Personal Line Insurance Coverages

Automobile Insurance

Automobile Insurance is policy purchased by vehicle owner to diminish costs associated with getting into an auto accident. Instead of paying out of pocket for auto accidents, people pay annual premiums to an auto insurance company; the company then pays all (or most depending on the coverages) of the costs associated with an auto accident or other vehicle damage.

For information about the best Auto Insurance coverage appropriate to meet your needs, please download and complete the Personal Insurance Quoting Forms and return it to quote@byarswright.com.

 


Click Here to request a specialist to contact you.

Homeowners Insurance

A form of property insurance designed to protect an individual's home against damages to the house itself, or to possessions in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

For information about the best Homeowners Insurance coverage appropriate to meet your needs, please download and complete the Personal Insurance Quoting Forms and return it to quote@byarswright.com.


Click Here to request a specialist to contact you.

Valuable Items Insurance

While most homeowner’s policies have limits on the dollar amount and type of loss that can be recovered, Valuable Item coverage will provide the protection you need for your most valuable possessions in the event of loss through theft, accident or natural disaster.

These listed or “endorsed” items include jewelry, fine art, furs, and firearms.

For information about these special additions to your homeowner coverage, contact one of the Byars|Wright Insurance qualified account managers.


Click Here to request a specialist to contact you.

ATV/Motorcycle Insurance

All-Terrain Vehicles (ATV) and Motorcycle insurance pays for damage to ATVs such as four wheelers, side by sides, golf carts and motorcycles.

For information about the best ATV or Motorcycle Insurance Coverages available to meet your needs, please download and complete the Personal Insurance Quoting Forms and return it to quote@byarswright.com.

 


Click Here to request a specialist to contact you.

RV/Motor Home/Travel Trailer Insurance

When buying RV insurance, you need to consider a few things. Namely, you will need to consider what type of vehicle you want to insure. Most auto insurance companies offer RV insurance to cover motorhomes and travel trailers.

Motor Homes are vehicles that have living quarters permanently attached to the vehicle. Travel trailers are non-motorized and are typically towed by a motor vehicle.

For information about the best Recreational Vehicle or Motor Home Insurance Coverages available to meet your needs, please download and complete the Personal Insurance Quoting Forms and return it to quote@byarswright.com.


Click Here to request a specialist to contact you.

Boat/Watercraft Insurance

Boat and personal watercraft (PWC) insurance can protect you against accidents or vandalism, and insures you against liability.

Boat insurance policies provide coverage for individuals who need their boat or personal watercraft protected from physical damage perils and liability. Optional boat insurance coverage can be purchased for protection against damage caused by an uninsured boater, for personal property and for various fishing equipment.

For information about the best Boat and Personal Watercraft Insurance Coverages available to meet your needs, please download and complete the Personal Insurance Quoting Forms and return it to quote@byarswright.com.


Click Here to request a specialist to contact you.

Personal Umbrella Insurance

Umbrella insurance provides an additional layer of personal liability protection. A single policy covers above all underlying policies you own (auto, home, motorcycle, boat, etc.) and kicks in when liability limits on these policies are exhausted.

For information about Personal Umbrella Insurance coverage, contact one of the Byars|Wright Insurance qualified account managers.


Click Here to request a specialist to contact you.

Mobile Home Insurance

Is a form of property insurance designed to protect an individual's mobile home against damages to the mobile home itself, and to possessions in the mobile home. Mobile Homeowners insurance also provides liability coverage against accidents in the home or on the property.

For information about the best Mobile Homeowners Insurance coverage appropriate to meet your needs, please download and complete the Personal Insurance Quoting Forms and return it to quote@byarswright.com.


Click Here to request a specialist to contact you.

Renters Insurance

TENANT HOMEOWNERS INSURANCE:

Also known as Renters’ Insurance, or tenants insurance, these policies provide contents coverage and liability protection in the event someone becomes injured at your residence.

Renters' insurance is an insurance policy that provides most of the benefits of homeowners' insurance. Renters' insurance does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure. It also provides liability insurance coverage. The tenant or renter's personal property is covered against named perils such as fire, theft, and vandalism. The owner of the building is responsible for insuring it but bears no responsibility for the tenant's belongings.

Many large and medium-sized rental properties include a requirement in their lease that tenants hold renters' insurance. Renters' insurance also informs the tenant that the property owner is not responsible for their belongings and that the tenant has coverage for them. But it is important to know what type of damage your insurance covers. There are three types of coverage available: loss of use, personal property, and personal liability.

 

TENANT DWELLING INSURANCE:

Property owners that rent their dwelling to others can obtain insurance for their property.

 

For information about the best Renter’s or Tenant Insurance coverage appropriate to meet your needs, please download and complete the Personal Insurance Quoting Forms and return it to quote@byarswright.com.


Click Here to request a specialist to contact you.

Condo Insurance

CONDO INSURANCE:

Condominium Insurance, which is an HO-6 Homeowners Insurance, covers the interior walls, fixtures, and personal property inside a condominium.

 

TENANT DWELLING INSURANCE:

Property owners that rent their dwelling to others can obtain insurance for their property.

 

For information about the best Condominium Insurance coverage appropriate to meet your needs, please download and complete the Personal Insurance Quoting Forms and return it to quote@byarswright.com.


Click Here to request a specialist to contact you.