Personal Lines Insurance Coverage: In Your Corner, Every Day, Every Way

By Diane Nies

After working for nearly four decades in personal insurance, customers have taught me a great deal about what matters most to them. Sleeping easy at night knowing all the proper coverage is in place, just in case… Because bad things happen to good people. And you never want to be in a situation where you didn’t ‘have that covered.’ Or, your coverage won’t measure up when you need it to. Never wanting to have those kinds of conversations, making sure to dot all the i’s and cross all the t’s is vitally important to me – and to my customers. Working on behalf of CH Insurance, an independent broker who can shop many different rate options for you, brings you the best of both worlds: Expertise with Five Star Customer Service PLUS great rates! So, let’s take some time to walk through the types of personal insurance coverages are available, what they provide, how they work, and ultimately what it can mean to you and your family.

Personal lines insurance is a type of insurance coverage that provides protection for individuals and families. It includes insurance policies for homeowners, renters, auto, and personal liability. Personal lines insurance is important because it provides financial protection for the things that matter most to you, such as your home, cars, and personal belongings.

Homeowners Insurance

Homeowners insurance is a type of personal lines insurance that provides coverage for damage to your home and personal property, as well as liability protection for accidents that occur on your property. Homeowners insurance policies can vary widely, so it’s important to choose a policy that provides the right coverage for your needs.

Some common types of coverage that may be included in a homeowners insurance policy are:

Dwelling coverage: Provides protection for damage to your home caused by covered perils, such as fire, hail, and windstorms.

Personal property coverage: Provides coverage for your personal belongings, such as furniture, clothing, and electronics.

Liability coverage: Provides protection if someone is injured on your property or if you accidentally cause damage to someone else’s property.

Additional living expenses: Provides coverage for temporary living expenses if you are unable to live in your home due to a covered loss.

Renters Insurance

Renters insurance is a type of personal lines insurance that provides coverage for renters who do not own their own home. Renters insurance policies provide protection for personal property and liability, much like homeowners insurance.

Some common types of coverage that may be included in a renters insurance policy are:

Personal property coverage: Provides coverage for your personal belongings, such as furniture, clothing, and electronics.

Liability coverage: Provides protection if someone is injured in your rental unit or if you accidentally cause damage to someone else’s property.

Additional living expenses: Provides coverage for temporary living expenses if you are unable to live in your rental unit due to a covered loss.

Auto Insurance

Auto insurance is a type of personal lines insurance that provides protection for your vehicle, as well as liability protection for accidents that you are involved in while driving. Auto insurance policies can vary widely, so it’s important to choose a policy that provides the right coverage for your needs.

Some common types of coverage that may be included in an auto insurance policy are:

Collision coverage: Provides protection for damage to your vehicle caused by a collision with another vehicle or object.

Comprehensive coverage: Provides protection for damage to your vehicle caused by non-collision events, such as theft, vandalism, and weather-related damage.

Liability coverage: Provides protection if you are found to be at fault for an accident that causes bodily injury or property damage to another person.

Personal injury protection: Provides coverage for medical expenses and lost wages if you or your passengers are injured in an accident.

Recreational Vehicle Insurance

Insurance for recreational vehicles such as boats, RVs, motorcycles, ATVs, and snowmobiles, provides coverage for physical damages to the “personal toy” caused by accidents or other incidents, as well as coverage for damages to other people, property, due to the negligence of the owner. In addition, the insurance may provide coverage for:

In the case of boats for example, it may also cover the cost of repairs, replacement parts, and rental boats if the insured boat becomes damaged or is stolen. Insurance for other personal ‘toys’ such as golf carts, snowmobiles, and jet skis is also available. These types of policies may provide coverage for physical damage, medical expenses, personal liability, towing, and assistance services. In addition, some policies may include coverage for rental vehicles and replacement parts if the insured vehicle becomes damaged or is stolen.

Personal Liability Insurance

Personal liability insurance is a type of personal lines insurance that provides protection for individuals and families in the event that they are sued for damages caused by their actions. Personal liability insurance can be added as an endorsement to a homeowners or renters insurance policy.

Some common types of coverage that may be included in a personal liability insurance policy are:

Bodily injury liability: Provides protection if you are found to be responsible for injuring someone else.

Property damage liability: Provides protection if you are found to be responsible for damaging someone else’s property.

Legal defense costs: Provides coverage for legal fees if you are sued for damages.

Conclusion

Personal lines insurance is an important type of insurance coverage that provides financial

protection for individuals and families. It includes insurance policies for homeowners, renters, auto, and personal liability. By choosing the right personal lines insurance policies for your needs, you can protect the things that matter most to you and your family. Remember, I’m only ever a phone call or email away. Every day, every way… I’m in your corner so let’s talk! You can contact me at 315-234-7500 and DNies@CHInsurance.cc.