Personal Auto Insurance

This covers you in the case of an accident and provides protection to you, your family and your personal vehicle. The personal auto insurance covers the following areas:

  • Liability: If you cause an accident and damage someone else’s vehicle or property then payments you are liable for are covered up to the policy limit you select. You are also cover for bodily injury damage that you have caused to others. The insurance also covers you for fee associated with lawsuits.
  • Collision: This is a general requirement if your car is financed or leased and it provides coverage in the instance if you damage your car in an accident, you damage someone else’s car or your car rolls-over.
  • Comprehensive: While collision only covers you in the case of a collision, the comprehensive coverage option also protects you in the events of theft, vandalism, damage caused by natural events and animals etc.
  • Medical Payments: Regardless of who was at fault, this option covers the medical expenses of any person present in your vehicle who got injured.
  • Uninsured/Underinsured motorist: This option covers for the medical and damages resulting from a motorist who has no or inadequate insurance.
  • Personal Injury Protection (PIP) also known as no-fault is designed to be paid without regard to “fault,” or legal liability. Some states mandate PIP on all Auto policies, hence higher premium compare to other states.

Factors that Affect Premium

Every insurance carrier rate factors differently, this is why premium can be so much different from one carrier to another. Here are some basic factors they look at:

  • Credit history
  • Driving record including years license obtained
  • Whether or not is currently insured
  • Homeowner vs Renter
  • Marital status
  • Type and model of Vehicle being insured
  • Age of drivers
  • Home address

In addition to these basic options, you can contact us to arrange additional options that will cater for your needs.

About umbrella insurance

If a mishap or event leads you to a situation where your basic options under auto and homeowners insurance exceed over limit, then umbrella insurance can rescue you by providing an extra layer of liability coverage. Umbrella insurance provides you with the following coverage

  • An additional $1m to $10m of liability coverage that protects assets such as home, car, boat and investments.
  • Also provides coverage for claims pertaining libel, slander, defamation of character and invasion of privacy.
  • Also aids in coverage for defense costs and legal fees associated with lawsuits etc.

The coverage described above is also extended towards international occurrences.

About Valuable item insurance

The homeowners’ insurance policy may not fully cover the value of valuable items and this option provides full coverage for your valuable items.

Valuable items considered for cover are

  • Jewellery and engagement rings
  • Silverware, china and crystal
  • Antiques
  • Fine Art
  • Stamp and coin collections
  • Bicycles
  • Trophies
  • Sound equipment (recorders)
  • Sports equipment (archery, camping, fishing, skiing)
  • Wedding gifts
  • Cameras
  • Computers
  • Musical instruments
  • Golf Equipment
  • Furs
  • Guns
  • Pedigreed dogs
  • Garden tractors
  • Political campaign collections

We offer two different options for valuable items coverage

Personal Articles Floater

  • Bring peace to your mind given the assurance that your most valuable items and belongings are appraised and insured to value
  • Provides distinct protection just for valuables
  • Policies can be purchased in separation
  • No deductible and insures against many risks
  • Ideal in the instance where expensive items exceed the homeowner’s policy

Valuable items Plus

  • Additional coverage to homeowners’ policy for higher limits on valuables
  • Insures the value of the entire property collectively
  • No deductibles and insures against many risks