowledge that your trip costs, urgent assistance while abroad and disrupted flights are covered by a flexible travel policy.

• ✓ Cancellation & Delay: Refunds non-refundable trip costs when a covered disruption occurs.
• ✓ Emergency Care Abroad: Handles sudden illness, injury and evacuation costs overseas.
• ✓ Baggage Cover: Reimburses personal items that are lost, stolen or damaged.