Personal Insurance

HOME
Homeowners’ insurance is a package policy. One part of the package includes protection for damage to your home, other structures on the property, and personal property. Personal property is all of the belongings in the home. In order for the insurance to pay for a loss/claim, a deductible that the homeowner pays must be met first. The other part of the package is personal liability protection. Liability provides coverage for the insured and his/her immediate family for personal activities both on and away from premises that result in injury or property damage to another person. There is no deductible that the homeowner has to pay for liability losses/claims. Contact Lee Insurance Group today for more information on insurance offered in Indiana, Michigan or surrounding states! 

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RENTERS
Renter's insurance is purchased when someone is renting a house, apartment, duplex, town home, or any other dwelling that they are living in and renting. While the landlord's insurance policy generally covers the structure itself, the renter's policy protects the named insured's personal belongings while also adding personal liability insurance similar to the homeowner's policy. Contact Lee Insurance Group today for more information on insurance offered in Indiana, Michigan or surrounding states! 

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AUTO

Auto insurance is purchased to provide coverage for private passenger automobiles, vans, SUVs and trucks. There are two main components of auto insurance. The first component of the auto insurance coverage is liability insurance. Liability coverage pays for bodily injury and property damage to the person(s) in the other car(s). Without liability coverage, a person opens themselves up to lawsuits from the injured parties that can deplete their assets that they own. The second component is called physical damage. This protects the policyholder from damages to their own vehicle. The first coverage in physical damage is called comprehensive or other than collision. This protects the policyholder’s vehicle from such risks as hail damage, deer/animal hits, fire, theft, vandalism, and glass breakage among others. The second coverage is called collision. This covers the vehicle from upset and colliding with any other vehicle or object. Physical damage coverage is subject to a deductible, which is the amount the insured is responsible to pay before the insurance will pay for any claim.

 Contact Lee Insurance Group today for more information on insurance offered in Indiana, Michigan or surrounding states! 

Protect me, please! Quote my auto insurance!

WATERCRAFT

Watercraft Insurance Homeowners insurance policies usually include coverage for watercraft, but the coverage is often very limited. Typically, a homeowners insurance policy will pay up to $1,500 if something happens to your boat while it's at your house. The policy may even offer some liability coverage for you while you use your boat, but it's less than ideal. To ensure you have the correct coverage in place, you should consider adding a personal watercraft policy to your insurance. The insurance industry generally places "watercraft" into three categories:

Boats: Under 25 feet, 11 inches in length.
Yachts: Generally 26 feet or greater in length.
Personal watercraft: Jet skis, wave runners, and other personal watercraft.

All three types of vessels require different insurance coverage. As with many other types of insurance, policies vary quite a bit from company to company.

Contact Lee Insurance Group today for more information on insurance offered in Indiana, Michigan or surrounding states! 

Protect me, please! Quote my watercraft insurance!