Personal Lines Insurance

The Following Products Are Available:

• Automobile Insurance
• Homeowners & Renters Insurance
• Life Insurance
• Landlords Insurance
• Watercraft Insurance
• Personal Acticle Floaters
• Snowmobile Insurance
• Motorcycle Insurance
• Recreational Vehicle (ATV) Insurance

Back in 1898 when the first U.S. automobile insurance policy was purchased, there were barely 100 cars on the streets, nationwide. Horses and carriages ruled the roads, and the main concern then for both insurers and auto drivers was any injury those noisy new machines might do to horses.

Today a motor vehicle accident occurs every second. Auto accidents cause an injury every 14 seconds and every 13 seconds a car accident results in a fatality. More than over 31 million accidents occur per year, at an annual cost of almost $100 billion. Theft and vandalism are other major perils facing drivers. In fact, every 20 seconds another vehicle is stolen.

With more than 150 million drivers and 160 million registered vehicles on the road today, auto insurance is the most widely purchased of all property-liability insurance. Drivers buy auto insurance for economic protection against theft, vandalism and other risks but few are familiar with the ins and outs of their particular policy.

Whether you are a first-time home buyer, a veteran of many years of mortgage payments and house upkeep, a condo owner or an apartment dweller, your household is one of some 90 million in the United States. Chances are your home is your single most expensive budget item and for the home or condo owner - your most valuable investment. Homeowners insurance is a "package" policy that covers both property - structures and personal possessions - and liability.

Because it is comprehensive, your homeowners insurance policy may include coverage you are not even aware of. If your luggage is stolen from a motel room while you are a thousand miles away from home, for example, you will of course want to notify the police. You will also want to check with your insurance agent about coverage for loss under your homeowners policy. And if your house burns down leaving you without a place to stay, your policy provides living expenses as well as reimbursement for damaged property.