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.
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.
Coverage for bodily injury and property damage incurred through ownership or operation of a vehicle.
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.
Homeowners insurance sold to tenants occupying the described property
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.
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.
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.)
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.
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