Personal Insurance

From watercraft to automobiles, we can service all of your personal insurance needs. Here are some of the personal insurance coverages that we offer. If you would like more information or have any questions, please contact us.

Personal Lines some of the coverages we offer:

  • Whether commuting to work or running errands, driving is a part of our island lifestyle. You depend on your vehicle to get you safely to your destination. We can tailor an auto insurance package that protects you, your passengers and your vehicle. You can feel secure knowing that you are protected in the event of an accident, or for the “what-ifs”. When the unexpected occurs, you can count on us to help get you and your vehicle back on track.

  • Most condo and townhouse associations provide insurance protection only for the building and common elements. The individual unit owners are responsible for securing property and liability coverage for losses that occur within their own units. If you are a condo or townhouse owner, we can tailor a homeowner’s policy to insure your individual needs.

  • If you own rental or investment property and want to protect your investment, you should have a dwelling fire policy. Let us help protect your investment by properly insuring your dwellings and personal property.

  • Loss from earthquake is typically excluded (along with other earth movement) from most property insurance policies. In most cases, earthquake coverage must be purchased by endorsement to a difference-in-conditions policy or to an all-risks policy. Normally, the coverage provided is subject to a sublimit, an annual aggregate limit, and a separate deductible.

  • Most property owners are not aware that their homeowners, dwelling fire and commercial property policies do not provide coverage for damage caused by flood or hurricane. Coverage may be available by endorsement to an all risks policy, a difference-in-conditions policy or through specialty carriers. Individuals and businesses can secure Flood Insurance through the National Flood Insurance Program (NFIP) through our office.

  • Your home is where your family seeks comfort, safety, security and protection from the forces of nature. The home that provides your family with protection also deserves protection. Our agency  has access to markets that can provide the protection you need for your home and family. Our qualified staff can even assist in the placement of oceanfront properties, properties located in lava zones I and II and properties with only catchment systems. We provide high quality service with fair pricing to insure your home and personal property.

  • Identity theft can take away your sense of security - we'll help you recover everything else.

    Identity theft affects 1 in every 23 American consumers,* costing each victim an estimated 600 hours and thousands of dollars trying to recover. With identity theft insurance through Travelers, you'll be compensated for lost time and money caused by identity theft, including:

    • Any money stolen from you up to $30,000 for the entire family
    • Lost wages from time off work up to $500 per week for up to 4 weeks
    • Cost for notarizing fraud affidavits or other documents
    • Cost for certified mail
    • Loan re-application fees due to incorrect credit information
    • Pre-approved attorney fees
    • Long distance telephone calls to resolve, report or discuss the fraud

    Remember, this coverage provides direct loss protection for credit cards, debit cards, ATM cards and other means of transaction. You’ll even get coverage for safe-deposit boxes.  It is usually added via endorsement  to a Homeowners Policy, or as an added coverage under a Personal Umbrella policy.

    And with no out-of-pocket deductible to pay, you can avoid any loss of finances.

    Let us help protect you.

  • In-home business insurance is designed for smal businesses which are operated out of a person’s home.  These entrepreneurs may find it difficult to obtain appropriate and affordable insurance through the conventional business insurance appraoch.  Yet the homeowner’s policy on the residence normally excludes any losses arising from “business pursuits.”

    The types of enterprises specifically targeted are individuals engaged in retail distribution or products and/or services with operations based from their place of residence.

    Contact us today for more information on covering your in-home business!

  • Many renters are not aware that if their rental is involved in a fire, their personal effects are not covered by the landlord’s insurance policy. Renters are responsible for purchasing renters insurance to protect their personal property.

  • This policy is designed to provide protection against catastrophic losses. Personal liability insurance protects your assets by paying claims and damages in case you injure other people or property.  The good news is that if you have automobile, renters, or homeowner’s insurance, you already have some liability coverage.  Usually, the liability coverage that comes along with these policies is very limited.  That’s why you should look into a personal umbrella policy which will provide you a higher limit of liability.