Menu
One of the realities of life is the need for insurance. This is because there are liabilities anywhere and everywhere we go. But what exactly is personal lines insurance? To put it simply, it is protection for an individual against any type of loss, whether related to health, property, or otherwise. From home owning to renting to simply owning a car, a personal lines insurance plan grants peace of mind to those in positions of unexpected vulnerability.
One of the most common types of personal lines insurance is for homeowners. Homes are susceptible to many types of potential damage, both on the home itself as well as the objects inside. This insurance encompasses theft, vandalism, weather, and more. The growing number of natural disasters due to the change in climate makes it imperative to be insured now more than ever.
Similar to homeowners insurance, renters insurance covers the loss of or damage to property. People who qualify for renters insurance are both full-time renters as well as those who sublet. This encompasses all styles of housing, including apartments, homes, condos, duplexes, studios, and more.
This plan offers coverage catered to landlords that differs from homeowners insurance. Along with covering damage to property, dwelling fire insurance also covers liability and loss of income due to a covered loss if renters must move out for a period of time.
Auto insurance is perhaps the most familiar form of insurance. This policy covers a wide range of liabilities that arise through vehicles. This encompasses theft and vandalism, as well as bodily harm and damage to vehicles due to accidents.
At Pacific Legacy Insurance, we are proud to offer the California FAIR Plan. Due to the growing amount of wildfires plaguing the state, some insurance companies will not offer insurance in high-risk areas. These areas are qualified for the California FAIR Plan and guarantee coverage in the event of a fire.
