Products & ServicesPersonal Insurance

Personal Lines

• Farm
• Tenants Insurance
• Seasonal Dwelling/Cottage
• Rented Dwelling
• Marine—Boat
• Personal Umbrella Liability
• Automobile
• Vacation Trailer
• ATV & Snowmobile
• Motor Cycle
• Party Alcohol Liability—Weddings

We also offer coverage in the following areas:

Homeowners coverage – Homeowners policies are designed to cover the various risks to individuals owning their own home in a package form. There are usually three types of homeowners coverage, standard, board and comprehensive. We normally recommend the comprehensive “all risk” coverage on the dwelling and contents of your home. All homeowners coverages include personal liability coverage, that covers you in case a third party where to bring action against you.

The replacement cost of your home is very important to understand. It is not the purchase price, nor is it the amount of the mortgage. The replacement cost of the dwelling is the cost of rebuilding your home in today’s market with similar features and quality of products. This replacement cost is easily calculated by one of your staff inspecting your home and inputting the information to our software.

Condominium

Condo policies are comprehensive coverage, and are designed to protect the unit owner for all interior damage to the unit itself. The package also includes protection for personal contents, improvements and betterments, unit contingent coverage, loss assessments and additional living expenses. The premiums are based on the replacement cost of the owners’ contents. Similar to homeowners, all condominium policies include personal liability coverage.