Personal Insurance
Personal insurance products from InsureUSA provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages.
How we serve you is as important as what we provide. First, we listen to you, then we discuss your needs and answer your questions. Next, we look at both your short-term and long-term objectives and help put your insurance and planning needs in perspective.
InsureUSA provides the following types of personal insurance protection:
Auto (Personal)
This coverage has two parts. The first is the liability section of the
policy. It covers your financial responsibility for injuring others and
some coverage is required by most states.
The second part covers the car itself: comprehensive coverage
reimburses losses from fire, theft or other perils; collision coverage
pays to repair losses caused by an accident. Often this coverage is mandated
by leasing companies or banks. There are also ancillary medical, car rental
and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages
can help reduce premiums. If you carry umbrella insurance, you must be
sure that you carry the required amount of basic liability insurance to
avoid a gap in coverage for a serious accident.
Atlanta Auto Insurance Quote - Instant Quote
Georgia Auto Insurance Quote - Instant Quote
Alabama Auto Insurance Quote - Instant Quote
North Carolina Auto Insurance Quote - Instant Quote
Tennessee Auto Insurance Quote - Instant Quote
Boat & Marine
Boat or Marine insurance is available for small boats, yachts, high performance
powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance
will cover intended use including personal recreation, commercial, or
charter vessels.
Boat policies can cover damage to your boat, motor, trailer,
and personal effects in the boat. Available coverage includes liability,
medical payments, injury to a water skier and damage to the boat itself,
sometime called hull coverage. Availability varies by state and by insurance
company. Even though boat insurance premiums are low, shopping your rate
can sometimes save a substantial amount.
Condominium
Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas. You are responsible for the interior of your unit. Typically you need personal property and liability coverage. In addition to coverage for your floors, walls, cabinets and fixtures that your association's insurance probably will not cover.
Every association's insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condominium by-laws carefully.
Condo Insurance Quote - Instant Quote
Flood
Did you know that your homeowners insurance does not cover flood damage?
Insurance against flood must be obtained separately. A flood insurance
policy also reimburses you for the work that you and other family members
did to sandbag your homes, move furniture and remove debris.
The Federal Emergency Management Agency's (FEMA) maps are
important when it comes to flood insurance because if they show that your
home sits in a 100-year flood plain, you must buy federal flood insurance
in order to get a mortgage. If you live outside a high-risk zone, or if
you no longer have a mortgage, flood insurance is optional.
Flood Insurance - Online Quote Form
Homeowners
If you have tangible assets, you need the protection of a homeowners
policy. These policies cover you in a home or an apartment, whether you
are an owner or a renter. A well-written homeowners policy will pay to
replace any of your personal property that is destroyed in a fire or other
disaster. The policy will also be your first line of defense against a
lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating
factors. The quality of the coverage, however, is determined by the quality
of the insurer and whether the policy is written on a named perils or
all-risk basis. A named-perils policy covers only those losses specifically
cited in the contract. The all-risk policy works the opposite way -- unless
a peril is specifically excluded, coverage is provided. The all-risk policy
is broader and the burden of proof is on the carrier, not you, in the
event of a loss.
Homeowners Insurance Quote - Instant Quote
Motorcycles
Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance for your motorcycle.
Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.
Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. We have a variety of motorcycle policy options to meet your needs.
Motor Home & RV
As much as you expend efforts to purchase your dream motor home, it is
important to select appropriate motor home insurance policy. Legally speaking,
you are required to have a certain minimum amount of coverage when you
have your motor home registered. However, there are many insurance policies
to ensure that your motor home obtains maximum coverage and protection.
It is important to choose a policy that incorporates the recreational
value of your motor home and does not treat it as another automobile.
Personal Umbrella
You don't have to be a millionaire to be sued like one. Million-dollar
judgments against individuals for negligence are still relatively rare.
However, receiving a lawsuit with a million-dollar demand is more common.
If you receive such a court summons and you have only $100,000 of coverage,
you may lose a lot of sleep.
Umbrella policies offer inexpensive "peace of mind"
for most types of negligence claims. Automobile accidents
are probably the most common source of serious claims. This policy supplements
your basic automobile liability with extra million-dollar layers of protection.
It also covers other types of catastrophic claims such as a neighbor's
child drowning in your pool or the delivery man being seriously injured
by falling over your child's toys.
Personal Watercraft
Personal watercraft, such as jet skis and wave runners, are often our customer's first step into the boating world. Personal watercraft are extremely invigorating and fun for water lovers of all ages; however, they are not toys. Whether you are a first time boater or experienced captain, it is important that you have proper coverage for these vessels. InsureUSA has policies that are geared specifically for your personal watercraft. Likewise, because of our expertise in this area we also have the ability to provide commercial marine insurance for companies that rent personal watercraft.
Renters
As a renter, you need to protect your personal property against theft and damage. Our renters insurance is hard to beat for convenience and value. Plus, we'll assure you the peace of mind you need for your valuable items and electronics.
Renters insurance can help protect you in case of a liability lawsuit against you. This could occur in a situation where you are held responsible for:
- Injury to another person
- Damage to another person's property
Whether the incident occurred within your rented residence, or elsewhere.
Renters Insurance Quote - Instant Quote
Travel Insurance
When you travel abroad, one of the most important financial considerations
is how to protect you and your family's health. Without proper coverage,
an illness or injury abroad can turn into a financial disaster. Whether
you are a corporate traveler, an international student studying abroad,
a family on vacation or reunion, or an individual traveling abroad for
work, pleasure, or education, don't let your trip be ruined by an accident
or unexpected medical emergency. Traditional sources of U.S. private health
insurance will not meet your needs. Geographical exclusions and provider
limitations common to these policies will restrict or even eliminate the
coverage available to you while you are outside the U.S. At the same time,
you may not be eligible for participation in the government-sponsored
plans in the country where you reside.
Valuable Items
Your possessions may be more valuable than you realize. Most homeowners policies offer limited coverage for personal articles such as jewelry, cameras, golf equipment, fine art and collectibles, and computer equipment. We can provide the additional protection you need.
A variety of property may be covered by valuable items coverage.
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