Personal

Personal

Community Financial offers personal insurance to protect all the things you worked hard to acquire. The multitude of insurance policies offered ensures that you and your loved ones can continue to enjoy the quality of life that you want.

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Homeowners Insurance

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered, but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
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Dwelling Insurance

Similar to homeowners insurance, dwelling insurance only covers damage to the dwelling itself and other structures on the premises. For an additional premium, coverage can be added for Personal Property, Personal Liability, Rental Value, Additional Living Expenses, and other similar coverage to suit your needs.

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Mobile Home Insurance

Mobile home insurance covers a mobile home and adjoining structures from most types of loss. Coverage is offered for a wide array of risks, including but not limited to fire, windstorm damage, damage from falling objects, lightning, explosion, and more. The majority of the time, a standard mobile home policy will not cover your mobile home while it is in transit.

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Renters Insurance

Renters insurance covers a policyholder’s 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.
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Auto Insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:


  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes, lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.
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Watercraft Insurance

Watercraft insurance protects you against financial loss if you have an accident in your motorboat, jet ski, pontoon, sailboat, or any other watercraft. It protects theft, damage to your watercraft, and covers any medical costs relating to a watercraft accident.

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Umbrella Insurance

Umbrella insurance provides 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.
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Flood Insurance

Coverage for flood damage is available from the federal government under the National Flood Insurance Program but is sold by licensed insurance agents. Flood coverage is excluded under homeowners policies and many commercial property policies. However, flood damage is covered under the comprehensive portion of an auto insurance policy.
© Insurance Information Institute, Inc.