Everyone should know that have adequate insurance coverage is critical to protect yourself and your family in the event of an accident or another unexpected event. However, many people are surprised to learn that they are not covered by as much insurance as they should be. There are many different personal lines of insurance can that provide protection and the lines that are right for you depend on your personal circumstances in your life. It is important to have a trusted insurance agency that can evaluate your situation to advise you of types of personal insurance lines that may be necessary for you.
While many people may believe it is easier to call an insurance company directly for a quote, these large companies do not take the time to understand your insurance needs and advise you on the policies that are right for you. An experienced agent at the Skeele Agency, Inc. in New York will work closely with you to achieve the perfect balance of insurance policies for your situation. In addition, our agents understand that life brings many changes including marriages, children, real estate purchases, divorce, loss, and more. We will consistently reassess your situation based on any changing circumstances to adjust your insurance lines accordingly.
Types of Personal Insurance
When you first think of personal insurance, you likely immediately think of auto insurance. However, there are many other types of personal insurance available for protection in various aspects of your life. The following are brief explanations of a few personal lines with which we commonly assist.
Home Insurance
Purchasing a home is an important milestone for many individuals and families and it is important that you protect your investment with a high-quality homeowner’s insurance policy. The policy you have should be tailored to the type of home you own, your neighborhood, risk factors for home damage, among other factors that we can analyze for you. In addition to protecting your primary residence, you may also need to consider insurance for:
- Renters
- Second or seasonal home
- Townhouses or condos
- Mobile or manufactured homes
- Rental properties
- Properties under construction
- Vacant or unoccupied properties
- Fire or flood protection
Auto Insurance
Every driver is required by law to have adequate auto insurance and the penalties can be serious if you fail to have necessary coverage. We can help you choose the right level of coverage including:
- Standard coverage
- Preferred coverage
- Traffic ticket history
- Accident history
- Teen drivers
- DWI/DUI/License suspension history
- Not having insurance within the past six months
- Modified or custom vehicles
- Antique or classic cars
Life Insurance
Many people believe that life insurance is only for older individuals or people with families, however, this is not necessarily true. Life insurance can help you protect your loved ones no matter your age, familial status, or whether you are in good health. There are different kinds of life insurance lines, including term and whole life. We can assess your situation and help you choose the right life insurance policy for you.
Other Personal Insurance Options
Once your home, auto, and life are covered, you may need or want to explore other lines of personal insurance. Some other products we offer include the following:
- Health
- Long term care
- Disability
- Investment
- Umbrella
- Excess liability
We can provide in-depth information regarding your options for all of these policies and help you determine whether they fit your needs.
Call for an Insurance Quote Today!
The Skeele Agency, Inc. has been assisting individuals and families with their personal insurance needs for nearly 60 years and we take pride in providing the highest quality of service and forming close relationships with our clients. If you would like to discuss your insurance needs with one of our agents, please call one of our five locations today.
