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HomePersonal InsuranceRecommended Coverage for Individuals

Protection that Every Home and Car Should Have

See something here that you don’t have covered? Contact your broker to ensure you have the best coverage for your needs.

We Want to Make Sure You’re Covered

Take a look at what our personal insurance experts suggest every person should have. You can always reach out to Insurance Store if you’re looking to expand or change your protection to better suit your needs!

A nice, modern home that is protected by home insurance.

Liability Protection

$2,000,000 Liability: Consider increasing your liability coverage to $2,000,000 for comprehensive protection in potential court settlements.

Property Damage Safeguards

Sewer Backup and Sump Pump Failure: Protect against sewer backup damage, often not covered in standard policies, with additional coverage.

Natural Disaster Coverage

Overland Water Protection: Safeguard your home from damage caused by rising rivers, streams, and other overflowing bodies of water.
Shiny new cars that are covered by comprehensive auto insurance.

Home Infrastructure Assurance

Service Line Coverage: Ensure coverage for repair or replacement of homeowner-owned underground service lines delivering essential services.

Automobile Coverage Enhancements

Increased Accident Benefits: Consider additional coverage beyond basic government benefits for medical, rehabilitation, and attendant care after an accident.

Claims Forgiveness: Protect your driving record and maintain your driver rating after an at-fault accident.

A lightning storm is a natural disaster that can cause many insurance claims.

Vehicle Protection Features

Limited Waiver of Depreciation Endorsement: Waive depreciation on new vehicles to receive the full value in the event of a total loss.

Coverage for Transportation Replacement (Loss of Use endorsement): Provides coverage for a rental car while your vehicle is being repaired.

Liability For Damage to Non-Owned Vehicles Endorsement (OPCF 27): Add coverage when renting a vehicle, saving on rental car company insurance rates.

Extreme Weather Events

Extreme Weather Preparedness: Address the increasing frequency of severe weather events, ensuring your policy is up-to-date and covers potential damages.

You have questions. We have answers.

Get in touch with our expert team today for any questions you may have. Our personal insurance teams have specialists who are well-equipped to best serve your specific needs. We’ll be happy to show you why working with Insurance Store is better!

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