Personal Insurance

Personal insurance includes coverage options like home, auto, renters, and life insurance that protect your financial well-being from unexpected events such as accidents, theft, or natural disasters. Having the right policy ensures you’re not left paying out of pocket for damages or liability claims.

A standard home insurance policy typically includes dwelling coverage, personal property protection, liability insurance, and additional living expenses (ALE) if your home becomes unlivable. Depending on your location, you may also need flood insurance or earthquake insurance as separate policies.

Auto insurance provides financial protection against accidents, theft, and damage. A comprehensive policy includes liability coverage, collision coverage, uninsured/underinsured motorist protection, and medical payments coverage, ensuring you’re covered in any situation.

Yes! Your landlord’s policy only covers the building itself, not your belongings. Renters insurance protects your personal property from fire, theft, and water damage while also providing liability coverage in case someone is injured in your rental unit.

Term life insurance provides coverage for a set number of years (10, 20, or 30 years) and is typically more affordable. Whole life insurance lasts your entire lifetime and includes a cash value component that grows over time. The best option depends on your financial goals and family’s needs.

You can reduce your insurance premiums by bundling multiple policies, maintaining a good credit score, raising your deductible, and qualifying for discounts like safe driver, security system, or claims-free discounts.

Yes! Bundling home and auto insurance with the same provider can save you up to 25% on your premiums. It also simplifies your policies and makes managing your coverage easier.