Home > Personal Insurance
Beacon's agents can help you with the following types of personal insurance:
We can also assist you with coverage in the areas of:
- Disability Income
- Flood
- Jewelry
- Other
What Other Personal Property & Liability Risks Should I Consider Insuring?
Boat/ Personal Watercraft (Jet Ski): Boats and personal watercraft have property and liability issues similar to cars. There is some coverage for smaller boats in most homeowner policies.
Learn more from the Insurance Information Institute web site www.iii.org/individuals/other/
Learn about licensing & registration from the Mass. Dept. Of Fish & Game web site www.sport.state.ma.us/
Personal Umbrella: These policies cover personal liability limits above the limits on your homeowner and auto policies. Coverage is written in $1,000,000 increments.
Learn more from the Insurance Information Institute web site www.iii.org/individuals/homei/hbs/umbrella/
Flood: Flood perils are covered under the National Flood Insurance Program (NFIP). Over 25% of flood claims are made by property owners in low to moderate risk flood areas.
Learn more about flood insurance and your property’s flood risk from the NFIP web site www.floodsmart.gov.
Motorcycle: In most cases you can get coverage through an auto insurance policy.
Learn more from the Insurance Information Institute web site www.iii.org/individuals/other/insurance/motorcycle/
Motorized R.V.s: In most cases you can get coverage for motorized R.V.s under a personal auto policy.
Snowmobiles & Other Motorized Off Road Vehicles , Campers/ Trailers , Antique Cars: These vehicles require special insurance programs.
Workers Compensation for In Home Child Care, Other Domestics & Uninsured Laborers: Individuals regularly hiring employees/contractors who don’t provide their own insurance should insure these individuals while performing work for you under a workers compensation policy.
Learn more from the Insurance Information Institute web site www.iii.org/individuals/other/insurance/householdhelp/
Rental Properties: Dwellings with 1-4 units that are not occupied by the owner can often be insured by a dwelling fire policy. These policies are similar to homeowners insurance but do not cover the owner’s personal property without an extra premium. Seasonal and vacation properties will often be insured under a dwelling fire policy if the owner’s dwelling is rented for more than a few days per year.
Home-Based Businesses: Business property and liability is minimally covered by home an condo policies. Beacon has a number of programs to ensure you get the coverage you need.
Learn more from the Insurance Information Institute web site www.iii.org/individuals/business/buyingandsaving/homebusiness/