Individual /

Personal General Insurance

Personal damage insurance basically refers to car insurance and housing insurance. Like business insurance, it is important to choose the best insurance product based on a close analysis of the customer's situation and characteristics. Don't you drive more than others? Are you a standard driver who strictly complies with traffic regulations and does not make a sudden start? Did your young child get a driver's license? The change in the new transportation environment also had a big impact on car insurance. Trust and trust are as important as home insurance is comfortable in my house. Omni is working harder to provide insurance products that customers can feel safe about.



The reason why we named homeowner instead of the word Houseowner is because it is a base of life and a precious space with a "family." It's an insurance that protects the structure and people together. That's why 'my family' protection from fire, flood, storm/tornado, rain and snow, as well as theft, is paramount for homeowners. The importance of housing insurance and disaster management becomes even greater because no one is free from possible disasters and the resulting financial damage.

So what are the things that are covered by homeowner and what are not?

The Coverage Of Home Insurance

Comprehensive compensation for repairs to buildings and structures damaged by fire, flood, storm/tropical storm, rain and snow, as well as theft. At this time, it should be confirmed that additional structures other than the original building, or buildings separated from each other, such as warehouses and garages, are included in the coverage (benefit).*홍수로 인한 피해 보상은 기준 주택보험 (Standard fire policy) 외 별도로 홍수 보험을 구입하셔야 합니다.

Personal belongings such as furniture, machinery, facilities, and ornaments in the house can also be compensated for the damage. In case of damage, it is usually compensated with a limit of 50-70% of the face value of housing insurance. Therefore, updating the 'mountain list' every 2-3 years can make it easier to set a claim after damage.
Remember that it also includes the benefit of theft of personal belongings from outside your home (such as golf clubs stored in the trunk of your car).

* Because the benefits of jewelry, mink coats, expensive tableware or artwork are somewhat limited, expensive belongings should be purchased separately with the "Personal Art Endorsment" option.

If a visitor, neighbor, or a third party is injured or injured due to careless house management, or if their property is damaged, the homeowner/subscriber will be compensated for/rewarded.
The damage caused by a dog raised at home to its neighbors can also be beneficial. Importantly, vehicle damage/accidents are excluded from this benefit because vehicle insurance is accompanied by a separate injury benefit.

Please note that the limit of casualty benefits usually included is as low as $100,000, so we recommend that you consult with your agent at the time of purchase and increase the limit.
Remember that no-fault medical coverage is a very useful benefit among the home injury benefits. Usually, the limit is around $2,000-$5,000, but the cost of the hospital for visitors injured in accidents, etc., can be arbitrarily determined and used by the homeowner "regardless of responsibility."

* If you need a very high ($500,000+) limit, remember that you can increase your home and car injuries/responsibility comprehensively by purchasing personal Umbrella insurance.

Additional costs are paid in the event of a fire, storm, or other accident that prevents you from staying at home while your insurance is being processed.

Additional living costs, hotel costs, and restaurant food costs are also possible during the rebuilding or renovation of the house. Coverage of additional cost of living varies from company to company, but most insurers offer approximately 20% of home insurance.

Also, if you rent a part of the house and the house you rented is damaged and you can't receive the rental fee, you can also get a cover for the cost you could receive.

Auto Insurance

In life, everyone experiences one or two contact accidents. Even long experienced and cautious drivers sometimes can't avoid multiple types of collisions. So the injury/responsibility benefits of car insurance are legally mandatory in 50 states in the United States, so anyone who owns a car must sign up. There have also been many changes in car insurance, including the commercialization of electric vehicles and changes in the transportation system. Omni promises the fastest and most reliable compensation process since the accident.

In the United States, the country of automobiles, auto insurance is the most closely related insurance in everyday life. That's why it's important to meet an agent who can accurately analyze the driving habits and benefits of subscribers and introduce affordable and appropriate insurance products.

The Coverage Of Auto Insurance

There are six basic benefits of car insurance that 50 states in the United States commonly require. In addition, options such as Gap Insurance (which covers the difference if the car is completely damaged but the loan is greater than the value of the car) and rental car benefits and toying may vary from state to state.

The benefit of compensation/compensation to the victim when the other party (or third party) is injured due to the carelessness of the subscriber/driver.

It must be noted that the maximum amount of benefits for personal injury must be sufficient to prepare for major accidents. It should be understood that the so-called "state minimum" set by each state is usually insufficient, and if it is insufficient, the difference should be paid with individual subscriber funds.

Benefits that compensate/compensate the victim in the event of damage to the other party's vehicle or property due to the carelessness of the subscriber/driver. These include walls, buildings, and telephone poles on the road that are damaged or damaged in the event of an accident. The reality is that the "state minimum" set by each state government is often insufficient, and it should be understood that if it is not enough, the difference should be paid with individual subscriber funds.

Hospital fees and additional expenses for injured persons in the subscriber/driver vehicle.

