We have strong working relationships with over 18 major Personal Lines markets including:
Automobile insurance gives you protection against losses resulting from the ownership and use of an automobile. Common coverage in auto policies includes fire, theft, collision, property damage, bodily injury liability, towing and labor, rental reimbursement and uninsured motorist.
If you own a home, you need homeowners insurance. This provides a safeguard against the financial consequences of personal losses, combining property and liability coverage that is tailored to meet your needs as a homeowner. The standard homeowners policy has two main sections: Section I covers your property, and Section II provides personal liability coverage (to cover you in case of lawsuits arising from incidents that occur on your property). Often, homeowners insurance is requisite by lenders in order to acquire a mortgage.
This policy affords you protection against losses resulting from the ownership and use of a motorcycle. Common coverage in motorcycle insurance includes fire, theft, collision, property damage and bodily injury liability.
Recreational vehicle insurance covers you against losses resulting from the ownership and use of motor homes, travel trailers, fifth wheels and off-road vehicles (such as quads, dune buggies and dirt bikes). Common coverage in RV insurance includes fire, theft, collision, property damage and bodily injury liability.
Coverage for losses above the limit of an underlying policy or policies such as homeowners and auto insurance. While it applies to losses over the dollar amount in the underlying policies, terms of coverage are sometimes broader than those of underlying policies.
Watercraft insurance provides physical and liability coverage for any personal boat (such as inboard, outboard, inboard/outboard and sailboats), as well as individual watercrafts (such as jet skis and wave runners).
This policy covers your liability for personal injury. Personal injury is defined as bodily injury, sickness, disease, disability, shock, mental anguish, mental injury, false arrest, false imprisonment, wrongful entry, wrongful detention, malicious prosecution, humiliation, libel, slander, defamation of character, or invasion of rights of privacy, including death as a result.
Homeowner policies donít cover earthquake damage. This coverage is used to provide protection for loss due to earth movement, including earthquake shocks and volcanic eruption.
Homeowner policies donít cover flood damage. This policy provides protection against loss due to water damage arising from flooding, surface water, tides, tidal waves and the overflow of any body of water.
INLAND MARINE COVERAGE
Inland marine insurance is designed to cover property that is frequently moved from one location to another, such as jewelry, furs, cameras, clothes and luggage, sports equipment, musical instruments, and so on. These kinds of property can by insured by an appropriate inland marine form, such as the personal articles floater.
A form of insurance that covers a policyholderís belongings against perils such as fire, theft, windstorm, hail, explosion, vandalism, riots, and others. It also provides personal liability coverage for damage the policyholder or dependents cause to third parties. It also provides additional living expenses, known as loss-of-use coverage, if a policyholder must move while his or her dwelling is repaired. It also can include coverage for property improvements. Possessions can be covered for their replacement cost or the actual cash value that includes depreciation.
Mobile home insurance provides a safeguard against the financial consequences of personal losses, combining property and liability coverage that is tailored to meet your needs as a mobile home owner. The standard mobile home policy has two main sections: Section I covers your property, and Section II provides personal liability coverage (to cover you in case of lawsuits arising from incidents that occur on your property).
The information on this website is intended for general information and as an aid to understanding the products and services available through Reinhardt Insurance. It is not designed to provide specific financial, legal, insurance, and investment or accounting advice. This website contains information about coverageís offered by Reinhardt Insurance but is not intended to list all the conditions and exclusions that apply to describe coverageís. Complete provisions, exclusions and limitations are set out in policy wording booklets, declarations and other insurance documents. Reinhardt Insurance products and services are only available in California jurisdictions where they may be legally provided. The products and services described on this website may change without notice. To ensure you have the most current and complete information, or if you have any questions, please contact a Reinhardt Insurance professional.