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Personal Lines

CALL Cheryl @ 951-219-0006.

 

Homeowners Insurance

Personal Lines

If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you 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.

The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.


Auto Insurance

Personal Lines

Most people already have a personal automobile insurance policy. But is it the right policy for your needs? Are you getting the best rates available? Are you sure what UMPD, IM, UIM, BI, or PD mean? Call us or simply fill out an online quote request and one of our agents will help you make sure you have the coverages you need and to make sure you’re not pay for coverages you may not need!


Boats & Marine Insurance

Personal Lines

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

Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometimes called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.


Motorcycle Insurance

Personal Lines

Whether you're an enthusiast or a first-timer, having fun, being responsible and being safe is what it's all about. Being responsible includes finding the right insurance for your motorcycle.

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. At Aldridge Insurance Agency, we have a variety of motorcycle policy options to meet your needs.


Condominium Insurance

Personal Lines

Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas.

You are responsible for the interior of your unit. Typically you need personal property and liability coverage in addition to coverage for your floors, walls, cabinets and fixtures that your association’s insurance probably will not cover.

Every association's insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condominium by-laws carefully.


Individual Life Insurance

Personal Lines

A CUP OF COFFEE A DAY! Can you think of a reason that you can't spend the cost of a cup of coffee a day to protect your family? Term Life insurance is the most affordable way to protect your family and estate in the event of an unexpected death. We have term policies that range from 5-30 years of protection. Give us a call or fill out a request for a quote and let us help you determine what’s right for you-right now.


Individual & Family Health Insurance

Personal Lines

Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer. Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your families.

K2 Insurance Brokers offers health insurance programs to individuals which offer extensive coverage as well as high-deductible programs which are designed to protect against catastrophic financial losses.

As an independent agency, K2 Insurance can provide insurance plans from numerous health insurance companies. With the health insurance market changing frequently, we are always on the lookout for quality, service-oriented insurance companies for our clients.