Personal Lines


Personal Lines Information

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:

  • Home insurance: This is a policy designed to assist with expenses related to certain hazards, such as fire, hurricane and theft, which can devastate or damage a home or its contents. Home insurance also covers the liabilities homeowners have so that when someone is hurt on their property, they can rely on their policy for medical costs, legal costs and damages.
  • 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.
  • 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. 
  • Farm PoliciesWhile farms need the standard types of insurance policies that other businesses need, such as property insurance and general liability coverage, they also need insurance that is specifically related to the business they run.
  • Flood PoliciesThere's something you should know: Flood losses are not covered by your homeowners insurance policy.
  • Life PoliciesThere are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
  • Mexico Travel Policies: Whether you are going for a day or a week, you need specific auto insurance if you plan on driving in Mexico
  • RV PoliciesRecreational vehicles do more than just carry you from one place to another; they transport you with an eye toward maximum fun and/or comfort along the way.
  • Boat/Watercraft PoliciesHome and auto insurance policies may provide limited coverage for personal watercraft. Additional coverage can also be purchased for trailers and other accessories.
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