Insurance Services
Personal Insurance

Coverage that protects where you live and what's inside it:

• Single-family homes
• Condominiums and townhomes
• Rental properties and investment homes
• Vacation homes
• Manufactured homes

We help you understand replacement cost, coverage limits, deductibles, and the differences between standard and specialty property policies.

Whether you drive a single-family car or manage multiple vehicles, we can help you build auto coverage that aligns with your driving habits, household needs, and budget.

We also support specialty vehicles such as:

• Motorcycles
• Collector or classic cars
• ATVs, UTVs, and recreational vehicles
• Boats and personal watercraft

These items often require purpose-built policies. We help ensure they're placed correctly.

Lawsuits don't only happen to wealthy people. A serious accident—at home, on the road, or involving your property—can exceed the base limits on your home or auto policy.

We help you evaluate:

• Personal umbrella coverage
• Liability limits that reflect your assets, income, and plans
• Gaps that can arise as your life changes

This coverage is one of the most cost-effective ways to strengthen your overall protection.

Many homeowners are unaware that standard policies often have low limits for valuables. If you own high-value personal items, we can help you place specialized coverage for:

• Jewelry and watches
• Fine art and collections
• Musical instruments
• Specialty equipment and electronics

These items can be scheduled for broader protection and more accurate valuation.

For frequent travelers, we offer guidance on protections that fill the gaps left by traditional health or property policies, including travel medical and international coverage.

Where life takes you, your coverage should follow.

Condominium insurance fills the gap between what your condo association covers and what you, as a unit owner, are responsible for. While the association master policy typically insures the building structure and shared common areas, it usually does not extend to the interior of your individual unit. That means you need protection for your personal belongings as well as the parts of your unit that fall under your responsibility.

Most condo owners need coverage for personal property, personal liability, and the interior features of their unit, such as floors, walls, cabinets, fixtures, and any improvements or upgrades. Because every association's policy is different, it's important to review the master policy and the condominium bylaws carefully so you understand exactly where the association's coverage ends and yours needs to begin.

Most standard homeowners, mobile home, condo, and renters insurance policies do not cover earthquake damage, which means this protection usually has to be purchased separately. Like flood insurance, earthquake coverage fills a major gap that many people don't realize exists until after a disaster. A dedicated earthquake policy can help pay for damage to your home, personal belongings, and in some cases, temporary living expenses if your home becomes uninhabitable. It can also reimburse you for certain protective measures you take before or after a quake, depending on the policy.

Many homeowners assume their existing insurance fully protects them, but typical residential policies exclude earthquake loss entirely. Government disaster relief programs are also limited, and are designed to provide basic assistance, not to rebuild your home or replace everything you've lost. Without a separate earthquake policy, you may be left covering most of the damage on your own.

Flood insurance provides protection for damage caused by flooding, which is not covered under a standard homeowners insurance policy. To be fully protected, a separate flood policy is required. In addition to covering damage to your home and belongings, a flood policy can also reimburse you for the work you and your family do to protect your property, such as sandbagging, moving furniture, or clearing debris after a flood.

FEMA's flood maps play an important role in determining whether flood insurance is required. If your home is located in a designated 100year flood plain, federal law requires you to carry flood insurance in order to obtain a mortgage. If you live outside a high risk zone or no longer have a mortgage, flood insurance becomes optional, but many homeowners still choose to carry it for added protection.

Homeowners insurance is essential if you have any tangible assets to protect. Whether you live in a house or an apartment, and whether you own or rent, this type of policy helps safeguard your personal property if it's damaged or destroyed by a fire or another covered disaster. It also serves as your first line of defense if someone is injured on your property and decides to file a lawsuit.

The cost of a homeowners policy depends on a variety of rating factors, but the quality of the coverage comes down to the insurer and the type of policy you choose. A named perils policy covers only the specific risks listed in the contract, while an all risk policy works in the opposite way—everything is covered unless it's specifically excluded. All risk coverage is broader, and in the event of a loss, the burden of proof falls on the carrier rather than on you.

