Personal insurance policies are designed to protect you and your family from various financial risks and uncertainties. These are some of the most common types of personal insurance policies that Presidio has to offer.
This type of insurance covers the structure of the home, personal belongings, and liability for injuries that occur on the property. It also provides coverage for losses due to events like fire, theft, windstorms, and more.
Auto insurance is mandatory in most places and covers damages and liabilities related to car accidents. It includes liability coverage for third-party injuries and property damage, as well as optional coverages like collision, comprehensive, and uninsured/underinsured motorist coverage.
Umbrella insurance provides additional liability coverage beyond the limits of other insurance policies, such as homeowners or auto insurance. It’s valuable for those concerned about potential lawsuits and high-liability risks.
Boat insurance is a type of coverage designed to protect boat/Jet Ski owners and their vessels from a variety of risks and liabilities associated with boating. ATV (All-Terrain Vehicle) insurance is coverage designed for owners of ATVs, such as quad bikes, dirt bikes, snowmobiles, and other off-road vehicles.
Renters insurance is similar to homeowners insurance but designed for tenants. It covers personal belongings, liability, and additional living expenses if the rental property becomes uninhabitable due to a covered event.
Standard homeowners and renters insurance policies typically do not cover flood damage. Flood insurance, often purchased through the National Flood Insurance Program (NFIP), and now private markets, provides coverage for flood-related losses.
Life insurance pays a death benefit to beneficiaries upon the policyholder’s death. There are different types of life insurance, including term life insurance (provides coverage for a specific term), whole life insurance (provides lifelong coverage with a cash value component), and universal life insurance (offers flexibility in premium payments and death benefits).
The specific personal insurance policies that you should consider depend on your circumstances, financial situation, and needs. It’s essential to review your insurance requirements and consult with a Presidio agent to ensure you have appropriate coverage for your life situation.
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Our mission is to make sure each of our clients are properly covered with the best insurance plan for their needs. Please read through our claims management information for a detailed process guide, or contact us with any concerns or inquiries. We look forward to serving you.