Personal Insurance

Personal Insurance for Your Financial Protection

Homeowners insurance and auto insurance provide the foundation for protecting your family and your financial future. We take a common sense approach that starts with getting to know you and your unique needs. We offer a comprehensive suite of personal insurance products including:

  • Motorcycles
  • Recreational Vehicles
  • Boats and PWCs
  • Personal Umbrella Coverage
  • Flood Insurance

With access to over 20 financially strong regional and national insurance companies, you have options and we’ll help you find the best coverage for you and your family at a competitive price.

Talk to us about your personal insurance

Give us a call if you have any questions or would like a quote.

Get in Touch

Learn more about personal insurance

What you need to know about filing a homeowners claim

The homeowners’ insurance claims process often comes along with extra stress and uncertainty. Filing a claim with your insurance company means you’ve suffered an unexpected loss or damage to your home and getting your life back to normal is your number one priority and our priority too. To take away some of the hassle and

What is Umbrella Coverage?

Personal Umbrella Coverage Let’s say you have a policy for your home and your family’s cars. You have just the right policy for the apartment you rent out to others as well as coverage for your boating excursions. Your homeowner’s policy even has a special, added protection for the business that your spouse runs out

What is a basic automobile policy?

Your auto policy may include six coverages. Each coverage is priced separately. 1. Bodily Injury Liability This coverage applies to injuries you, the designated driver or policyholder cause to someone else. You and family members listed on the policy are also covered when driving someone else's car with their permission. 
It's very important to have enough

Tips for Adding a Teen Driver

As a parent, watching a teen learn to drive and gain independence is exciting and scary at the same time. Having a new teen driver at home adds worry and concern for parents. There’s the logistics of finding a car for them to drive or coordinating the use of a family car, figuring out who will

Swimming Pools, Trampolines… What’s An Attractive Nuisance?

What Is An Attractive Nuisance? This is a term originated by a judge to describe a property that attracts youngsters and, because of its dangerous nature, creates a special obligation to property owners. Examples are: swimming pools trampolines empty buildings appliances kept outside excavations construction materials zip lines All of these can lure children onto

Save Money on Your Homeowners Insurance Without Sacrificing Coverage

Your home is your most valuable asset, so you want to be certain your homeowners’ insurance provides you with adequate coverage in an emergency. With so many things that can go wrong with your prized possession, you don’t want to scrimp on your insurance, but you also want to ensure that you get the best

Personal Umbrella Protection for Coaches and Volunteers

Play Ball and Grab an Umbrella! A new season of youth sports is upon us. It’s an exciting time as some kids transition from one sport to another or they continue on with the one sport they love. As a parent or volunteer, it’s an exciting time as well as leagues and organizations gear up

If Personal Items are Stolen from my Car are they Covered?

No one is immune to having their cars broken into. What many people don’t know is that theft of personal items from your car is not covered by your auto insurance. Are you surprised? Let me explain. Theft of personal items from your car can happen at any time or anyplace. In fact, it’s common

How can I afford my New Teen Driver

Young drivers are expensive to insure. Such drivers, particularly teenagers, frequently cause traffic accidents because of their lack of experience and because, due to their youth, they tend to be distracted, risky drivers. If your household is about to add a new driver, make sure that he or she understands that, besides endangering themselves and

Get the Facts About Insuring Your Valuables

Insuring High-Value Items High-Value Items Insurance provides coverage for expensive, high-value items you own. People who possess high-value items such as expensive jewelry, furs, antiques, or firearms, may need additional coverage. While your Homeowners Policy provides the first level of protection for lost, stolen or damaged property, it has limitations to the amount and type of

Factors That Determine Your Car Insurance Premiums

Most people wait until they purchase a car to find insurance for it. They might even shop around trying to find the best rates. Unfortunately, quite a few aspects related to buying a car predetermine how much you are going to pay for your monthly premiums. Once you purchase that car you may find there’s

Dog Ownership and Your Insurance

Insurance and Dog Bites Dogs make great companions, playmates, and protectors; they also continue to be a problem for insurers. Nearly two million people are bitten by dogs each year with around 800,000 persons requiring professional medical treatment for their wounds. Each of these incidents is a potential lawsuit. Have Teeth, Will Bite Nearly 40%

Do I Need Insurance to Rent a Car?

When renting a car, you need insurance. If you have adequate insurance on your own car, including collision and comprehensive, this may be enough. Before you rent a car: 1. Contact your insurance company. Find out how much coverage you have on your own car. In most cases, the coverage and deductibles you have on

Controlling Car Insurance Costs

You may be frustrated with car insurance premiums and factors that cause increases, such as: Your insurance company’s overall loss experience (due to more claims) The increased value of newer model cars, particularly SUVs and models with smart car features Increases in judgment amounts awarded in auto lawsuits Increased business processing and administrative expenses Auto

Collision and Comprehensive Auto Coverage Provides Extra Protection

What does it mean to have full auto coverage? Full coverage includes liability, collision and comprehensive insurance. In most states, the law requires motorists to have liability coverage. New Hampshire is one of a few states that doesn’t require drivers to have auto insurance. Liability insurance covers accidents where you are at fault. It covers property damage

Cancellation vs. Non-Renewal of Your Auto Policy

The difference between a canceled and non-renewed auto policy. There is a big difference between when an insurance company cancels a policy and when it chooses not to renew it. Insurance companies cannot cancel a policy that has been in force for more than 60 days except: If you fail to pay the premium. You

Auto Insurance Overview

Your auto policy may include six coverages. Each coverage is priced separately. 1. Bodily Injury Liability This coverage applies to injuries you, the designated driver or policyholder cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission. It’s very important to have

Auto Insurance for Leased Cars

If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will require you to buy collision and comprehensive coverage. You’ll need to buy these coverages in addition to the others that may be mandatory in your state, such as auto

6 Reasons Why Your Insurance Premiums Go Up

Common reasons why your insurance rates have increased. 1.  A rate increase by your insurance company. 2. Multiple small claims 3.  One or more large claims 4.  A change in your household such as: A new driver in your household A home addition or remodel Addition of a swimming pool or trampoline A new family dog

How can we help you?     File a Claim   |   Pay a Bill    |    Get a Quote