Personal Insurance
At On Point Insurance Brokers, we understand the importance of protecting what matters most to you. Personal insurance policies are designed to shield you from unexpected events that could lead to financial strain if you were left to cover the costs on your own.
Even though some policies, such as auto or homeowners insurance, are often required by law or lenders, they are primarily designed to protect your assets from risks like theft, fire, or natural disasters. These types of insurance help safeguard your property in unforeseen circumstances. Since each individual or family has unique needs, the right insurance plan will vary based on your specific situation.
In the event of an accident or unforeseen incident, having the right insurance coverage can protect you from financial hardship and costly lawsuits. That’s where we come in. Our expert agents will conduct a thorough review of your needs to help you identify the personal insurance policies essential for fully protecting your assets from potential losses.
Each policy offers different coverage levels and benefits, and selecting the right combination can help reduce overall costs. We’re committed to saving you money by reviewing your existing policies to find better coverage at lower rates, or by crafting a custom insurance package tailored specifically to your needs.
At On Point Insurance Brokers, we provide peace of mind, knowing you’re properly covered without the unnecessary burden of excessive premiums. Reach out today to explore your options and ensure you’re protected with the right personal insurance plan.
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Even though some policies, such as auto or homeowners insurance, are often required by law or lenders, they are primarily designed to protect your assets from risks like theft, fire, or natural disasters. These types of insurance help safeguard your property in unforeseen circumstances. Since each individual or family has unique needs, the right insurance plan will vary based on your specific situation.
In the event of an accident or unforeseen incident, having the right insurance coverage can protect you from financial hardship and costly lawsuits. That’s where we come in. Our expert agents will conduct a thorough review of your needs to help you identify the personal insurance policies essential for fully protecting your assets from potential losses.
Each policy offers different coverage levels and benefits, and selecting the right combination can help reduce overall costs. We’re committed to saving you money by reviewing your existing policies to find better coverage at lower rates, or by crafting a custom insurance package tailored specifically to your needs.
At On Point Insurance Brokers, we provide peace of mind, knowing you’re properly covered without the unnecessary burden of excessive premiums. Reach out today to explore your options and ensure you’re protected with the right personal insurance plan.
Personal Insurance
Auto
Auto insurance is required by state laws to protect drivers financially in case of accidents. Full coverage provides broader protection, including liability, collision, and comprehensive coverage, while liability-only insurance covers damage or injury to others in an accident you cause – it does not cover physical damage to your vehicle. Understanding your liability limits is crucial to ensure you have enough coverage to protect yourself from significant financial loss. On Point Insurance Brokers can help you choose the best auto insurance plan for your needs and budget, guiding you through claims and ensuring you’re fully protected.
Homeowners
Your home is often the largest investment you’ll make, and even if you no longer have a mortgage, it’s essential to insure it. While mortgage lenders typically require homeowners insurance to protect their investment, having coverage is equally important for homeowners without a mortgage. Homeowners insurance offers financial protection for your home and personal belongings in case of damage or loss due to events like fire, theft, wind and other perils per policy contracts. It typically includes coverage for the structure of your home, personal property, liability, detached structures and additional living expenses if you need to temporarily relocate. Understanding coverage limits and what specific causes of loss are covered is essential to ensure your home and valuables are adequately protected. On Point Insurance Brokers can help you find the right homeowners insurance policy, tailored to your needs, and assist you with navigating claims to ensure you’re properly covered.
Condo
Owning a condominium is a big investment, and even without a mortgage, it’s important to have the right insurance. Condominium unit insurance typically covers the interior of your unit—walls in—personal property, and liability protection. This insurance helps protect against damage to your belongings or the unit itself from incidents covered by the policy contract. While the condo association usually covers the building’s exterior and common areas, your policy ensures you’re protected for everything inside your unit. Understanding the coverage limits and what’s included in your policy is key to ensuring you’re adequately protected. On Point Insurance Brokers can help you find the best condo insurance policy for your needs and assist you in navigating claims to ensure you’re well covered.
Renters
Renters insurance is an essential way to protect your belongings, even if your landlord doesn’t require it. This coverage helps protect your personal property from events like fire, theft, or vandalism, and provides liability protection if someone is injured in your rental unit. While your landlord’s insurance may cover the building itself, it doesn’t protect your possessions or provide liability for accidents within your space. Understanding what is covered in your policy, including specific causes of loss, is key to ensuring you have the right level of protection. On Point Insurance Brokers can help you select the right renters insurance plan and walk you through the claims process to make sure you’re fully protected.
