Automobile Insurance: Auto policies typically cover repair of physical damage, payments for medical expenses, and liability protection. A separate policy is often used to cover recreational vehicles such as motor homes, golf carts, snowmobiles, trailers, ATV's or campers.
Boatowner Policies: Like auto policies, coverages are packaged to include both liability and property coverages. Some boat insurance carriers exclude hurricane damage to your vessel, so be aware of all coverages being offered in your quote.
Motorcycle Policies: Similar to auto policies, with the big difference being the exclusion of PIP coverages. Other endorsements are available, such as towing reimbursement, medical payments and customization coverage.
Umbrella Policies: A personal lines umbrella policy provides excess liability coverage over and above the liability protection provided on your home and auto policies. Umbrella coverage amounts usually range between one to three million. Umbrella coverages are triggered by the same perils as your underlying policies, with a few exceptions. Some umbrella carriers provide optional coverages such as excess uninsured motorist coverage. Remember, you don't have to be a millionaire to be sued like one!
Flood Insurance: Flood insurance is provided through a separate policy. The federal government stands as the ultimate guarantor for flood policies.