Mobile or manufactured home insurance extends protection beyond the home itself, giving you coverage for the structures, belongings, and liabilities that matter most. It's designed specifically for mobile homes, manufactured homes, and modular homes, recognizing the unique risks these properties face compared to traditional sitebuilt houses. This can cover:

• Detached structures on your property, such as a carport or garage
• Your personal belongings
• Living expenses if your home is seriously damaged by a covered loss
• Injuries that might occur on your property (up to the limits you choose)

These policies help ensure that both your home and your daytoday life are protected if something unexpected happens. Coverage can include damage from events like fire, windstorms, or vandalism, depending on the policy, and liability protection helps shield you financially if someone is injured on your property.

Rental or investment property insurance helps protect both the building you own and the financial risks that come with being a landlord. If an accident or unexpected event damages the property and you don't have the right coverage, you could be responsible for the full cost of repairs. Beyond the structure itself, owning an investment property also brings significant liability exposure—you may be held responsible if someone is injured on your property or if their belongings are damaged while they're there.

Coverage can apply to a wide range of property types, including commercial property, vacant property and land, rental homes, commercial investments, and residential investments. The goal is to safeguard your investment and reduce the financial impact of accidents, property damage, or liability claims.

Renters insurance provides important protection if you live in a rented house or apartment, covering both you and the belongings you keep in your home. If your place is broken into, damaged by a fire, or if a guest is injured while visiting, renters insurance helps shield you from the financial impact. It can pay to repair or replace your personal items and can also cover liability costs if you're found responsible for someone else's injury or property damage.

A renters policy from Partners Risk Services can include coverage for your personal possessions as well as personal liability, giving you a safety net for many of the unexpected situations that can arise in a rental home. Even though your landlord insures the building itself, their policy doesn't protect what's inside your unit—that part is up to you.

ATV insurance helps protect you when you're riding offroad, whether you use your vehicle for recreation, work, or exploring new terrain. With ATVs becoming more popular and available in a wide range of models, insurance companies classify them differently and apply specific rules depending on the type of vehicle you own. Having the right coverage in place ensures you're protected from the financial impact of accidents, injuries, or damage.

ATV insurance works much like motorcycle insurance, offering many of the same core protections. All terrain vehicles—whether three, four, or six wheeled—are designed for off-road use, and the coverage reflects the risks that come with that environment. Policies can include liability protection, medical payments, and coverage for damage to the ATV itself, often referred to as physical damage or comprehensive and collision coverage. These options are tailored to the needs of off-road riders, giving you confidence to enjoy your vehicle safely.

Auto insurance is built around two main types of protection. The first is liability coverage, which pays for injuries or property damage you cause to others in an accident. Most states require drivers to carry at least a minimum amount of this coverage. The second part protects your own vehicle. Comprehensive coverage helps pay for losses caused by things like fire, theft, vandalism, or weather damage, while collision coverage pays to repair your car after an accident. Lenders and leasing companies often require these coverages if you finance or lease your vehicle.

There are also optional protections that vary by state, such as medical payments coverage, rental reimbursement, and other addons that help you manage the costs that come with an accident or unexpected damage. Choosing higher deductibles on your physical damage coverages can help lower your premiums, but it also means you'll pay more out of pocket if you file a claim. And if you carry an umbrella policy, it's important to make sure your auto liability limits meet the required minimums so you don't end up with a gap in coverage during a serious accident.

Collector and classic car insurance is designed specifically for vehicles that are rare, unique, or preserved for enjoyment rather than everyday use. These policies differ significantly from standard auto insurance, both in cost and in how coverage is structured. Traditional auto insurers focus on high-volume, daily use vehicles, which means they often undervalue specialty cars or fail to account for the way collectors maintain and protect them. Collector car insurance, on the other hand, is built around the needs of enthusiasts and can offer broader protection at a lower price.

