It is a simple fact of life that the more successful we are, the more we have to lose. Guy Hurley Insurance & Surety Services knows that everything we have faces risks, whether those be from other people, natural disasters or from our own potential mistakes. Personal insurance is a policy that protects an individual's personal property and/or self against harm or loss. In the midst of a crisis, personal insurance provides the funds needed to make you or your loved one's lives as whole as possible. There are many kinds of personal insurance policies.

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Automobile Insurance

There are an average of 6 million car accidents every year in the United States. No matter how safely you may operate your motor vehicle, you share the road with countless other individuals who, themselves, may be accidents-waiting-to-happen. A good automobile insurance policy is a kind of personal insurance that can protect you and your assets in the case of an accident, regardless of who is at fault. While a basic automobile insurance policy is required by law, it is likely worth talking to an expert about how to best customize your policy to fit your circumstances.

Renters and Home Insurance

The most important asset in most people's lives is the place they live. Whether you rent or own your home, it is the place you go to rest and relax. Your home is filled with all of your other possessions and often has virtually everything of value to you held within it. As such, it is vital to protect your home with a kind of personal insurance policy that handles perils like theft, falling trees, lightning, fires, storms and water damage.

When some tragic event occurs, the last thing you want to face is the prospect of the immense cost of replacing all of your possessions. Instead, a personal renter's or home insurance policy can give you peace of mind while your life is rebuilt. The principal difference between a renter's policy and a homeowner's policy is that a homeowner's policy not only covers the things inside the home but also covers the structure of the dwelling itself.

Personal Liability Insurance

Personal liability insurance is a kind of insurance that is typically included in your Homeowner’s or renter’s policy. Essentially personal liability insurance policies protect you in the event that other people are either injured or have their belongings damaged while they are on your property.

Simply making a genuine effort to keep your area safe for others is not enough to protect you from a fast-growing industry of lawsuits. In some states, burglars or trespassers can even sue you if your dog bites them while they are illegally on your property. The convoluted workings of the legal system mean that the safest course of action is to make sure you have a personal liability insurance policy to protect you from the risk of paying large sums from these kinds of lawsuits.

Umbrella Insurance

This type of insurance policy acts as an umbrella to protect you from third-party liability claims that extend beyond your primary liability limits. Having an umbrella policy provides peace of mind and protection against a wide range of potential financial dangers and unforeseeable mishaps. 

Because it isn’t as specific as other types of insurance, you want to be sure that the policy you purchase covers the things that are most important to you. It is always best to err on the side of caution--as the saying goes, “luck favors the prepared.” Make sure you feel comfortable with the kind of insurance and especially the kind of coverage that you have.

Other Types Of Personal Insurance

Other kinds of personal insurance could include RV, Motorcycle, Boat, and even Classic Car insurance. There are very specific types of insurance and there are broad ones, like the umbrella insurance mentioned above. 

The important thing to remember is that you have options, and you can get a policy that can provide some peace of mind. We are here to help you every step of the way. Please Contact Us with any questions you have--our friendly team is ready to assist you!

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