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Personal Insurance

The Phoenix Company has a long history of helping our clients protect what matters to them the most, their personal assets!  There are many decisions to be made and often times it can be very confusing for the individual.  In a partnership with The Phoenix Company, we work with our clients to develop a personalized plan to protect your assets. 

By representing multiple insurance companies, we are able to put together various programs that are specific to your needs. We're here and ready to go to work for you!

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HOMEOWNERS (Homes, Condos, Renters) INSURANCE is coverage for the structure and/or contents as well as liability coverage.
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AUTOMOBILE & MOTORCYCLE INSURANCE is liability coverage for bodily injury and property damage and physical damage coverage.

UMBRELLA INSURANCE is protection above and beyond your primary insurance policies for the protection of your assets. 

DWELLING INSURANCE is similar to homeowners insurance with coverage for the structure and/or contents and may include liability coverage.

PERSONAL ARTICLES INSURANCE is broader coverage for items such as jewelry, silver, fine arts, guns, computers, etc. added to a homeowners policy or written on a separate policy.

RECREATIONAL VEHICLE (Motorhome, Travel Trailer, ATV) INSURANCE is similar to automobile insurance with liability coverage for bodily injury and property damage and physical damage coverage.

WATERCRAFT INSURANCE is liability coverage for bodily injury and property damage and physical damage coverage.

FLOOD INSURANCE as referred to in the Standard Flood Insurance Policy is defined as:

A general and temporary condition of a partial or complete inundation of two or more acres of normally dry land areas or of two or more properties (at least one of which is the policyholders’ property) from:

  1.  The overflow of inland or tidal waters
  2. The unusual and rapid accumulation or run off of surface waters from ANY source or
  3. Mudflow – a river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of water. Other earth movements, such as landslide, slope failure, or a saturated soil mass moving by liquidity down a slope, are not mudflows. A mudslide is different from a mudflow and mudslides are not covered. Basically, the difference is the ratio between water and dirt.

The collapse or subsidence of land along the shore of a lake or other body of water as a result of erosion or undermining caused by waves or current of water exceeding anticipated cyclical levels that result in a flood as defined in #1 above.

 

Disclaimer:  Please note that this website does not serve as official insurance information. Please refer to your policy for policy terms, coverage, and/or conditions. Any material presented on our website is for informational purposes only and should not be considered legal advice. Please be advised that we cannot bind, terminate, or confirm coverage through our website or via voice mail, e-mail, or fax, you must speak with a licensed agent.