Personal Lines Insurance
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Personal Lines Information
Did you know that over 50% of American's don’t know what their insurance policies cover? Many people have limited coverage or policies that don’t protect all their assets. Do you have enough coverage? Our personal lines manager Jennifer Burns can get you a personalized quote and fully explain your coverage options. With access to over fifteen companies we can customize a policy that meets your needs and budget. We want to help you dramatically reduce your potential losses and keep you focused on the future ahead. It’s important to know that you and your family are protected.
In life the unexpected happens. Be prepared with Stahlka Agency
When insurance is focused on protecting the financial interests of an individual or family, rather than a corporate or non-profit entity, it is considered to fall within the personal lines of insurance. There are many different types of protection offered within personal lines. These include:
Auto insurance: Required by law in most states, auto insurance provides protection to both vehicle owners and individuals who are injured or experience property damage at the hands of drivers. Auto insurance policies can be structured to cover the damages of the insured’s vehicle through comprehensive and collision coverage as well as uninsured/under insured motorist coverage. A policy must also meet the minimums of each state’s laws by providing bodily injury and property damage liability.
Home insurance: This is a policy designed to assist with expenses related to certain hazards, such as fire, hurricane and theft, which can devastate or damage a home or its contents. Home insurance also covers the liabilities homeowners have so that when someone is hurt on their property, they can rely on their policy for medical costs, legal costs and damages.
Renters insurance: When renting an apartment, an individual may not need to provide insurance to protect the structure itself, but they do need coverage for their personal contents since the landlord does not cover those. Additionally, they should secure liability insurance to cover medical costs and damages in the event a visitor is injured while in their apartment.
Specialty Auto insurance: We’re as passionate about cars as you are. Our in-depth knowledge of cars and their owners allows us to offer you better classic car insurance coverage for less. Our policy allows you occasional pleasure use with no fixed mileage restrictions. Allowing you to go for a weekend drive, take your vehicle up to the local ice cream shop or attend unlimited events and cruises.
Watercraft & Boats: We want you on the water enjoying your boat. That's why we make it as easy as possible to get insurance and stay protected almost anywhere you boat. We can insure you against most risks of owning and operating a boat, it's motor, and it's trailer. We can include protection against liability lawsuits and medical payments.
Recreational Vehicles: Your RV is more than just an automobile and it needs more than standard car insurance. Comprehensive Coverage for protection from just about any direct, sudden, and accidental loss, including: collision, fire, smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches or overhangs, theft and lightning. Coverage for attached accessories, including awnings, satellite dishes and decks.
Motorcycle insurance: The feeling of the open road we get it. Your motorcycle is your pride and joy. You want your bike protected, and if something happens, you want the best motorcycle insurance. We offer different types of options based on your needs, including collision, comprehensive, and bodily injury, along with replacement cost, rental reimbursement, roadside assistance, optional/special equipment coverage, and much more.
Umbrella policies: When the liability limits of other personal policies aren’t enough, individuals can purchase an umbrella policy to provide $1 million or more in additional liability coverage. Just one umbrella policy effectively increases the liability limits of each of the insured’s other policies.
Petplan insurance: pet insurance to the rescue Cats get sniffles. Dogs eat rocks. And every six seconds a pet parent gets a vet bill for over $3,000. Good thing there’s Petplan. If your dog or cat gets sick or injured, Petplan helps pay those unexpected vet bills.