Personal lines
Auto
Liability Coverage (Bodily Injury & Property Damage): Pays for damages and legal fees if you are at fault for an accident that harms others or their property.
Collision Coverage: Covers repairs to your vehicle after a collision with another vehicle or object, regardless of fault.
Comprehensive Coverage: Protects against non-collision damages, such as theft, fire, vandalism, or hitting an animal.
Personal Injury Protection (PIP) / Medical Payments: Covers medical bills for you and your passengers, and in some cases, lost wages or funeral costs, often regardless of who is at fault.
Uninsured/Underinsured Motorist Coverage: Protects you if you are in an accident caused by a driver who lacks sufficient insurance.
Added Protections: Policies may offer rental car reimbursement, roadside assistance, or new car replacement coverage.
Home
Dwelling Coverage: Protects the physical structure of your home, including walls, roof, and attached structures like garages, from covered hazards.
Personal Property Coverage: Reimburses or replaces personal belongings—such as furniture, electronics, and clothing—if they are stolen or damaged.
Liability Protection: Protects you financially against lawsuits for bodily injury or property damage to third parties, which can cover legal costs, settlements, and medical bills.
Additional Living Expenses (ALE): Covers costs for temporary housing, food, and other living expenses if a covered loss (like a fire) forces you out of your home while it is being repaired.
Other Structures Coverage: Covers damage to detached structures on your property, such as sheds, fences, or guest houses.
Peace of Mind: Offers financial security, ensuring you can rebuild or repair your home without significant financial strain.
Motorcycle / ATV
Equal coverage to car coverage by adding the following:
Trailer Coverage: Protection for the trailer used to transport your ATVs.
Cargo/Gear Coverage: Covers equipment like hunting gear or camping equipment carried on the ATV.
Wreckage Removal: Covers costs to remove your vehicle after an accident.
Renters
Personal Property Coverage: Reimburses you for damaged, stolen, or destroyed belongings—such as electronics, furniture, and clothing—due to covered perils like fire, theft, vandalism, or water damage.
Personal Liability Coverage: Protects you if you are legally responsible for bodily injury to guests or damage to others' property (e.g., a visitor slips and falls in your apartment).
Additional Living Expenses (ALE): Covers costs for hotel stays, meals, and temporary housing if a covered loss forces you to move out.
Medical Payments Coverage: Pays for medical bills for guests injured in your home, regardless of fault.
Affordability & Requirements: Policies are generally low-cost, and often required by landlords.