Just like Commercial lines insurance –which protects properties and losses of any business, Personal lines insurance includes property and casualty products that will protect individuals from losses they couldn’t afford to cover on their own.

Thanks to the Personal lines insurance coverages, it becomes possible to do things like drive a car and own a home without risking financial ruin.

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The largest investment/purchase average American ever makes could very well be the home. Most importantly however, home isn’t just an investment. Home is the hub of any family’s everyday life. That’s why one needs to protect home against so many perils and risks such as fire, theft, rain/snow, floods or other disasters, which can change everything in the blink of an eye.

When something happens to one’s home or family’s possessions, the distress can be overwhelming. The last thing you want to worry about is how you’ll replace what’s been lost.

…And yes (!), Homeowners coverage provides financial protection against loss due to disasters –such as fire and storm, theft and many types of accidents. Most standard policies include four essential types of coverage: Coverage for the structure of your home; Coverage for your personal belongings; Liability protection; Coverage for Additional Living Expenses.

With comprehensive homeowner’s insurance, you’ll have the peace of mind of knowing that your property and its contents –as well as your living standards, are well protected.

What is covered by standard homeowners insurance?



Most drivers have gone thru one or more car accident/s in his/her life. Let’s remember that accidents happen to even the most careful drivers. Moreover, let’s not forget that Liability portion of auto insurance is compulsory (required by law) in all 50 states of the land.

That’s why it is imperative you keep current and adequate limits auto insurance at all times. The best protection starts with having a qualified insurance agent who will evaluate your needs, help you understand the options available to you, and then match you with the right coverage at a competitive price.

What is covered by basic auto insurance policy?

Personal Umbrella

Personal Umbrella

Lawsuits continue to gain popularity in every facet of our lives. One lawsuit can change everything.

If someone is injured on your property, or because of an accident you caused, you’ll likely be held liable. And, what if the settlement or judgment costs you more than what your home or auto policy covers? How will you pay?

Standard homeowners and auto policies provide only minimal liability coverage, which can put the cumulative value of your home, vehicles, savings and investments at risk.

A Personal Umbrella policy provides extra liability protection by extending the limits of your auto, home or boat policies. Should you be named in a lawsuit, a personal umbrella policy will cover defense costs, attorney fees and other charges associated with a lawsuit that exceeds the limits of your basic policies.

Condos & Apartment Renters

Condos & Apartment Renters

Be certain you’re protected.

By this coverage, apartment renters are protected both for personal belongings and liability risks (just like homeowners). Many condo and co-op unit owners mistakenly assume that their building’s master insurance policy covers them fully — and that can lead to big problems. In addition to securing your own insurance coverage, you need to be aware of any changes to your association’s master policy, so you can avoid coverage gaps.

Also, if you or the prior owner of your condo or co-op installed permanent upgrades, such as wall coverings or cabinetry, or renovated the kitchen or bathroom, you may no longer be covered by your association’s insurance policy.

When buying into a newly constructed building, you need to consult with the contractor about potential renovation costs. Then, speak to your broker before any work begins. It’s always best to identify any issues that could make it difficult for you to get the insurance coverage you need before it’s too late.

Flood Insurance

Flood Insurance

According to the U.S. Federal Emergency Management Agency (FEMA), 90% of natural disasters that occur nationwide involve flooding.

When the water rises, will your home be protected?

Even if you don’t live in a flood-prone region, you could be at risk. Flash floods can occur due to unusually heavy rainfall in low-lying areas or where nearby construction or real estate development has altered an area’s natural drainage.

And if flooding occurs, you’re probably not covered for it. Standard homeowner’s insurance policies specifically exclude flood damage, which means you could be out of pocket for the $30,000 or more it might cost to clean up or rebuild afterwards.

That’s why flood insurance is essential for homeowners across North America.

Boat/Yacht Insurance

Boat/Yacht Insurance

You finally found the right boat but you aren’t quite ready to take it out on the water. Let’s eliminate any uncertainties so you can enjoy the real fun!

Before you launch your boat you’ll need to know where your homeowner’s policy ends and where your boat owner’s policy should start. Boat insurance covers you from trailering to the marina, to side-swiping a dock, to reimbursing you for weather-damaged equipment, and perhaps most importantly, covering you in case you, your passengers or anyone else is injured due to negligence.

From small fishing boats all the way to the unique needs of ocean-going mega-yachts with on-board crews we’ll ensure you’re properly covered.

Fine Art & Jewelry (Personal Article Endorsement)

Fine Art & Jewelry (Personal Article Endorsement)

A standard homeowner’s insurance policy may not provide adequate coverage for your treasured possessions.

In fact, homeowner’s insurance provides limited coverage for jewelry and similar items — just a few thousand dollars, typically — and that’s after you’ve covered your deductible.

Some other important factors to consider:

  • Rings, necklaces, watches and other luxury goods are the items most frequently cited in claims.
  • The value of gold and other precious metals has increased over the past 10 years. Even if your jewelry is insured, it may be undervalued.
  • You should reappraise items every two to four years to ensure that your coverage is adequate and their fair market value is reflected when you need to file a claim.
  • Whether you have precious family heirlooms or you collect paintings, antiques or sports memorabilia, a standard homeowner’s insurance policy will not provide adequate coverage for your most treasured and valuable possessions.
  • In fact, a homeowner’s policy provides limited coverage for such items — just a few thousand dollars, typically — and that’s after your deductible.
  • Unique and valuable collections require a special kind of safety net. Scheduling items in your insurance policy is one of the best ways to protect you and your passionate investments against losses due to accident, theft, fire, shipping and loaning, natural disasters and more.

For more information or for further questions, please contact Omni Financial Risk Management, Inc.