Classic cars are generally considered antique vehicles that are 15-20 years old or older, but the category extends well beyond that. Collector vehicles can include exotic cars, muscle cars, sports cars of any age, restored or modified vehicles, and rare or highly desirable models. Because these cars are often driven less frequently and kept in better than average condition, insurers can offer specialized coverage options such as agreed value protection, spare parts coverage, and flexible usage allowances.

Partners Risk Services provides free, comparative quotes from multiple insurance carriers so you can find the best possible rate for your collector or classic car, with coverage tailored to how you use and preserve your vehicle.

Motor home and RV insurance should reflect the value and lifestyle that come with owning a recreational vehicle, not treat it like an ordinary car. While you're required to carry minimum coverage once your RV is registered, many additional policy options can better protect both the vehicle and the living space inside it.

The right policy accounts for how you use your RV, whether it's a travel trailer, fifth wheel, camper, or Class A motor home. This can also include protections for personal belongings, attached accessories, and the unique risks of life on the road.

Motorcycle insurance helps protect you while you're out on the road, whether you're an experienced rider or just getting started. Riding is meant to be enjoyable and safe, and part of being responsible is making sure you have the right coverage in place. Motorcycle insurance works by sharing the financial risks of riding between you and your insurer—you pay a set premium, and in return, the company agrees to cover specific losses that may occur during the policy period.

Most riders rely on motorcycle insurance to protect themselves from the costs that come with an accident. In many states, carrying basic liability coverage is required to pay for injuries or property damage you may cause to others. Beyond that, you can choose from a range of additional protections, including coverage for your bike, medical payments, accessories, and more.

Snowmobile insurance can be tricky because riders use their machines in so many different ways, from classic SkiDoos to high performance backcountry sleds. The right policy helps protect you, your passenger, and your snowmobile.

We help you evaluate:

• Personal umbrella coverage
• Liability limits that reflect your assets, income, and plans
• Gaps that can arise as your life changes

This coverage is one of the most cost-effective ways to strengthen your overall protection.

Valuable items insurance helps protect possessions that may be worth far more than what a standard homeowners policy will cover. Most homeowners policies place strict limits on categories like jewelry, fine art, collectibles, cameras, golf equipment, and computer gear, which means a loss could leave you significantly underinsured. A dedicated valuable items policy fills that gap by offering broader protection and higher limits tailored to the items you treasure most.

A wide range of property can be covered, including artwork, baseball cards, books, coins, firearms, furs, jewelry, memorabilia, musical instruments, oriental rugs, silverware, and stamps. These policies often provide coverage for accidental loss, theft, and damage, and in many cases offer more flexible terms than standard homeowners insurance.

Boat and marine insurance provides protection for a wide range of watercraft, including small boats, yachts, high-performance powerboats, liveaboard houseboats, catamarans, and pontoons. These policies can be tailored for different types of use—whether you're out on the water for personal recreation, operating commercially, or running a charter vessel.

Coverage can extend to the boat itself, the motor, the trailer, and personal belongings kept on board. Policies often include liability protection, medical payments, coverage for injuries to water skiers, and damage to the vessel—commonly referred to as hull coverage. What's available can vary by state and by insurance company, but even with generally low premiums, comparing rates can lead to meaningful savings.

Personal watercraft like jet skis and wave runners are a fun entry point into boating, but they still require the right insurance because they're powerful machines—not toys. If you own more than one, you may qualify for a multiboat discount, and you can also add coverage for trailers and other accessories.

Whether you're new to boating or have years of experience, it's important to have protection tailored specifically to these vessels.

Travel insurance helps protect you and your family from the high cost of medical emergencies abroad, where traditional U.S. health insurance often provides little to no coverage due to geographic restrictions and provider limitations. Whether you're a corporate traveler, an international student, a family on vacation, or someone working or studying overseas, an unexpected illness or injury can quickly become financially overwhelming without the right protection.

Travel insurance fills that gap, especially since you may not qualify for government sponsored healthcare in the country you're visiting.