PERSONAL LINES

Personal lines insurance refers to the different policies made to protect individuals and families. Whether for auto, home or personal property, individuals need personal lines insurance to protect them from the risks of everyday life. Compared to the cost of losing a home, the cost of insurance is small and the financial protection it provides is invaluable. While insurance cannot undo the damage caused by fires or natural disasters, it can provide money to help rebuild both homes and lives.

Personal Lines Insurance Protection for Your:

• Auto
• Home-Apartment-Condominium
• Secondary/Seasonal Home
• Mobile Home
• Boat/Personal Watercraft
• Recreational Vehicle
• Motorcycle
• Jewelry/Fine Arts/Firearms/Collections
• Umbrella/Excess Liability

AUTO INSURANCE

You spend more time in your car than you think. Whether it’s the morning commute or a cross-country road trip, you need to know you’ve got a reliable co-pilot no matter what the open road brings. Even when the journey is unpredictable, you can trust Campbell-Eberly Insurance to be there with you.

​How do you know what coverage is right for you. Your agent can advise you based on your individual situation. But below, find general definitions of what types of auto insurance cover what.

WHAT DOES COMPREHENSIVE INSURANCE COVERAGE COVER? Comprehensive insurance coverage pays for damage to your car for covered losses in “other than collision” events such as fire, theft, explosion, glass claims, vandalism, or collision with an animal, minus your deductible.

WHAT DOES COLLISION INSURANCE COVERAGE COVER? Collision insurance coverage pays for damage to your car for covered losses when you collide with another car or object. It pays for repair costs regardless of fault, up to the value of your car at the time of loss, minus your deductible.

LIABILITY CAR INSURANCE: Pays monetary damages, such as medical expenses, to people injured in a covered accident for which you are found responsible or for damage to the property of others caused by you

UNINSURED MOTORIST COVERAGE: Uninsured motorist coverage protects you if you are injured in a covered accident by a driver without insurance or by a hit-and-run driver. You are also protected as a pedestrian.

UNDERINSURED MOTORIST COVERAGE: Underinsured motorist coverage protects you if you are injured in a covered accident by a driver with insufficient insurance or by a hit-and-run driver. Like uninsured motorist coverage, you are also protected as a pedestrian.

WHAT DOES MEDICAL PAYMENTS INSURANCE COVER? You and your passengers may have injuries resulting from an accident, regardless of who (or what) is at fault. Medical payment overage provides payment for the medical care of you and your passengers for those injuries resulting from the accident.
Health care costs continue to rise. Medical payments coverage can be a way for you to manage the financial impact a car accident can have on you and your household.

HOME OWNERS INSURANCE

We know your house is more than a roof and walls. It’s home. It doesn’t matter if you live in a split-level ranch on Main Street or an apartment downtown, or whether you own or rent. And not only can we insure your home, but we can cover all the stuff in it, too. We want your policy to offer peace of mind, so you can get on with life.

OWN A HOME? Campbell-Eberly Insurance believes in protecting your investment (and your sleep) with our insurance options, which combine property and personal liability coverages.

ARE YOU A RENTER? Even if you don’t own a home, you need dependable coverage. As a renter, you should know that although your landlord’s insurance policy covers the building, it probably doesn’t cover your possessions — or protect you from liability claims. Protect your belongings (and your checkbook).

UMBRELLA INSURANCE

You can do everything right in your day-to-day life and still get slapped with an unexpected lawsuit. Sometimes, standard liability protection simply isn’t enough, which is why Campbell-Eberly Insurance offers personal and commercial umbrella policies that go above and beyond to keep your family’s financial future protected.

SITUATIONS TO CONSIDER PURCHASING A PERSONAL UMBRELLA INSURANCE POLICY:

• You have teenage drivers or travel extensively.
• You like to entertain in your home.
• You have a dog. 
• You have a swimming pool.
• You own watercraft (i.e., a boat.)
• You own an off-road vehicle.
• You own a rental or vacation property.
• You participate in volunteer activities.