Whether we're dealing with a client's primary residence, vacation home, valuables, auto(s), boat, or any other significant investment, we pride ourselves in finding the broadest coverage at the most competitive price.VIST Insurance clients benefit from our knowledge of the personal lines marketplace as well as our strong relationships with insurance carriers and our in-house service resources.

Three important questions for consideration on Personal Line coverage:

1. Do you think your personal assets are properly protected?

2. Do you know if you have the best coverage for your personal assets as well as catastrophic coverage like floods, earthquakes, etc.?

3. Does your current agency or broker take a vested interest in all aspects of your insurance coverage?

If one or more of these concerns are not being met, VIST Insurance’s approach could make a significant difference in your coverage alternatives.

Glossary of Insurance Terms

Below is a brief overview and description of our personal lines product offerings as well as access to an expanded glossary of insurance terms.

Homeowners. This necessary coverage is for dwellings, condominiums, co-ops, and rented homes/apartments. Your personal liability is included in your homeowner’s policy to protect you against lawsuits for injuries sustained by another.

Automobile. We represent several carriers offering coverage for your personally owned, private passenger vehicle, including collector or antique vehicles. A wide range of coverages and options are available such as agreed value, lease gap coverage, lock replacement and rental car coverage.

Life. Life insurance provides protection for your spouse, your children, or other members of your family. It helps pay for outstanding bills, loans, legal costs, and burial expenses when you die. There are many forms of life insurance to consider: Term, Permanent, Whole or Variable. Not all life insurance is the same, to find the right coverage for you; we will assess your situation and provide you with customized alternatives that fit your needs.

Personal Excess Liability. This coverage provides an extra layer of protection over your primary home, vehicle, and watercraft liability limits for damages that you or members of your household may be held legally responsible. Limits of $1,000,000 and higher are available to protect your assets.

Valuable Articles. Provides extra coverage for specific classes of valuables beyond the standard coverage provided in your homeowner’s policy. Examples of variable articles that may be covered are jewelry, furs, paintings, sculptures, cameras, oriental rugs, silver, antiques and collectibles. In most cases, items are valued individually and deductibles are not applicable.

Watercraft. As a part of your personal insurance package, we can write coverage over your sail or power boat, Jet Ski or wave runner.

Flood. Floods are devastating and can happen anywhere. Your homeowner’s policy excludes the “flood-peril”. We can provide a quote for coverage through the National Flood Insurance Program. We also work with specialty markets that provide excess flood coverage.

Earthquake. Another natural disaster customarily excluded from the homeowners policy, we have specialty markets for earthquake coverage for your home and personal property.

For more information, please Contact Us. 

Personal Insurance Case Study

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