Personal Insurance

Personal lines insurance refers to any kind of insurance that covers individuals against loss that results from death, injury, or loss of property. These insurance lines generally protect people and their families from losses they couldn’t afford to cover on their own. Personal lines insurance makes it possible to do things such as driving a car and owning a home without risking financial ruin. This is not the same as commercial lines insurance, which provides property and casualty coverage for businesses.

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Personal lines insurance is any type of insurance coverage purchased by an individual to cover themselves and/or their families. These policies protect against different kinds of personal risks that would lead to potentially crushing financial losses caused by fire, theft, natural disasters, death, accidents, lawsuits, and illness.

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Automobile Liability Insurance

Coverage for bodily injury and property damage incurred through ownership or operation of a vehicle.

Homeowners Insurance

Apackage policy combining real and personal property coverage with personal liability coverage. Coverage applicable to the dwelling, appurtenant structures, unscheduled personal property and additional living expense are typical. Includes mobile homes at a fixed location.

Tenants

Homeowners insurance sold to tenants occupying the described property

Renters Insurance

Liability coverage for contents within a renter’s residence. Coverage does not include the structure but does include any affixed items provided or changed by the renter.

Builders’ Risk Policies

Typically written on a reporting or completed value form, this coverage insures against loss to buildings in the course of construction. The coverage also includes machinery and equipment used in the course of construction and to materials incidental to construction.

Flood

Coverage protecting the insured against loss or damage to real or personal property from flood. (Note: If coverage for flood is offered as an additional peril on a property insurance policy, file it under the applicable property insurance filing code.)

Umbrella and Excess (Commercial)

Coverage for the liability of a commercial venture above a specific amount set forth in a basic policy issued by the primary insurer; or a self-insurer for losses over a stated amount; or an insured or self-insurer for known or unknown gaps in basic coverages or self-insured retentions.

We have used Kelly White & Associates Insurance for many years for both our business and personal insurance needs. We originally met Kelly at a Florida Marine Contractors Association Expo, where she reviewed our policies and saved us several thousand dollars. We highly recommend Kelly and her staff. They are professional and courteous and have excellent customer service. They are also very thorough in researching all aspects of your insurance requirements whenever necessary. They take great care to insure that you have complete coverage without being "over" insured. It is always a pleasure to work with them.

Everyone at Kelly White Insurance, is friendly, knowledgeable and quick to get us what we need for our electrical contracting business. Kelly helped us figure out a few things and lowered the cost of our insurance. they are a 5 star company for sure!!! If you are looking for an insurance team that will be there for you contact Kelly's team for amazing service that can not be beat!

Kelly White and her wonderful staff has reviewed many of my policies and saved me thousands of dollars on insurance. They are always friendly and personable on the phone and super helpful. I recommend them to many clients in my office and all of my friends.