Personal Insurance Products
Avery Hall offers a wide variety of personal insurance products to protect and manage the risks of life. We will carefully review your assets and liabilities before recommending any personal insurance policies. This ensures that you only purchase the coverages that you need, and that your family and assets are properly insured. Typical policies provided for our clients include:
Personal Automobile Insurance - Avery Hall offers some of the most competitive personal auto insurance rates in the region. With a variety of carriers available, we can place your personal auto policy with the right carrier for your particular situation. Major life events, such as buying a new car, adding a young driver, getting married, or purchasing an antique vehicle can have significant changes on your insurance rates. Let Avery Hall provide you with a competitive quote by filling our our personal automobile insurance application today.
Antique Automobile Insurance - Your collectible cars require special insurance policies to protect them from the perils of the garage and the open road. Whether you have an antique, vintage, classic, hot rod, or muscle car, Avery Hall has access to specialty insurance companies that offer the type of coverage that you need.
Tenants/Condominium Unit Insurance - Because condos consist of both common spaces owned by the association and private spaces owned by the condo owner, specific policies have been developed to cover each party. Condominium unit insurance will provide coverage like a homeowners policy to protect your personal property from theft and your personal liability related to your individual unit. Condo Associations are under immense pressure to limit their association fees, and reducing coverage or increasing deductables are common methods to reduce premiums. Therefore, it is extremely important that your personal condominium owners policy "fill in the gaps" to avoid nasty suprises.
Homeowners Insurance - Homeowner's insurance helps to protect your family from many risks that take place within and around your residence. Typical policies will cover injuries sustained by visitors to your home, the loss of personal property due to theft, and additional living expenses incurred when your property has become so damaged that it is no longer inhabitable. Many insurance companies have been limiting their property policies on Delmarva or substantially increasing premiums. At Avery Hall, we have been able to grow our number of homeowner's policies despite the hard market through our relationships with many insurance carriers. To learn more, complete our homeowner's insurance application or call our local office.
Flood Insurance - Did you know that most homeowners policies will not cover damages due to flooding? To help protect your home, the federal government has created the National Flood Insurance Program. Avery Hall participates in NFIP, and we are able to help you secure flood protection. The Delmarva Peninsula consists of low coastal plains and a significant amount of water front property, making relatively inexpensive flood insurance a very affodable way to protect your home. Because we have an in-house claims department, you can rely on us to help you resolve your flood claims quickly.
Dwelling Fire Policy - Sometimes a comprehensive homeowner's policy provides more coverage than you need. For example, a landlord needs to insure their rental property, but not the personal articles of the renter inside. In these instances, a named peril policy like this one will provide coverage limited to just the perils mentioned in the policy. By reducing the number of perils that you are insured against, you will obtain less expensive insurance premiums.
Motorcycle Insurance - Certainly, the risks associated with riding a motorcycle on the open road are a little different than driving a car. We can provide you with motorcycle insurance that takes these risks into account. For example, we can provide you with special coverage that protects your expensive after market accessories that make your motorcycle unique.
Recreational Vehicle Insurance - RV's, motor homes, and travel trailers need insurance policies that are different than passenger cars. Total Loss Replacement, Personal Contents, Emergency Expenses, Towing, and Campsite Liability coverages are generally not available with a basic auto policy.
Boat Insurance - Many consumers believe that their boat or personal watercraft is adequately insured through their homeowners policy. In many instances, your only protection might be against damage to the boat while it is stored at your house. With different forms and coverage endorsements available, choosing the right insurance policy can be difficult, time consuming, and confusing. To help choose the right coverage, trust Avery Hall to learn your needs and find the right coverage for you.
Personal Liability Insurance - In today's litigous society, it's important to carry adequate liability insurance protection. We can offer umbrella insurance policies to increase your level of coverage in the most cost effective manor. Umbrella policies provide additional insurance protection once your underlying auto or homeowner's policy limits are exhausted. This policy can also include coverage if your are sued for false imprisonment, wrongful eviction, lible, slander, defamation of charter, or invastion of privacy. The best rates and coverage typically happen when the umbrella policy is written by the same company that provides your homeowner's or personal auto policy. Contact Avery Hall today to schedule a comprehensive liability review to find your most appropriate liability coverage.
Avery Hall is here to help you manage the risks of life. To learn more about our insurance products and to get in touch with a licensed insurance professional, fill out our contact form. We'll respond to you by the next business day.
 
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