It's important to note that the limit is limited to $2,500-$5,000 per person, and in Virginia, it doesn't cover more than pure hospital bills, but in Maryland, PIP is applied to cover additional costs such as hospital bills, wages and transportation and funeral costs.

It should be noted that there is no mandatory purchase of Medical Payment benefits in Virginia, and that in Maryland, PIP is "anti-mandatory." This means that drivers can be excluded from the benefits in the event of an accident, but those who shared a ride must be included in the benefits.

Regardless of whether it's right or wrong, it's a benefit that deals damage to the subscriber's vehicle in the event of a collision. It also covers all vehicle and object contact, as well as damage to the vehicle caused by holes in the ground or dents in the road.

Please note that there is usually no upper limit on collision insurance benefits, but on the contrary, there are always deductions such as $250, $500, and $1000, which require the burden on the subscriber side.

It is a benefit that compensates for damage to registered vehicles other than collisions, such as theft, fire, contact with flying animals or wild animals.

Note that, as with the crash benefit, there is usually no upper limit to this benefit, but on the contrary, there must be deductions such as $250, $500, or $1000, which require a burden on the subscriber side.

This is a benefit that applies to accidents with uninsured vehicles. Remember that it also applies to hit and run accidents.

Remember that these benefits include personal and property benefits for subscribers/families and are mandated by most state laws.

This benefit requires approximately $200 of statutory deductible, and the limit is also set.

Personal Umbrella

Umbrella Insurance is the last umbrella to prepare for the thunderous downpour of lawsuits that exceed the compensation limit of basic (housing, automobile) insurance.

Umbrella Insurance is an umbrella insurance policy. In the 21st century, when legal lawsuits are rampant, the probability of accidents increases, and the need to prepare for compensation demands beyond the limit of automobile or housing insurance benefits has never been greater. It is easy to exceed the insurance contract limits within the subscriber's home or territory, or when the victim's physical damage caused by a car accident caused by the subscriber's carelessness is large. When the amount of compensation/compensation exceeds the basic insurance limit, the difference may naturally be paid by the subscriber with personal funds.
Since many people maintain the minimum benefit (limit) of housing insurance or vehicle insurance, the reality is that if the scale of accidents increases, they will have a considerable burden.

Personal Umbrella will be the best way to eliminate the financial burden on subscribers by providing a large additional limit at low premiums. Individual Umbrella primarily provides $1 million to $2 million in additional compensation for injuries, raising the ceiling on housing liability insurance and automobile liability insurance, respectively, of emergency) as needed.


Condos & Apartment Renters

Condominium owners and apartment tenants can also prepare for damage exposure at a low cost.

Movable Property In A Condo or Apartment: All kinds of personal belongings, including furniture, machinery, facilities, and equipment, will be compensated for damage. Remember, as well as the benefits of home insurance, the theft of personal belongings outside of condominiums and apartments is also included.

It is unnecessary that real estate benefits are omitted. In the case of condominiums, real estate benefits are covered by so-called "Condo Master" insurance, and in the case of apartment tenants, Landlord is responsible for real estate insurance.

Condo/apartment injury/responsibility benefits: Compensate/compensate for damages to visitors, neighbors, or third parties in the event of injury or personal injury or property damage due to careless home care.


Flood Insurance

According to the Federal Emergency Management Agency (FEMA), 90 percent of natural disasters in the United States are accompanied by floods.

Will your house be protected in the event of a flood? The problem is that homeowners who are not in flood-risk areas are also exposed to flood damage. Flooding occurs when heavy rain causes water to flow into low-lying housing or building areas, or when large-scale construction or real estate development around it changes the natural drainage/drain system.

Basic housing insurance does not cover flood damage. Statistics show that the average cost of repairing flood damage is around $30,000.
For this reason, the need and demand for flood insurance is increasing across the United States. For more information and further information, please contact your agent.


Boat/Yacht Insurance

You bought a boat/yacht that you've long wanted, but it's unclear what you need before it starts. You don't have to worry anymore. You can get yacht/boat insurance, disaster management, and maintenance.

You should find out what types and sizes your home insurance can cover before launching the boat. Boats/yachts that cannot be covered by housing insurance must be purchased and maintained separately.

Boat/yacht insurance covers accidents on or off the car and marina docks, as well as damage caused by crashes or extreme weather during sailing. Of course, it includes injury/responsibility benefits for hospital fees and additional expenses that will be reimbursed if a person on board suffers physical damage due to carelessness of the subscriber.

There are insurance products suitable for small-sized fishing boats to large yachts speeding through the sea.


Benefits of high-priced personal belongings

Because the benefits of expensive artworks such as jewelry, mink coats, and silver-wear are somewhat limited in basic housing insurance, expensive collections should separately purchase the "Personal Art Endorsment" option.

In most cases, such as jewelry necklaces, rings, watches, collection artworks, collections and antiques, mink coats, and expensive high-tech electronics will be examples of items that fall under the "high-priced personal effects."

The high-priced personal belongings benefit must be included in addition to existing housing insurance, and you must attach an appraisal of your valuables when you sign up.

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