Personal Lines Department

Automobile Insurance - with our wide range of insurance carriers we use our comparative rating computer system to obtain the broadest automobile coverages at the most competitive premium. The result: great rates, high limits and convenient payment plans. We can even do your photo inspections at our office for your convenience!

Homeowners Insurance - We offer Basic, Broad and Special Policies tailored to your individual needs. As you have heard many times before, "your home for the average person is the single largest investment you will make." We have the products and services to properly protect your home. Our talented group of personal line insurance professionals work with "A" rated insurance carriers to customize the proper homeowners protection for your family.

HO-4 & HO-6 Policies - Contents coverage for your personal property is obvious. However, do you currently have "Improvements and Betterment" coverage? Your condo policy does not cover improved kitchen and bathrooms, appliances, fixtures or permanently attached items to the units. ie: upgrading carpeting to hard wood floors, installing light fixtures and chandeliers, permanently installed wall units, and furnishing basements just to name a few. We offer condo & Cooperative apartment owners coverage on comprehensive forms with some of the top insurance companies including coverages such as: Content (Personal Property); Replacement Cost Valuation; All Risk Contents Options; Improvements and Betterment's Coverages; Loss of Use Coverage; Personal Liability; Medical Payments; Personal Schedules and Floaters for jewelry, furs, collectibles, etc.

 We offer personal umbrella policies with limits of $1,000,000 to $10,000,000 and beyond. An umbrella policy can help protect you, your family and your assets. Not only do umbrella policies increase your liability limits, they can provide additional coverages that you are not currently insured for.

Our staff of insurance professionals can properly insure your fishing, sport, yacht and even classic wooden boat with comprehensive coverages and competitive premiums. These policies account for lay up periods and waters navigated. We can even insure high powered speed boats!