Personal Insurance

Protecting you and your family with comprehensive personal insurance coverage tailored to your lifestyle and needs.

Auto Insurance

Comprehensive auto insurance coverage to protect you, your family, and your vehicles on the road. From liability to comprehensive coverage, we've got you covered.

Coverage Options:

  • • Liability coverage (required by NY state)
  • • Collision and comprehensive
  • • Uninsured/underinsured motorist
  • • Personal injury protection (PIP)
  • • Rental car reimbursement
  • • Roadside assistance
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Money-Saving Tips

  • • Multi-car discounts
  • • Safe driver discounts
  • • Bundling with home insurance
  • • Good student discounts
  • • Anti-theft device discounts
  • • Defensive driving course credits

What's Protected

  • • Dwelling coverage
  • • Personal property
  • • Liability protection
  • • Additional living expenses
  • • Medical payments to others
  • • Detached structures

Homeowners Insurance

Protect your most valuable investment with comprehensive homeowners insurance. Coverage for your home, belongings, and liability protection for your family.

Coverage Types:

  • HO-3: Most comprehensive homeowners policy
  • HO-5: Premium coverage with open perils
  • HO-6: Condo insurance
  • HO-4: Renters insurance
  • HO-8: Older home coverage
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Life Insurance

Secure your family's financial future with life insurance coverage. Whether you need term life for temporary needs or permanent coverage for lifelong protection.

Types Available:

Term Life Insurance

Affordable coverage for specific time periods (10, 20, 30 years)

Whole Life Insurance

Permanent coverage with cash value accumulation

Universal Life Insurance

Flexible premiums and death benefits with investment options

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How Much Do You Need?

A general rule of thumb is 10-12 times your annual income, but your needs depend on:

  • • Outstanding debts and mortgages
  • • Children's education costs
  • • Final expenses
  • • Income replacement needs
  • • Existing savings and investments

Personal Umbrella

Extra liability protection that goes beyond your auto and home insurance limits. Affordable coverage for major lawsuit protection.

  • • $1M - $5M+ coverage limits
  • • Covers auto and home liability
  • • Legal defense costs included
  • • Worldwide coverage
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Renters Insurance

Affordable protection for your personal belongings and liability coverage when renting an apartment or home.

  • • Personal property coverage
  • • Liability protection
  • • Additional living expenses
  • • Medical payments to others
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Condo Insurance

Specialized coverage for condo owners, protecting your unit, belongings, and providing liability coverage.

  • • Interior unit coverage
  • • Personal property protection
  • • Loss assessment coverage
  • • Liability protection
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Motorcycle Insurance

Comprehensive coverage for your motorcycle, including liability, collision, comprehensive, and uninsured motorist protection.

  • • Liability coverage (required)
  • • Collision and comprehensive
  • • Uninsured motorist coverage
  • • Custom parts and equipment
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Boat & Watercraft

Protect your boat, yacht, or personal watercraft with comprehensive marine insurance coverage.

  • • Hull and machinery coverage
  • • Liability protection
  • • Medical payments
  • • Uninsured boater coverage
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RV & Motorhome

Specialized coverage for recreational vehicles, motorhomes, travel trailers, and fifth wheels.

  • • Liability and collision coverage
  • • Personal belongings protection
  • • Vacation liability coverage
  • • Emergency expenses coverage
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Save More with Multi-Policy Discounts

Bundle your personal insurance policies and save up to 25% on your premiums while simplifying your coverage.

Save Money

Multi-policy discounts can save you hundreds of dollars annually on your insurance premiums.

Simplify Management

One agent, one renewal date, one payment - managing your insurance has never been easier.

Better Protection

Coordinated coverage ensures no gaps in protection and better claims handling.

Protect What Matters Most to Your Family

Get personalized quotes for all your personal insurance needs. Our experts will help you find the right coverage at the best price.

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