Products
Personal Lines
Personal lines insurance protects individuals and families rather than businesses. It covers the things you own, like your car, your home and your belongings, along with the liability that comes with them if someone is hurt or their property is damaged.
Personal policies are built around your household and priced on your own situation, and many of them can be bundled together for broader protection and a lower price. Here are the personal lines products people ask us about most.
Personal lines
Our most popular personal lines products
Auto insurance
Liability, collision and comprehensive coverage for the cars, trucks and SUVs your household drives, plus uninsured motorist and roadside options.
Homeowners insurance
Covers your house, other structures and belongings against fire, wind, theft and more, with personal liability if someone is hurt on your property.
Renters insurance
Protects your belongings and personal liability when you rent, and helps with living expenses if a covered loss forces you out.
Condo insurance
Covers the interior of your unit, your improvements and belongings, and fills the gaps left by your association master policy.
Personal umbrella
Extra liability protection that sits above your auto, home and watercraft policies for a serious lawsuit or accident.
Motorcycle insurance
Liability and physical damage coverage for motorcycles, scooters and custom bikes, including accessories and riding gear.
Boat and watercraft
Coverage for boats, jet skis and sailboats, on and off the water, including liability, towing and trailer protection.
RV and motorhome
Protection for motorhomes, travel trailers and campers, with options for full-time RVers and vacation liability.
Flood insurance
Standard home policies exclude flood. NFIP and private flood policies cover your building and contents from rising water.
Landlord and rental dwelling
For homes and condos you rent to others: covers the building, lost rental income and your liability as the owner.
Valuables and collections
Scheduled coverage for jewelry, fine art, firearms, collectibles and other items worth more than a home policy limit covers.
Life insurance
Term and permanent life policies that replace income and protect your family financially if something happens to you.
Individual and family health
Medical coverage for you and your family when you are self-employed, between jobs or not covered through an employer.
Personal lines
Personal Lines Insurance Applications
Personal lines insurance covers individuals and families: your cars, your home and the things and activities that come with them. These are the supplementals applications that carriers most often ask for, grouped by the kind of risk they cover.
Auto & motor vehicles
- Private Passenger Auto
- Youthful / Newly Licensed Driver
- High-Value / Luxury Auto
- Classic & Antique Auto
- Collector Vehicle
- Modified / Custom Vehicle
- Rideshare Driver (TNC)
- Personal Vehicle Used for Delivery
- Non-Owner Auto
- SR-22 / High-Risk Driver
- Imported / Gray-Market Vehicle
- Electric Vehicle & Home Charger
- Excluded Driver Statement
- Garaging Address Verification
- Out-of-State / Student Driver
- Multi-Car Household Schedule
- Leased Vehicle / Gap Coverage
- Custom Equipment & Aftermarket Parts
- Kit Car / Replica Vehicle
- Exotic / Supercar
- Show Car / Limited-Use Vehicle
- Mature Driver
- International Driver / Foreign License
- Roadside Assistance / Motor Club
- Vehicle in Storage (Comprehensive Only)
- Military Deployment Vehicle Storage
- Hot Rod / Street Rod
- Personal Vehicle Used for Business
- Utility / Cargo Trailer
- Telematics / Usage-Based Program
Homeowners & dwelling
- Homeowners (HO-3)
- High-Value Home
- Condominium Unit Owner (HO-6)
- Renters / Tenant (HO-4)
- Dwelling Fire (DP-1 / DP-3)
- Landlord / Rental Dwelling
- Seasonal / Secondary Home
- Vacant or Unoccupied Dwelling
- Home Under Construction / Renovation
- Mobile / Manufactured Home
- Log Home
- Historic Home
- Coastal / Wind-Exposed Home
- Farm & Ranch Dwelling
- Townhome / Rowhouse
