AUTOMOBILE LIABILITY INSURANCE:

Insures against loss through legal liability for bodily injury or property damage, caused by accident, and arising out of the ownership, maintenance, or use of motor vehicles. Medical payments coverage is an optional inclusion.

PHYSICAL DAMAGE COVERAGE:

Insures operator's motor vehicles from physical damage from fire, theft and other causes of loss, including glass breakage and collision.

HOMEOWNERS POLICY:

A single policy, at a discount from the cost of separate policies with identical coverage, is available to provide all of the essential property insurance and liability insurance for owners of homes and tenants of residence buildings.

Scheduled personal property endorsement or separate personal articles floater policy is frequently needed additional protection to cover valuable articles on a scheduled "risks of direct physical loss" basis for their full value. Endorsements include special computer coverage endorsement and home day care endorsement

UMBRELLA LIABILITY INSURANCE:

Provides excess liability limit over the scheduled underlying policies.