Personal Insurance

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Auto insurance protects you financially if you are involved in an accident or your vehicle is damaged or stolen. It can cover damage to your vehicle, injuries to you or others, and damage you cause to someone else’s property. Most states require drivers to carry at least a minimum amount of liability coverage.

Home insurance protects your home and personal belongings from covered risks such as fire, theft, storms, and certain types of damage. It can also provide liability protection if someone is injured on your property. A typical policy may help pay to repair or rebuild your home and replace covered belongings after a loss.

Landlord insurance is designed for people who own rental properties. It generally covers the rental building against certain property damage and provides liability protection related to the property. Some policies may also provide coverage for lost rental income when a covered loss makes the property uninhabitable.

Renters insurance protects a tenant’s personal belongings inside a rental home or apartment. It can also provide liability coverage if the renter accidentally injures someone or damages someone else’s property. The landlord’s insurance generally covers the building, but not the renter’s personal possessions.

Umbrella insurance provides additional liability protection above the limits of certain underlying policies, such as auto or home insurance. It is designed to help protect your assets and future income from large liability claims or lawsuits. Coverage typically begins after the limits of the underlying policy have been exhausted.