Covers damage or loss to a person’s home and belongings
- Dwelling (the physical structure of the home).
- Personal property (furniture, appliances, etc.).
- Liability (accidents or injuries on the property).
- Additional living expenses (if the home becomes uninhabitable).
- Actual cash value (ACV) or replacement cost value (RCV).
- Special coverage for valuable items (e.g., jewelry, artwork).
- Endorsements for specific perils (e.g., flood, earthquake).
Covers damage or loss to a vehicle and protects the driver and passengers
- Collision (accidents with other vehicles or objects).
- Comprehensive (non-collision events, such as theft or vandalism).
- Personal injury protection (PIP) or medical payments.
- Uninsured/underinsured motorist coverage.
- Different levels of liability coverage.
- Special coverage for roadside assistance or rental cars.
Covers damage or loss to a business and its assets
- Property (buildings, equipment, inventory, etc.).
- Liability (accidents or injuries on the business premises).
- Business interruption (loss of income due to business closure)
- Workers’ compensation (injuries or illnesses suffered by employees).
- Cyber insurance (data breaches or cyber attacks).
- Different levels of liability coverage.
- Special coverage for specific industries or risks (e.g., product liability).