Personal Insurance
Personal Insurance and Why it Matters
You have worked so hard for your home, your autos, your retirement, etc.; don’t let an accident or incident be the reason you lose your hard-earned money.
Personal insurance provides you and your family with financial security against unexpected events, such as illness, injuries, accidents, death, and other catastrophic incidents.
Obtaining personal insurance coverage is an essential decision you can make to benefit your future, your financial goals, and to ensure the financial security of your loved ones.
Types of Personal Insurance
Auto Insurance
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or another event covered by your insurance policy. Your policy may also provide valuable protection for medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
Homeowner Insurance
Your home is the center of your day- to- day, and likely one of your most valuable assets. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this.
Regardless of where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind, as well as the money you need to repair or replace your home and/or belongings.
The amount you pay for your homeowner’s insurance depends on many factors. The replacement cost of your home, your zip code and the coverage limit you select are just a few factors of your homeownershomeowner’s insurance premium.
Every home and homeowner is unique. Give us a call today to discuss the best price and value on home insurance for you.
Boat Insurance
It covers motorboats, sailboats, or personal watercraft against accident, theft, or damages caused by catastrophic events such as storms, fire, or lightning.
Motorcycle Insurance
Motorcycle insurance covers liabilities against physical damage, bodily damage, theft, and legal claims to third parties. If you own a motorcycle, you need this policy to help repair or replace your bike in the event of an accident.
Classic Car Insurance
It's an uncommon insurance policy that protects classic or antique cars—cars typically older than 25 years. So, if you have an old Jaguar, a 1950 Chevy Bel Air, or any other valuable collectible, consider taking this policy. It will help you cover repair and restoration expenses.
Recreational Vehicle (RV) Insurance
Traveling is more than getting from one point to another if you own an RV, so you probably love being on the road. The journey is more important to an RV owner than the destination. Yet, ,yet the unexpected happens on the road, and an. An RV insurance policy protects you from emergencies while traveling, camping, or when your vehicle is in storage.
Umbrella Insurance
It's a policy that provides protection beyond the existing limits and coverages of other policies. For example, umbrella liability insurance usually provides coverage where regular auto, homeowner, boat, or other areas of personal insurance are exhausted.
How much liability insurance is enough?
We recommend having a minimum limit of liability coverage to cover the total amount of assets you have. This includes homes, autos, savings accounts, 401k’s, income, etc.
Life Insurance
Life insurance guarantees financial protection to your family in the event of your passing. It's a highly underrated policy, yet it is crucial in securing the future of your loved ones in your absence. The money they receive from your life insurance policy can help cover the expense of the funeral, essential bills and comfortably pay debts, school fees, or medical expenses.
FAQs
Personal insurance aims to cover individuals against financial losses resulting from injury, property loss, damages, or death. It makes owning a home, boat, or driving a car possible without risking financial ruin.
The answer is an absolute yes. You need insurance to protect you against the uncertainties of life and to protect people financially dependent on you.
Buy a Personal Insurance Today
We dream of financial freedom. Sometimes, we have a comprehensive plan to achieve this dream. However, we may not factor in and plan for risks and uncertainties. Personal insurance can help you achieve your goals by protecting you from the uncertainties of life.
Ann Arbor Insurance Associates, LLC is a full-service insurance agency with a highly skilled team dedicated to meeting our clients' needs for personal insurance. With many decades of experience in the industry, we use our expertise to provide you with efficient and cost-effective solutions to your insurance needs.
Contact our team or call (734) 327-9222 for questions or to obtain a quote!
Buy a Personal Liability Policy Today
We dream of financial freedom. Sometimes, we have a comprehensive plan to achieve this dream. However, we may not factor in and plan for risks and uncertainties. Personal insurance can help you achieve your goals by protecting you from the uncertainties of life.
Ann Arbor Insurance Associates, LLC is a full-service insurance agency with a highly skilled team dedicated to meeting our clients' needs for personal insurance. With more than a century of experience in the industry, we leverage our expertise to provide you with efficient and cost-effective solutions to your insurance needs.
Contact our team or call (734) 327-9222 for any queries.