Personal Insurance Products
It’s slow, it gets lousy gas mileage, it doesn’t have a GPS system and it’s not even air-conditioned. Yet an antique car can have great value to its owner. We don’t make cars like we used to; a traditional auto insurance policy just won’t do to insure your special vehicle.
We understand why your antique is important to you – and we understand how to insure it. ^top
You probably use your car every day. Every time you drive, you risk having a serious, life-changing accident. It is important to protect yourself and others with adequate liability coverage.
It is also important to have the right coverage. To ensure that you have the right coverage, you need to work with an agency that understands your needs and can identify the best carrier to meet them at the best price.
Factors that will determine the best auto insurance coverage for you include your driving record, the value of your car, your age and gender, and your claims history. ^top
Next to your home, your boat may be your most valuable possession. Yet boats are easily damaged by storms, the elements and accidents. We can provide the protection you need to enjoy your watercraft. ^top
Like any home, your condominium is an important asset that should be adequately insured.
Coverage is based on the condo’s replacement value. You may also be insured for replacement of the contents, theft of jewelry or business property, personal injury liability and more. ^top
Disability Income Protection
The odds of having a disability and being unable to work are much higher than the probability of death, yet most Americans lack disability protection. Disability income insurance provides financial protection when the wage earner’s income is interrupted or terminated because of an illness, sickness or accident. ^top
Every homeowner’s policy has exceptions that are not covered. Sometimes it makes sense to add special coverage. If you are anywhere near an area that may be affected by an earthquake, make certain you are adequately protected from earthquake damage. ^top
Is your artwork important to you? If so, make certain you protect it from fire, theft, water damage and other potential sources of harm. ^top
Every homeowner’s policy has exceptions that are not covered. Sometimes it makes sense to add special coverage. If you are anywhere near an area that may be affected by a flood, make certain you are adequately protected from flood damage. ^top
Your home is not only your most valuable asset, it is where your family spends most of its time. So when you protect your home, you are protecting your family.
Every home is different, so we offer many options. Coverage is based on the home’s replacement value. You may also be insured for replacement of the contents, theft of jewelry or business property, personal injury liability and more. ^top
What would happen if someone stole your name … your credit … your Social Security number? The Internet and other technological advances have made identity theft a multi-billion dollar problem. We can develop a plan to help you. ^top
Recreational vehicles, or RVs, bear little resemblance to ordinary vehicles and require special coverage. You have a great deal invested in your RV. Insurance will help you protect your investment. ^top
Tenant coverage provides protection for the contents of a rented apartment or home, as well as personal liability. ^top
If you travel frequently, it is worth protecting yourself with a travel accident policy. You never know when insurance will be needed – and you don’t want to run the risk of having an accident when you are far away from home. ^top
An umbrella policy gives you protection and can fill in the gaps that are left uncovered by other policies for personal acts or omission by you or residents of your household. Umbrella coverage is especially important for people who are in positions where they may be vulnerable to lawsuits. Coverage includes sports accidents, damage caused by pets and other miscellaneous events. ^top
Your collection of antiques, stamps, coins, sports memorabilia, ceramic figurines or other valuables probably means a great deal to you. It’s more than a hobby. You’ve spent many years creating your collection. Yet it can all be gone as a result of a single incident. Theft, fire, flooding or other natural or man-made disasters can ruin your collection. A personal article floater policy will enable you to replace it if you need to. ^top
We are fortunate to be part of the wealthiest generation in history. Even for those with moderate wealth, it is not unusual to own boats, recreational vehicles, second homes or other assets.
It is the American dream to be able to afford such assets. Insurance can help you be certain that once you own such luxuries, you are able to keep them. At McGrath Insurance, we protect the American dream, providing you with “Freedom from Worry.” Ask about our “Freedom Plan.” ^top