Homeowners insurance is your safety net against the unexpected events that could damage your home or possessions. It helps protect not only the physical structure of your home but also the belongings inside and your financial well-being if someone holds you liable. • Protect your home from unexpected damage caused by fire, wind, hail, or other natural events. • Coverage extends to sudden and accidental incidents, such as frozen pipes bursting or toilet overflows. • Personal property is safeguarded in case of theft or damage. • Provides personal liability coverage if you are held responsible in a lawsuit related to your home. With homeowners insurance, you gain peace of mind knowing that your investment and your family’s lifestyle are protected against everyday and unforeseen risks.

Dwelling fire insurance is designed for homeowners who do not live in the property they own, such as rental properties or vacation homes. It’s not just for fire damage—it also covers other risks associated with owning a home you don’t occupy regularly. • Ideal for tenant-occupied or vacant houses. • Protects the physical structure of your property from fire, vandalism, and certain natural disasters. This type of policy ensures that even if something happens when the property is unoccupied, your investment remains protected.

Your vehicle is more than just transportation—it’s a major financial asset. Personal auto insurance provides comprehensive coverage for you and your household members while on the road. • Covers all household drivers under one policy. • Liability coverage protects you against physical damage and bodily injury claims. • Physical damage coverage ensures repair or replacement if your vehicle is involved in a collision, stolen, or damaged by other covered events. Auto insurance offers peace of mind, knowing that you, your family, and your vehicle are financially protected while navigating the unexpected challenges of the road.

In today’s litigious environment, a personal umbrella policy adds an extra layer of protection above and beyond your standard home or auto coverage. It acts as a financial safety net for major claims that exceed the limits of your other policies. • Provides excess liability protection if your home or auto coverage is insufficient. • Critical in protecting your assets from lawsuits and large claims. • As the NEA famously said, “not having an umbrella is like walking around with no shoes on.” This coverage is an affordable way to safeguard your financial future against risks that could otherwise have devastating consequences.

If you own recreational vehicles or specialty equipment, you know accidents can happen at any time. These policies protect your “big toys” so you can enjoy them worry-free. • Liability coverage for vehicles that tow other recreational equipment. • Physical damage coverage including collision, comprehensive (other than collision), or theft. • Ensures that whether it’s a boat, RV, or ATV, your investment is protected while on or off the road. With this insurance, you can focus on adventure while knowing your vehicles and liability risks are covered.

For high-value items like jewelry, fine art, designer handbags, firearms, or rare collectibles, standard homeowners insurance may not offer sufficient protection. Inland marine or valuable articles insurance fills that gap. • Schedule or itemize individual valuables to ensure full coverage. • Protects irreplaceable items such as wine collections, rare spirits, or artwork. • Can also provide “blanket” coverage for multiple items under one policy. This specialized insurance safeguards your most treasured possessions, giving you confidence that your valuables are protected against loss, theft, or damage.