Personal coverage,
explained in plain English
A closer look at the core pieces of a well-built personal insurance program. Every household is different — this is where we start the conversation.
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Homeowners Insurance
Your home is likely your largest asset — the right policy protects the structure, your belongings, and you, if someone is ever injured on your property.
- Dwelling, other structures, and personal property coverage built to true replacement cost
- Personal liability and medical payments protection for guests and accidents on your property
- Loss-of-use coverage so you're taken care of if you're ever displaced from your home
- Optional endorsements for water backup, service line, and equipment breakdown
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Primary Personal Auto
Liability, collision, and comprehensive coverage for your everyday vehicles — shopped across carriers so you're not overpaying for the coverage you actually need.
- Bodily injury and property damage liability limits built to protect your assets, not just meet the minimum
- Collision and comprehensive coverage for repair or replacement of your vehicle
- Uninsured/underinsured motorist protection and rental reimbursement
- Multi-vehicle and multi-policy bundling discounts across your household
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Personal Umbrella / Excess Liability
An affordable extra layer of liability protection that sits above your home and auto policies, guarding your savings and future earnings from a serious lawsuit or judgment.
- Additional liability limits in $1M increments, layered over your existing policies
- Coverage that follows you — auto accidents, property incidents, even some personal injury claims like libel or slander
- Broader worldwide protection than most underlying policies provide on their own
- Especially important for households with teen drivers, rental properties, pools, or higher net worth
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Jewelry, Fine Art & Valuables
Standard homeowners policies cap what they'll pay for jewelry, watches, art, and collectibles. Scheduled personal property coverage insures these items at their real, appraised value.
- Agreed or appraised value coverage for engagement rings, heirlooms, and fine jewelry
- Coverage for fine art, wine, musical instruments, and collectibles
- No deductible on most scheduled items, with worldwide coverage for loss, theft, or mysterious disappearance
- We'll help you get items appraised and scheduled correctly from the start
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Landlord & Investment Property Insurance
A standard homeowners policy isn't built for a property you rent out. Dwelling fire and landlord policies protect the structure, your rental income, and your liability as a landlord.
- Dwelling and other-structures coverage built for a non-owner-occupied or rented property
- Loss-of-rents coverage if the property becomes uninhabitable after a covered loss
- Landlord liability protection for injuries or damage tied to the rental unit
- Portfolio and multi-property programs for landlords with more than one investment property
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Workers' Comp & EPLI for Domestic Staff
If you employ a nanny, housekeeper, caregiver, or estate staff, you take on employment exposures that fall outside a standard homeowners policy. Household employee coverage closes that gap.
- Workers' compensation coverage for injuries sustained by household employees on the job
- Employment Practices Liability (EPLI) for claims of wrongful termination, harassment, or discrimination
- Guidance on state-specific requirements for nannies, housekeepers, and estate staff
- Protection that a standard homeowners liability policy typically excludes outright
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Life Insurance & Disability Income
Life insurance protects your family if you're gone. Disability income insurance protects your family's finances if an illness or injury keeps you from working — a risk that's often overlooked.
- Term and permanent life insurance sized to your family's income replacement needs
- Short- and long-term disability income coverage to protect your paycheck
- Coverage for self-employed individuals and business owners without an employer group plan
- Policy reviews as your family, income, and mortgage change over time
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