Personal Lines Insurance
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Personal lines insurance helps individuals pay for costs associated with accidents and incidents that would otherwise cause financial strain. Personal lines insurance may include common policies designed to provide financial protection, including auto insurance, homeowners insurance and umbrella insurance.
Contact the agents at JJ Insurance in Denver, Colorado, to learn more about how various personal lines of insurance can help protect you from the financial consequences of loss of property or injury.
What Is Personal Lines Insurance?
Personal lines insurance refers to coverage such as auto insurance, homeowners insurance and renters insurance. This coverage helps protect an individual from the adverse financial effects of an accident or incident that could result in high medical bills or repair and replacement costs.
Based on your needs, your agent may recommend that you purchase several policies to help cover common risks and perils.
What Personal Insurance Do I Need?
Depending on your situation, there are a number of personal insurance policies that may provide necessary coverage.
Homeowners Insurance
Your homeowners insurance policy provides coverage for your home’s structure, other property buildings, and personal possessions.
The liability portion of your homeowners coverage helps pay for third-party claims related to injuries or property damage if an accident or incident occurs on your property. It also helps pay for damages if you or your family members, including family pets, accidentally cause property damage or injuries.
Renters Insurance
If you rent your home, you must purchase renters insurance if you want coverage for your possessions. While it’s your landlord’s responsibility to insure the building where you live, their coverage won’t help replace or repair your belongings after a covered event like a fire, theft or storm.
Automobile Insurance
In Colorado, you must carry minimum amounts of auto liability insurance to help pay for third-party damage and injuries if you cause an accident.
Your agent may also recommend that you purchase additional coverage to help protect your vehicle. Collision, comprehensive and GAP insurance coverage may help replace or repair your car after an accident.
Coverage For Personal Items
While many of your possessions may be covered by your homeowners insurance or renters insurance policy, you may need additional coverage for high-value art, jewelry or antiques. You may also need extra insurance for items you keep away from your home in storage or while traveling.
Recreational Vehicle Insurance
Recreational vehicles, including all-terrain vehicles (ATVs), snowmobiles, watercraft, jet skis, RVs, trailers and motorcycles, may require recreational vehicle insurance. Your agent will review your options and help you choose policies to help protect your financial interest in any RVs you own.
Umbrella Insurance
Umbrella insurance helps cover your liability for third-party injuries or accidents that exceed the limits of your other insurance policies.
Contact Us To Get A Quote
Having appropriate insurance is crucial for your financial stability. Talk with the agents at JJ Insurance to understand your options and get a personalized quote.