Personal Insurance

Auto Insurance Homeowners Insurance Motorcycle Insurance Boat/Watercraft Insurance Excess Liability Insurance Flood Insurance Excess Flood Insurance

Motorcycle Insurance

Covering your motorcycle with one of our Policies provides you with solid protection, affordable rates and many additional unique features.

Customized Bikes -Includes coverage for parts and accessories installed by the manufacturer, plus up to $2,000 of additional customization. Customization coverage up to $10,000 is available for an additional premium.

OEM Parts - Provides for the use of original manufacturer parts, if your bike needs a covered repair. You won't be forced to use substitute parts or made to pay the difference.

Safety Equipment - Automatically covers riding leathers (up to $1,000) and approved helmets (up to $500) without a deductible.

Trip Interruption - If a covered loss interrupts a trip, you're covered for extra food, lodging, and transportation expenses. You also have the option of purchasing rental reimbursement up to the same limits that you carry on your auto.

Safety Discounts - Motorcycle Safety Foundation training course graduates save up to 10% off their entire motorcycle premium. You can save another 17% with three or more years of riding experience on the same bike.

Additional Discounts - We also provide discounts for having anti-theft equipment, insuring multiple motorcycles with us, joining an approved motorcycle club, and for not riding your bike for several months each year. Combining all available discounts can result in saving up to 35% off the cost of your motorcycle coverage.

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Boat/Watercraft Insurance

Our policies can include:

Replacement Cost Coverage - Your boat will be considered as "new", if its model year is 10 years old or less. Covered items such as your hull, motor and equipment will be replaced or repaired without deducting for depreciation.

Personal Property on Board - You automatically get $5,000 in coverage, without having to write a separate rider.

Uninsured Boaters Coverage - $15,000 in uninsured boaters' coverage is included when you cover your boat with our USP.

Business Entertainment on Board - your USP boat coverage generally includes losses incurred while using your boat for entertaining business clients (as long you're not receiving direct remuneration).

Hull Coverage for Non-Owned Boats - Renting a sailboat, jet ski or other boat? If you incur a covered loss, you're insured to the limit of the most valuable boat you own.

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Excess Liability Insurance

The greater your net worth, the more important it is to have personal liability coverage. Obtaining ample coverage has been extremely difficult and expensive, - until now. ADP/Statewide Insurance Agencies can offer worldwide coverage against personal injury, property damage, and catastrophic losses up to $100 million, in increments of $1 million with some carriers offering LPLI & D+O coverage.

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Flood Insurance

Your basic homeowners insurance and most commercial property policies do not protect you against damage from floods. In the case of the most severe floods, assistance is available. It's usually in the form of loans through the Federal Emergency Management Assistance (FEMA) program, and that's only after the federal government has declared the site a disaster. What's more, those loans must be repaid on top of your existing loan and you will be required to carry flood insurance.

Now you can buy flood insurance that is financially backed by the National Flood Insurance Program (NFIP) through ADP/Statewide Insurance Agency. Federal flood insurance is the only type of coverage that protects your building/home and contents from damage caused by rising water associated with flooding. Coverage includes:

• Structural elements, including walls, floors, equipment and fixtures.
• Contents, such as furniture, appliances, carpeting and wall and floor coverings.
• Personal items like clothing, audio equipment and televisions.

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Excess Flood

Since homeowner policies do not include coverage for floods, many U.S. homeowners obtain basic flood protection from the National Flood Insurance Program (NFIP). If the residential property greatly exceeds the NFIP coverage limits ($250,000 for the dwelling and $100,000 for contents), we can offer our Excess Flood Program. We offer flood insurance through Travelers and Selective.

Excess Flood enables policyholders to insure each property up to its full value by picking up where NFIP coverage ends. We offer replacement cost coverage up to the full amount specified in the policy - the client has the freedom to determine the extent of coverage. Contents of the dwelling are insured based on their actual cash value at the time of loss.

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