Auto, Home and Personal Insurance

Usually a well-maintained vehicle over 20–25 years old, used for hobby or exhibition.

We agree upfront on the car’s insured value based on appraisals and market data.

Yes—most policies include an annual mileage limit.

No—classic car coverage is for occasional, pleasure-based use.

It covers interior walls, fixtures, personal belongings, and personal liability.

Yes. This helps protect you from claims if someone is injured in your unit.

We’ll review your HOA’s master policy and fill in the gaps accordingly.

Absolutely—and it’s a great way to save.

It covers interior walls, fixtures, personal belongings, and personal liability.

Yes. This helps protect you from claims if someone is injured in your unit.

We’ll review your HOA’s master policy and fill in the gaps accordingly.

Not always. Standard homeowners insurance often excludes farm-related structures or liability, which is why a separate hobby farm endorsement or policy is recommended.

Not for everyone, but if you’re in a high-risk area or want extra peace of mind, it’s smart.

Damage to your structure, belongings, and temporary housing costs.

Yes, often as an endorsement or separate policy.

Based on your home’s age, foundation, location, and construction materials.

Yes. One in four flood claims comes from low- to moderate-risk areas.

Structural damage, personal property, appliances, and essential systems.

We can help you obtain it through the National Flood Insurance Program or private insurers.

Yes—typically 30 days unless tied to a mortgage closing.

Large-value homes, fine art, collectibles, and multiple assets typically require customized coverage.

Yes. We help build policies around your exact needs.

Yes, such as concierge services, worldwide coverage, and flexible valuations.

Professional appraisals and a coverage review help us get it right.

The dwelling, personal property, liability, and temporary living expenses.

Yes—it protects you if someone is injured on your property.

Absolutely. Items like electronics, furniture, and clothing can all be covered.

Yes. Fire alarms, tie-downs, and other upgrades may qualify you for savings.

Liability is required by law. You can also add coverage for damage, theft, medical bills, and more.

Yes. Completion of safety courses or clean driving records may qualify you.

Not automatically—passenger coverage should be added.

Yes. Accessory coverage protects add-ons and modifications.

It’s extra liability coverage for those who want broad, high-limit protection.

Usually in $1 million increments.

Yes, many policies include worldwide protection.

Yes—it’s designed to complement those policies.

It covers illness, accidents, diagnostics, surgeries, and sometimes wellness care.

Yes—most policies allow visits to any licensed vet.

Not always, but wellness add-ons are available.

Typically no, though some curable conditions may be eligible after a waiting period.

Landlord policies are designed for non-owner-occupied properties and include rental-specific protections.

Yes—sudden, accidental damage is usually covered, but intentional damage may not be.

Yes—ask us about portfolio options.

Yes, if it’s due to a covered loss.

Trip cancellations, delays, medical expenses, lost baggage, and more.

Yes—most policies include international medical coverage.

Yes—though earlier is better for full coverage.

Yes, for qualifying events listed in your policy.

High-value items like engagement rings, art, instruments, and antiques.

Yes, agreed-value policies ensure you receive the full appraised amount in case of total loss.

Yes—if your policy includes scheduled item coverage.

Yes, but you must disclose the storage location.