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Personal Insurance
Personal insurance products from Williams Insurance Service provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages.
How we serve you is as important as what we provide. First, we listen to
you, then we discuss your needs and answer your questions. Next, we look at both your short-term and long-term objectives and help put your insurance and planning needs in perspective.
Williams Insurance Service provides the following types of personal insurance protection.
Auto (Personal)
This coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and some coverage is required by most states.
The second part covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
Click Here For an Auto Instaquote
Homeowners
If you have tangible assets, you need the protection of a homeowners policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way -- unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.
Click Here For a Homeowners Instaquote
Click Here For Homeowners Service Request
Landlord
Is a policy to cover a property owner from financial losses connected with their property which they let out. Mainly a landlord insurance policy will cover the building itself with the option of including the contents left within.
The policy will normally cover standard perils such as; fire, lightning, explosion, earthquake, storm, flood, escape of water/oil, subsidence, theft and malicious damage. Each insurance policy is different and may or may not include all these items. Most companies will provide the option to have extra cover on top of what is considered the standard coverage. These may include things such as accidental damage, legal protection, alternative accommodation costs, contents insurance or rent guarantee insurance
Please email us about this coverage: williams@wisservice.com
Renters
As a renter, you need to protect your personal property against theft and damage. Our renters insurance is hard to beat for convenience and value would not be replaced by your landlord in case of a loss. Renters insurance can help protect you in case of a liability lawsuit against you. This could occur in a situation where you are held responsible for:
- Injury to another person
- Damage to another person's property
Whether the incident occurred within your rented residence, or elsewhere
Please email us about this coverage: williams@wisservice.com
Condominium
Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas. You are responsible for the interior of your unit. Typically you need personal property and liability coverage. In addition to coverage for your floors, walls, cabinets and fixtures that your association's insurance probably will not cover.
Every association's insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condominium by-laws carefully.
Please email us about this coverage: williams@wisservice.com
Mobile Home
A special policy designed to meet the needs of mobile home owners or occupants, covering physical damage to the home, contents, and personal liability while the home is used as a permanent residence.
Please email us about this coverage: williams@wisservice.com
Earthquake
A form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary insurance policies do not cover earthquake loss.
Most earthquake insurance policies feature a high deductible, which makes this type of insurance useful if the entire home is destroyed, but not useful if the home is merely damaged. Rates depend on location and the probability of an earthquake. Rates may be cheaper for homes made of wood, which withstand earthquakes better than homes made of brick. Lower deductibles are available on some earthquake policies.
As with flood insurance or insurance on damage from a hurricane or other large-scale disasters, insurance companies must be careful when assigning this type of insurance, because an earthquake strong enough to destroy one home will probably destroy dozens of homes in the same area. If one company has written insurance policies on a large number of homes in a particular city, then a devastating earthquake will quickly drain all the company's resources. Insurance companies devote much study and effort toward risk management to avoid such cases.
Please email us about this coverage: williams@wisservice.com
Flood
Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.
The Federal Emergency Management Agency's (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a special hazard zone, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.
Please email us about this coverage: williams@wisservice.com
Personal Umbrella
You don't have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.
Umbrella policies offer inexpensive "peace of mind" for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor's child drowning in your pool or the delivery man being seriously injured by falling over your child's toys.
To qualify for a personal umbrella policy, all your assets including autos, motorcycles, plus dwellings, must be insured with high liability limits. Each insurance carrier has their own requirements for underlying liability limits.
Please email us about this coverage: williams@wisservice.com
Motorcycle, Dirt Bike, Quad, Rhino
Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance for your motorcycle.
Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.
Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. We have a variety of motorcycle policy options to meet your needs.
Click Here for a Motorcycle Quote
Boat, Personal Water craft
Boat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons used for personal recreation. Marine insurance is also available for commercial, or charter vessels.
Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometime called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.
Personal watercraft, such as jet skis and wave runners, are often our customer's first step into the boating world. Personal watercraft is extremely invigorating and fun for water lovers of all ages; however, they are not toys. Whether you are a first time boater or experienced captain, it is important that you have proper coverage for these vessels. Williams Insurance Service has policies that are geared specifically for your personal watercraft. Likewise, because of our expertise in this area we also have the ability to provide commercial marine insurance for companies that rent personal watercraft.
Please email us about this coverage: williams@wisservice.com
Motor Home & Travel Trailer
As much as you expend efforts to purchase your dream motor home, it is important to select appropriate motor home insurance policy. Legally speaking, you are required to have a certain minimum amount of coverage when you have your motor home registered. However, there are many insurance policies to ensure that your motor home obtains maximum coverage and protection. It is important to choose a policy that incorporates the recreational value of your motor home and does not treat it as another automobile.
Please email us about this coverage: williams@wisservice.com
Comprehensive Personal Liability
A form of liability insurance which reimburses the policyholder, if liable, to pay money for damage or injury caused to others. This form does not include automobile liability but does include almost every activity of the policyholder except such as may arise from the operations of a business, hence "personal" liability. The coverage is a part of either homeowners or tenants policies and is almost obsolete as a separate policy.
Please email us about this coverage: williams@wisservice.com
Mexico Insurance
Traveling to Mexico by land or water? For liability purposes, under Mexican law, you MUST have auto liability insurance specifically for Mexico provided by a Mexican insurance company that is authorized by Mexico National Insurance Commission. Most U.S. insurance does not provide coverage in Mexico.
Please email us about this coverage: williams@wisservice.com
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