Personal Insurance
It’s our priority to help you protect your family and your hard-earned assets by providing you with personal insurance policy coverage that is tailored to meet your specific needs. By representing many insurance companies, we will be able to find the right company and product for you. Billmark’s Lake Area Insurance provides the following types of personal insurance protection.
Auto
Personal Auto – Collector Car – Motor Home – Travel Trailer
No matter the type of vehicle you drive, or the amount of time you spend driving it, Auto Insurance is mandatory coverage in Minnesota.
Auto Liability protects you and your interests in case you are the cause of an accident
Personal Injury Protection (PIP) covers medical expenses that may incur in case of an accident. PIP covers YOU and your passengers.
Underinsured/Uninsured Motorist coverage covers you in case an accident occurs and the other person involved has lower limits or no insurance.
Comprehensive covers damage done to the vehicle while it is not moving. This can also be referred to as “Other Than Collision”.
Wondering how much your car is worth?
www.nada.com
www.kbb.com
Wondering about your credit rating?
www.equifax.com
www.experian.com
www.transunion.com
Homeowners/Property
Homeowners – Farms – Seasonal Home – Dwelling/Fire
Landlord – Condo – Mobile Homes – Renters – Flood
Whether you own a house, townhome, or a condo, Homeowners Insurance provides coverage for your home from a wide assortment of dangers. Personal Property Insurance provides coverage for the things inside your home, whether you own or rent. To find a policy that is right for you, please talk to our agents. We are more than happy to assist you in finding the policy that fits your needs.
Do you have questions? Contact Us
Recreation
Snowmobile – ATVs – Motorcycles
Similar to Auto Insurance, Recreational Vehicle insurance provides coverage for your motorized toys that move over land.
Wondering how much your recreational vehicle is worth? www.nada.com
Watercraft
Boats – Personal Watercrafts
The ownership of boats and personal watercrafts/jet skis create exposures to financial loss. Examples of potential losses include collision with a boat or dock, hitting a swimmer, theft from your home or damage while the boat is being trailered.
Protection from these exposures is available in a variety of ways from coverages added to a homeowners policy to a boat insurance policy.
Typical insurance needs for boatowners include protection for the boat, motor, trailer and equipment as well as watercraft liability, medical expense and uninsured boaters coverage.
Wondering what your watercraft is worth? www.nada.com
Liability
Personal Umbrella – Farm Umbrella – Owners Landlords Tenants
Umbrella Liability Insurance is an added coat of protection. Umbrella coverage will go over all your personal policies adding another limit of coverage for life’s catastrophes.
In the “sue-and sue big” world we live in, all of us are vulnerable to involvement in situations where we could be found liable. Just by living, operating a motor vehicle/recreational vehicles, we could become the targets of legal action and face potentially huge judgments in addition to high legal defense cost.
