Personal Insurance

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What is Personal Lines Insurance?

Today, more than ever, it’s essential to make sure you have the right personal lines coverage. We know insurance can be confusing, at Gingerich Insurance we are here to help you understand what coverage you need so you’re protected when you need it most. Personal lines insurance refers to insurance that covers individuals against loss that results from death, injury, or property loss. This type of insurance is to protect people and families from losses they couldn’t afford to cover on their own. Personal lines insurance makes it possible to own a home and drive a car without risking significant financial loss.

Many people confuse personal lines with commercial lines, but they are not the same. Commercial lines provide property and casualty coverage for businesses. If you’re a business owner, both are important.

personal insurance

How Do Personal Lines Insurance Work?

It’s simple; personal lines insurance covers the purchaser and their families. These policies protect you from certain risks that could lead to catastrophic loss, such as natural disasters, theft, or fire; they can also cover death, accidents, lawsuits, and illness.

It’s always best to work with an insurance group that you trust; at Gingerich, we are here to clarify the confusion when it comes to personal lines. Of course, the amount of coverage you need will depend on how much you are willing to pay in premiums. However, we can help you tailor each policy’s coverage and deductibles to strike the right balance between the coverage and the premiums. When you work with us, we will always make recommendations tailored to your needs and budget. We are a broker with access to many carriers, and we work hard to find the coverage that best suits you!

Types of Personal Lines Insurance

The most common types of personal lines insurance include products like homeowners insurance, renters insurance, auto insurance, life insurance, disability insurance, flood insurance, earthquake insurance, umbrella insurance, and health insurance. To find out more about which of these are required by law, which are required by specific lenders, and which are just sound financial planning, contact us today. We’re here to help!

Personal Home

Personal Car

Personal Umbrella

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