- Cabin / Remote Home
- Tiny Home
- Modular / Container Home
- Co-op Unit Owner
- Home Owned by an LLC or Trust
- Estate / Probate Dwelling
- Barndominium
- Dome / Earth-Sheltered Home
- Home with Accessory Dwelling Unit (ADU)
- Mixed-Use Home (Residence over Storefront)
- Owner-Occupied 2-4 Family
- Foreclosure / Bank-Owned Purchase
- Home on Leased Land
- Island / Ferry-Access Home
- Rural Home Without Hydrant (PC 9-10)
Home risk features
- Swimming Pool / Spa
- Trampoline
- Dog / Animal Liability
- Wood Stove / Solid Fuel Heater
- Roof Age & Condition
- Electrical (Knob & Tube / Aluminum Wiring)
- Underground Oil Tank
- Solar Panels
- Home-Based Business
- Short-Term Rental (Airbnb / VRBO)
- Daycare in the Home
- Prior Water Damage / Sump Pump
- Detached Structures / Barns
- Horses & Livestock on Premises
- Hobby Farm
- Standby Generator
- Water Leak Detection / Smart Home
- Central Station Alarm Certificate
- Residential Fire Sprinklers
- Polybutylene / Galvanized Plumbing
- Federal Pacific / Zinsco Electrical Panel
- Fireplace & Chimney
- Sewer & Drain Backup
- Outdoor Kitchen / Fire Pit
- Home Elevator / Stair Lift
- Pond or Lake on Property
- Private Shooting Range
- Home Battery Storage
- Equipment Breakdown (Home Systems)
- Service Line Coverage
Recreational vehicles & watercraft
- Motorcycle
- Motorhome / RV
- Travel Trailer / Fifth Wheel
- Full-Time RVer
- ATV / UTV
- Snowmobile
- Golf Cart / Low-Speed Vehicle
- Personal Watercraft (Jet Ski)
- Boat & Yacht
- Sailboat
- High-Performance Boat
- Charter / Liveaboard Vessel Use
- Dirt Bike / Off-Road
- Antique Motorcycle
- Aircraft / Drone (Personal)
- Pontoon Boat
- Bass / Fishing Boat
- Houseboat
- Classic / Wooden Boat
- Boat Dock & Lift
- Horse Trailer
- Toy Hauler
- E-Bike / E-Scooter
- Dune Buggy / Sand Rail
- Airboat / Hovercraft
- Track Day / HPDE
- Antique Tractor
- Ice Fishing Shanty
- Canoe, Kayak & Paddleboard
- Ultralight Aircraft
Valuables & collections
- Jewelry Floater
- Fine Art
- Firearms Collection
- Wine Collection
- Musical Instruments
- Camera & Electronics
- Coins & Stamps
- Sports Memorabilia
- Furs & Designer Goods
- Silverware & Antiques
- Watch Collection
- Rare Books & Manuscripts
- Comic Books & Trading Cards
- Precious Metals & Bullion
- Oriental Rugs & Tapestries
- Fine China & Crystal
- High-End Bicycles
- Golf Equipment
- Model Trains & Toys
- Mobility Scooter / Medical Equipment
Umbrella & personal liability
- Personal Umbrella
- Excess Liability (High Net Worth)
- Rental Property Umbrella
- Youthful Driver Umbrella
- Watercraft Umbrella
- Domestic Employees / Household Staff
- Board Member / Volunteer Liability
- Personal Injury / Libel
- Identity Theft / Personal Cyber
- Family Office / Trust-Owned Property
- Excess Uninsured / Underinsured Motorist
- Public Figure / Celebrity Liability
- Kidnap, Ransom & Extortion (Personal)
- Hunting Lease Liability
- Equestrian / Horse Owner Liability
- Trustee / Executor Liability
- Household Employment Practices
- Social Host Liquor Liability
- Beekeeping
- Exotic / Wild Animal Liability
Flood, earthquake & catastrophe
- NFIP Flood
- Private Flood
- Excess Flood
- Earthquake
- Windstorm / Hurricane
- Wildfire / Brush Area
- Sinkhole
- Hail / Roof Surfacing
- Elevation Certificate
- Mitigation / Wind Inspection
- Landslide & Mudslide
- Mine Subsidence
- Four-Point Inspection
- FAIR Plan Dwelling
- Wind-Only / Wind Pool
- Difference in Conditions (DIC)
- Ordinance or Law
- Extended Replacement Cost
- Loss of Use / Additional Living Expense
- Freeze & Ice Dam
Life, health & specialty
- Term Life
- Permanent / Whole Life
- Medicare Supplement
- Long-Term Care
- Disability Income
- Annuity Suitability
- Travel Insurance
- Pet Insurance
- Wedding / Special Event (Personal)
- Accident & Critical Illness
- Final Expense
- Universal Life
- Survivorship (Second-to-Die) Life
- Dental & Vision
- Hospital Indemnity
- Cancer Insurance
- Medicare Advantage / Part D
- Short-Term Medical
- Accidental Death & Dismemberment
- International Student Health
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