Personal Insurance Policy
We understand that the most important aspects of your life are your family, your home, and your peace of mind. That's why we offer a comprehensive range of personal insurance solutions to safeguard what matters most to you. Our team of seasoned professionals is dedicated to working closely with you, understanding your unique needs and aspirations. With this knowledge, we can craft insurance policies that perfectly align with your lifestyle and budget. Whether you require coverage for your home, car, boat, or other personal belongings, including homeowners insurance, we have tailored solutions to ensure you and your loved ones are always protected. At the Eli Cohen Agency, our commitment is to provide you with the security and confidence you deserve.
Some of our most popular personal insurance solutions include:
- Home Insurance:Your home is more than just a house; it's where memories are made and cherished. Our comprehensive Home Insurance policy shields your most valuable asset from a range of threats, including natural disasters, theft, and vandalism. Rest easy knowing that your haven is protected.
- Auto Insurance:Navigating the roads comes with its share of uncertainties. Our Auto Insurance offers the coverage you need to ensure you and your vehicle are protected against accidents and unexpected events. Drive with confidence, knowing that we have your back.
- Dwelling coverage:Dwelling coverage is essential for safeguarding your home's structure. It covers the expenses associated with repairing or rebuilding your house if it's damaged by events like fires, storms, vandalism, or other covered incidents. This type of coverage ensures that your investment in your home is protected and that you can restore your living space to its original condition after unexpected events.
- Personal property coverage:Your personal belongings hold value beyond just their cost. Personal property coverage steps in to help repair or replace items like furniture, appliances, and electronics in the event of damage or theft. This coverage extends to items inside your home as well as some belongings outside of it, such as belongings in your car or storage unit.
- Liability coverage:Accidents happen, and liability coverage is there to protect you when they do. If someone gets injured on your property or you accidentally damage someone else's property, liability coverage helps cover legal expenses, medical bills, and compensation if you're found responsible. This coverage provides you with financial security and peace of mind in case of unexpected legal claims.
- Landlord policies: If you're renting out your property, landlord policies are designed to protect you against potential liabilities associated with renting. They cover property damage caused by tenants, legal expenses if you need to evict a tenant, and can even provide rental income in case your property becomes uninhabitable due to a covered loss.
- Food Coverage:Standard homeowners insurance usually doesn't cover flood-related damages. Flood coverage steps in to financially protect you in case your home is damaged by flooding, which can result from heavy rains, river overflow, or other water-related events. It's especially crucial if you live in an area prone to flooding.
- Jewelry/ Valuables/ Artwork Coverage:Certain high-value items like jewelry, art, and collectibles might need additional coverage to ensure their full value is protected. This coverage provides specific protection for these items in case of damage, loss, or theft, offering you peace of mind knowing your valuable possessions are safeguarded.
- Life Insurance:While not directly related to your property, life insurance can provide financial security for your loved ones in the event of your passing. It can help cover mortgage payments, outstanding debts, and other financial responsibilities, ensuring that your family is taken care of during a difficult time.
- Umbrella Insurance:Elevate your peace of mind with Umbrella Insurance. This policy extends the coverage of your existing policies, providing an additional layer of protection. Be prepared for life's uncertainties with broader coverage that truly stands by your side.
- Personal Property Insurance:Your personal belongings hold value beyond measure. Our Personal Property Insurance policy safeguards your possessions, whether it's jewelry, electronics, fine art, or collectibles. With coverage tailored to your unique assets, you can enjoy life's pleasures without worry.
- Additional Living Expenses Coverage:When your home is uninhabitable due to covered damages, this coverage helps cover the increased living costs you might incur. It can include expenses like temporary housing, food, and other essentials while your home is being repaired or rebuilt.
- Builders Risk/Construction Coverage:If you're undertaking construction or major renovations on your home, builders risk coverage ensures that your investment is protected during the construction phase. It covers damages to the structure and materials, providing you with financial stability even when your home is in a transitional state.
- Personal Umbrella Policy:A personal umbrella policy offers an extra layer of liability coverage that goes beyond the limits of your homeowners insurance. It provides broader protection and higher coverage limits, helping shield your assets and future earnings from significant legal claims.
- Personal Auto and Other Vehicle Coverage: If your personal vehicles, such as cars, ATVs, or motorcycles, are damaged due to a covered event while they're on your property, this coverage can help cover the repair or replacement costs. It ensures that even your vehicles are protected under your homeowners insurance.
- ATV, Motorcycle: This covers the cost of living expenses, such as hotel and food costs, if you are unable to live in your home while repairs are being made.
- Watercraft: This covers the cost of living expenses, such as hotel and food costs, if you are unable to live in your home while repairs are being made.
- Flood and Earthquake Coverage:Flood and earthquake coverage are vital add-ons, especially if you live in areas prone to these natural disasters. These events can cause extensive damage, and having specific coverage for them ensures that you're financially prepared to handle the aftermath.
At the Eli Cohen Insurance Agency, we believe that personal insurance should be tailored to fit your unique needs and lifestyle. That's why we take the time to get to know you and your goals, so we can provide you with the best possible advice and service. If you're looking for a personal insurance policy that provides you with the protection you need and the peace of mind you deserve, we're here to help. Contact us today to learn more about our personal insurance solutions and to get a quote.
