PERSONAL INSURANCE
Auto Insurance
From policies covering bodily injury, liability, and property damage to comprehensive coverage that covers non-collision injuries, we offer a variety of competitive auto insurance options that allow you to build a custom auto policy to suit your needs.
We know that it’s important that you have the right coverage for your vehicle at the right price. That’s why we’re proud to offer you a variety of affordable auto insurance options:
Bodily Injury Liability
Covers injuries to others caused by the policyholder while operating an automobile.
Medical or Personal Injury Protection
Covers treatment of the driver and passengers of the policyholder’s car in the event of an accident.
Property Damage Liability
Covers damages caused to someone else’s property by the policyholder while operating an automobile.
Collision
Insures the policyholder from loss during a collision with another vehicle or object.
Comprehensive
Protection for the policyholder’s car from damage and loss resulting from incidents other than collision.
Uninsured Motorist Coverage
Covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured driver.
Home Insurance
Owning your home is a big investment. Make sure it's protected properly with an insurance policy from My Protection Insurance Agency. We work with several popular carriers to find you the best rate and coverage for your home.
Home Insurance Includes Protections for:
- The physical structure of your home
- Replacement cost
- Personal possessions
- Additional living expenses (in the event of covered loss or a natural disaster)
- Personal Liability
Specialty Home Insurance Coverage Options
- Valuable Articles/Floater Insurance Policies (i.e. Jewelry Insurance)
- Flood Insurance Policies
- Earthquake Insurance Policies
- A Umbrella Insurance Policies (additional liability)
- Animal Liability (liability issues due to household pets)
Condo Insurance
If you own a townhouse or condo, you deserve protection beyond the type provided by your condo association. Get replacement coverage for your furniture, kitchen, and bath facilities, appliances, and all personal items in case of damage.
High Net Worth Insurance
Is your home worth over a million dollars? Make sure it's protected with an insurance policy from My Protection Insurance Agency.
Renters Insurance
As a renter, you should never assume that your landlord’s home insurance will cover your assets. My Protection Insurance Agency can keep your personal assets and belongings safe with an insurance policy designed with tenants in mind.
Flood Insurance
Get protection against destruction or financial devastation caused by floods, heavy rainfalls, storm surges, and blocked storm drains. It only takes a few inches of water to cause serious damage. Flood insurance by My Protection Insurance Agency can keep you covered with a policy specifically designed for your property’s location and flood history.
Watercraft Insurance
Remain protected from liability issues that go beyond the liability limits of standard insurance policies. An Umbrella Insurance policy will extend those limits to provide additional coverage, preventing you from having to worry about liability costs in the future.
Yacht & Mega Yacht Insurance
Protect your yacht or mega yacht with insurance from My Protection Insurance Agency.
Health Insurance
Are you not covered under your employer’s insurance or are you self-employed? My Protection Insurance Agency can provide you with coverage for doctor visits, prescriptions, specialized care, surgical procedures, and more.
Disability Insurance
If you become too sick or injured to work for an extended period of time, DI could help cover a portion of your income, including bonuses and commissions. There are three types of Disability insurance: Group, Long term, and short term.
Group Disability Insurance
Group Disability insurance helps attract and retain quality employees and is tax deductible to the business. These plans typically provide the disabled employee with up to 70 percent of pre-disability income (to a specified maximum), and to quality, your office must have 10-499 Employees.
Long Term Disability Insurance
Long Term Disability (LTD) Insurance replaces a portion of an employee’s income when they are unable to work for an extended period due to a disability. Because every claim is unique, claim managers regularly assess work capacity and engage in-house clinical and vocational resources to help address medical and non-medical barriers to recovery and a return to work and/or a Return to Life.
• Benefit periods of 2 years, 5 years and to age 65
• Elimination periods from 30 days to 2 years
• Coverage up to 70% of income (to a $25,000/month maximum)
• “Own Occupation” definition of disability plans available
Short Term Disability Insurance
Short Term Disability (STD) Insurance provides a source of income for employees who temporarily cannot work due to a disability. With a focus on returning them to work, claim managers make quick and accurate decisions that allow employees to focus on recovery instead of paperwork. • Benefit periods up to 52 weeks
• Elimination periods as little as 0 days for an accident and 3 days for an illness
• Coverage up to 70% of income (to a $5,000/week maximum)
Individual Disability Insurance
Individual disability insurance can be your only disability insurance policy (if your employer does not offer a group policy) or can act as supplemental disability insurance, which fills in the gap between your employer-sponsored plan and the amount you need to survive financially if you become disabled. It is important to think long-term and consider the potential devastating effects of losing your income.
• Provide Evidence of Good Health
The insurance carrier can decide whether to insure you. As a result, the insurance carrier can be picky with whom they offer coverage to. The good news is this allows the company to be more liberal with policy provisions, providing you with better policy definitions.
• Portable Policy
If you leave your employer, you can carry your individual policy with you and increase it as your income increases.
• Non-Cancelable
Coverage cannot be cancelled by the insurance carrier if you pay your premiums on time.
• Tax-Free
Benefits are usually tax-free income during disability if you pay with personal dollars.
• Protects Your Insurability
If you experience an adverse change in health, you can increase your individual / supplemental policy in the future without worrying about losing group benefits if you leave your employer.