Rental Property
A rental property insurance policy is essential whether you have long-term tenants or rent your property through platforms like Airbnb. This coverage protects the structure of your property, as well as liability in case of accidents or injuries on the premises. For long-term tenants, the policy typically covers the building itself, while tenants are responsible for their personal belongings. In the case of short-term rentals like Airbnb, additional coverage may be required to protect against the unique risks associated with temporary stays. Understanding the specific coverage offered in your policy is vital to ensure your property is fully protected. On Point Insurance Brokers can help you find the right rental property insurance policy and guide you through the options to meet your needs.
Umbrella
A personal umbrella policy provides extra liability coverage beyond the limits of your existing auto, homeowners, or renters insurance. This policy helps protect you from large financial losses in the event of a lawsuit or significant claims that exceed the coverage limits of your primary policies. Whether you’re involved in a car accident, face a property damage claim, or deal with injuries on your property, an umbrella policy can offer additional peace of mind. Understanding the specific coverage and limits of your umbrella policy is essential to ensuring you’re protected against unforeseen events. On Point Insurance Brokers can help you determine the right umbrella policy for your needs and guide you through the process to ensure comprehensive protection.
Flood
Flood insurance is essential for protecting your home and belongings from the devastating effects of flooding, which isn’t typically covered by standard homeowners or renters insurance. Whether you live in a high-risk flood zone or an area with occasional heavy rainfall, having flood insurance ensures you’re financially protected in the event of water damage from floods. On Point Insurance Brokers can help you understand the specific coverage needed for your property and guide you through the process of selecting the right flood insurance policy. Our expert team will make sure you have the protection you need, whether you’re in a flood-prone area or simply want extra peace of mind.
Toy
Insuring your recreational vehicles, or “toys” like motorcycles, ATVs, dune buggies, side-by-sides, golf carts, snowmobiles, boats, jet skis, and other watercraft, is essential to ensure you’re protected while enjoying your adventures. These vehicles can be expensive to repair or replace if damaged, stolen, or involved in an accident, and having the right coverage helps protect both your investment and your safety. Whether you’re hitting the trails, enjoying the water, or cruising on the open road, On Point Insurance Brokers can help you find the right policy for your recreational vehicles, ensuring you’re covered for all the unexpected moments while you have fun.
Valuable Articles
Insuring valuable articles, such as jewelry, fine art, collectibles, antiques, and other high-value possessions, is crucial to protect them against loss, theft, or damage. Standard homeowners or renters insurance may offer limited coverage for these items, but a specialized policy for valuable articles provides more comprehensive protection. This ensures that your prized possessions are covered for their full value, giving you peace of mind knowing they are safeguarded. On Point Insurance Brokers can help you assess the value of your valuable items and tailor a policy that provides the right coverage, so you’re fully protected in case the unexpected happens.
Life
Life insurance is an important step in securing your family’s financial future, providing peace of mind knowing your loved ones will be taken care of if something happens to you. It helps cover expenses like funeral costs, outstanding debts, and future financial needs, such as education or living expenses. Whether you’re looking for term life insurance for temporary coverage or whole life insurance for lifelong protection and cash value accumulation, On Point Insurance Brokers can help you navigate your options. Our team will guide you in selecting the right life insurance policy tailored to your specific needs, ensuring your family is financially protected when they need it most.
Disability
Disability insurance is a vital safety net that helps protect your income if you become unable to work due to an illness or injury. It provides financial support by replacing a portion of your salary, ensuring you can continue to cover living expenses and maintain your standard of living while you focus on recovery. Whether you’re self-employed, work in a high-risk profession, or simply want to safeguard your future, On Point Insurance Brokers can help you find the right disability insurance policy. Our team will work with you to understand your needs and select coverage that ensures you’re protected in case the unexpected happens.
Health
Health insurance is essential for managing the cost of medical care, helping you cover expenses for doctor visits, prescriptions, hospital stays, and preventive care. It provides financial protection against unexpected health issues and ensures you have access to necessary treatments without overwhelming medical bills. Whether you’re looking for individual coverage, family plans, or specific options like dental or vision care, On Point Insurance Brokers can help you navigate the complexities of health insurance. Our team will assist you in finding a plan that fits your budget and health needs, ensuring you’re covered when it matters most.