Personal Lines
Ford & Thomas offers a variety of personal insurance solutions such as auto, home, watercraft, motorcycle and more.
Homeowners
Homeowner’s insurance is a broad protection package policy that typically covers the insured, his or her spouse, children, resident relatives, and certain other persons under the age of 21 (living in the same household) against fire, personal liability exposure, and other perils.
Home sweet home and for many of us, our house is our greatest material asset. Most homeowners purchase insurance at the same time as they buy a home and then life goes on. Homeowner’s insurance policies have some nuances, however, that merit periodic attention. We recommend you verify how your homeowner’s limits are meeting your needs in these areas: coverage limits, personal property, personal liability, exclusions-limitations, and of course discounts and credits. Our qualified staff is happy to shop companies for you for FREE!
Automobile
Including: Motorcycles, ATVs, Motor Homes, Travel Trailers
Most people are familiar with auto insurance. From the time we learn to drive, the necessity and expense of coverage are common conversations. Without proper coverage, even a relatively minor injury sustained in a fender bender can go beyond what a policy might cover and wreak havoc on personal finances.
An auto insurance policy is a policy that can provide coverage for:
- bodily injury liability resulting from a collision caused by the insured
- collision property damage coverage
- comprehensive property damage not caused by a collision
- medical payments
- rental reimbursement
- towing/labor
- hired and non-owned coverage
- underinsured and uninsured motorist coverage
Watercraft
Boat and watercraft coverage under a homeowner’s policy is very limited. Watercraft personal property coverage may be limited to $1,000, while personal liability coverage is restricted to primarily non-motorized types of watercrafts. If you own a motorized boat or sailboat over 26’, it is recommended that you have a separate watercraft policy.
Umbrella
Umbrella Insurance provides broad insurance beyond traditional home and auto. It provides additional liability coverage above the limits of homeowner’s, auto, and boat insurance policies. It can also provide for claims that may be excluded by the primary policy. A personal umbrella policy is a very important part of an overall protection plan for a family. It protects the family “assets” from large monetary losses that can result from 3rd party liability, auto accidents, and property losses. We recommend that a family with small children, children that drive, and those that have sons/daughters away from home have an Umbrella Policy to help mitigate large monetary losses that may occur from the activity of children.
Life Insurance
Life insurance protects those that you care about from undue financial hardship when you are no longer alive. If you are single and do not have children, life insurance can help your family cover burial expenses. If you are married or have children, more considerations are at stake including medical and living expenses as well as funeral costs. There are many life insurance products available among those are: Term, Universal, Whole Life, Variables, Single Premiums, and Limited Payment. Whatever your situation, it is our pleasure to help find the best-case scenario for you and your family.
- Identify the most effective carriers for your situation.
- Take advantage of cost savings wherever possible.
