Personal Insurance

Auto Insurance isn’t just good for protecting you in case of an accident – in many states it’s required.

All of the insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto insurance, you’re usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any type of optional coverage.

Make sure you understand what these terms mean and how much coverage is right for you.

• Standard and preferred auto insurance
• High risk auto insurance
• Classic autos / high valued autos
• Special program for mature/elderly drivers
• Discounts that are available
• Recreational vehicles / boats

Homeowner policies are “package” policies; you get a group of coverages packaged into your policy for one overall premium. They include coverage on your building, your contents (furniture, clothing, etc.), and liability insurance in case you are sued, all under the same policy.

The coverage you have depends upon the type of policy you have. Homeowners policies can be quite different from each other depending on the “form” number.

The most common types of homeowner policies are:

• HO3 Special
• HO4 Renters policy
• H05 All Risk
• HO6 Condo policy
• HO8 Older Home Policy

Bundle your auto and home with AARP from the Hartford

Reach out to Joe Giocondi:
Joe@vpinsure.com
(704) 543-1544 x417

Umbrella liability coverage protects you from financial catastrophe due to lawsuits. It offers additional protection above and beyond your standard homeowners and auto policies and helps eliminate any gaps in your coverage.

This type of policy can ensure you are safeguarding your possessions, savings, and your future earnings.

Watercraft insurance policies provide coverage for physical damage caused by collision, fire, theft, windstorm, lightning, vandalism, and others. This coverage is broad and often includes machinery and auxiliary equipment, outboard motors, boat trailers, and other personal property.

Additional coverages are available as well, such as Personal Effects, Boat Liability, Medical Payments, and Commercial Towing and Assistance.

Our agency will assist you in determining the value of your fine art pieces along with jewelry and other kinds of collectibles. One of the interesting characteristics of fine art insurance is the confidentiality maintained by the insurance company.

Expert underwriters employed by the company will spend ample time pondering the piece before suggesting singular coverage programs. Since the paradigm is teeming with competition, you can obtain feasible coverage rates.

If you rent an apartment or own a condominium, you need insurance to protect your belongings. While your landlord or condo association might have insurance, it only protects the buildings.

There are several types of residential insurance policies. The HO-4 policy is designed for renters while the HO-6 policy is for condo owners. They both cover losses to your personal property.