Personal Line Insurance Coverages

Homeowners

Homeowners insurance protects you from financial losses caused by storms, fire, theft, liability claims and other unforeseeable events. Homeowners Insurance can also cover condominium and townhouse ownership and rental exposure as well.

Automobile

Auto insurance protects your vehicles from loss or damage and you from personal liability lawsuits, providing you with peace of mind.

Private Collections of Jewelry, Art, and other Fine Collectibles

Valuable items such as jewelry, furs, firearms, silverware and computer equipment require specialized coverage not available in a standard homeowner’s policy. Private Collection coverage is designed to protect your items at replacement cost value for a myriad of loss causes.

Umbrella Liability

Umbrella Liability provides additional and broader protection in case a judgment against you exceeds the limits you carry on your homeowner, auto, and watercraft policies. The limits of an umbrella liability program are generally between $1M and $5M, but can be as high as $50M or more. Umbrella Liability Coverage is an often overlooked, but very necessary component to a high net worth personal risk program. It increases your personal liability protection by adding much needed limits to your current homeowner, auto, and watercraft policies.

Watercraft / Yacht

Offers coverage for the hull, motor, equipment, accessories, protection and indemnity liability, medical expenses, uninsured / underinsured boaters, and emergency services which may include labor, towing and fuel delivery. Insurance programs are available for small watercraft to large yachts.

Aviation

Hull, liability, and personal articles are examples of coverages available under an Aviation policy. At this time, there are a limited amount of companies who offer this type of insurance. DataRisk has excellent relationships with all of them.