Personal Insurance

Standard Homeowners (HO3/HO5): Comprehensive coverage for your primary residence and personal belongings.

High-Value Homeowners: Specialized policies for estates valued at $750k+, covering custom architecture and high-end finishes.

Condominium Insurance: Interior structure and personal property protection for condo owners.

Renters (Tenant) Insurance: Liability and personal asset protection for those leasing their home.

Secondary & Vacation Homes: Coverage for seasonal properties and out-of-state residences.

Landlord & Rental Property: Protecting owners of passive income properties.

Flood & Earthquake Insurance: Essential supplemental coverage not found in standard home policies.

Standard Auto Insurance: Liability, collision, and comprehensive for daily drivers.

Collector & Classic Car: Agreed-value coverage for vintage, antique, and exotic vehicles.

Motorcycle & Off-Road: Coverage for bikes, ATVs, UTVs, and snowmobiles.

Recreational Vehicle (RV) & Motorhome: Specialized protection for life on the road.

Personal Watercraft (PWC): Coverage for Jet Skis and Sea-Doos.

Yacht & Luxury Marine: Specialized risk management for high-value boats and coastal vessels.

Personal Umbrella Liability: Excess protection (starting at $1M+) to shield your assets from major lawsuits.

Identity Theft Protection: Coverage for credit restoration and financial fraud recovery.

Domestic Staff Liability: Workers’ comp and EPLI for household employees (nannies, chefs, housekeepers).

Jewelry & Watches: Protection against loss, theft, or "mysterious disappearance."

Fine Art & Antiques: Specialized valuation for unique collections.

Collectibles: Protection for wine collections, coins, stamps, and high-end electronics.

Term Life Insurance: Pure protection for a specific period (10, 20, or 30 years).

Permanent Life (Whole/Universal): Life-long coverage with a cash-value accumulation component.

Disability Income Protection: Safeguarding your ability to earn an income if you are injured.

Travel Insurance: Medical and cancellation protection for international or domestic trips.