Personal Department Overview


automobile Insurance

When you buy an auto insurance policy, you are buying a package of individual coverage as it can cover you for accidents involving other vehicles, weather, theft, vandalism, property damages, bodily injuries and more.

Once you understand the various coverages, you can select which coverage to include in your personal insurance package that properly suits your driving style as our policies are customizable.

Services we offer for personal auto:

  • Personal Vehicle Insurance (Owned / Non-Owned)

  • RideShare Insurance (Uber / Lyft)


property insurance

If you have tangible assets, you need the protection of a homeowners insurance policy. Property insurance is coverage for damages caused by fire and lightning, smoke, weather, vandalism, theft, and other perils. These policies fundamentally cover you and your family 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 as you can protect yourself from liability claims against you.

Common types of property insurance are:

  • HOMEOWNERS

  • CONDO

  • RENTERS / TENANTS

  • MOBILE / MANUFACTURED HOME

  • EARTHQUAKE

  • FLOOD


umbrella

Homeowners, auto, and watercraft policies have a certain limit on liability insurance. If an unfortunate accident should happen that is your fault, you should have sufficient liability insurance from your current policies to cover your costs for negligence that may go beyond the limits and coverages.

Umbrella Insurance is also named excess liability insurance as a fail-secure and safe system for your savings and other essential assets particularly when the limits of your primary policies are exhausted.


motorcycle insurance

Motorcycle insurance is a way of sharing the risks of riding between you and your insurance carrier. Whether you have a sport bike, chopper, cruiser, moped, touring bike, dirt bike, scooters, standard, antique, or even a custom ride, motorcycle insurance can protect yourself on the road.


Whether you have small boats, yachts, high-performance powerboats, live-aboard houseboats, catamarans, or pontoons, boat/marine insurance is available for you. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels.

boat / marine insurance


 
 
 

Koram Insurance 한미보험