Protect Your Assets With Personal Lines Insurance

It took you years to find the perfect house, buy your dream car, and save up for your future. Southpoint can ensure that an unforeseen accident doesn’t take you back to square one.

Some of the most exciting moments in life carry the greatest risk. When you finally move into the perfect home, take your dream car for a spin, or buy that boat you’ve been eyeing for years, make sure that your financial and physical assets are protected with personal lines insurance coverage from Southpoint.

What Is Personal Lines Insurance?

Most people have personal belongings that they want to keep safe, like jewelry, furniture, or cars. Owning any valuable item leaves you vulnerable to financial risk, but you can protect yourself with personal insurance. Individual insurance policies keep you from draining your savings on an unexpected incident by covering costs related to property damage, lawsuits, bodily injury, car accidents, and more.

Personal lines insurance can include various types of coverage, including home insurance, renters insurance, auto insurance, personal property insurance, travel insurance, and even pet insurance. Whereas commercial insurance covers business-related risks, personal insurance protects individuals and their families from financial loss. Most people can’t afford to pay out-of-pocket for a new roof, new car, or week-long hospital visit, and with personal lines insurance, they don’t have to.

Finding good personal insurance can be tricky, but Southpoint can shop around for comprehensive coverage and affordable policies. We leverage our industry expertise to find you the right combination of personal lines coverage.

Home and Personal Property Insurance

Your home is probably the most valuable thing you own, and homeowners insurance keeps it safe. Home policies pay for covered damages to your house, garage, fence, other structures, and personal belongings. If you need to stay at a hotel during home repairs, your homeowner’s policy will cover living expenses. However, home insurance isn’t just for property damage; it includes liability insurance to pay for lawsuits. If someone gets hurt in your home or you cause damage to a neighbor’s property, your liability coverage will pay for defense and settlement costs if they decide to sue.

Personal Auto Insurance

If you drive a car, you need car insurance, and not just for personal reasons—most states require it. Your car is worth a significant amount of money, and one car accident could leave you with tens of thousands of dollars worth of damage. Car insurance protects your bank account after an accident you caused by paying for the other driver’s medical costs and vehicle damage. You can also opt for extra coverages that pay for damage to your own vehicle after a car accident, animal collision, theft, or natural disaster and customize your limits to best fit your vehicle and needs.

Yacht and Boat Insurance

You never know when a boating accident might happen. According to the U.S. Coast Guard, there were 5,265 recreational boating accidents in 2020 that caused over $60 million in property damage. Before you take your new watercraft out for its first voyage, protect yourself against financial damage with a yacht or boat insurance policy from Southpoint.

Personal Umbrella Policy

You can do all the right things and still end up without coverage after an unforeseen event. One particularly bad accident could snowball into a multi-million-dollar liability lawsuit that quickly exceeds your home or auto limits. However, you don’t have to drain your bank account once coverage stops—you can purchase a personal umbrella policy that picks up the bill when your other coverage ends.

Directors and Officers Insurance

Your board of directors and company officers are key players in your business. Sometimes, unhappy clients or employees single out individual executives and blame them for a bad business decision, financial mismanagement, or wrongful termination. D&O insurance protects their assets during a business-related lawsuit.

Renter’s Insurance

If you don’t own the space that you live in, you might be wondering: Why do I need insurance? Even though your landlord is responsible for property loss to your rented apartment, home, or townhouse, they aren’t responsible for accidents or property loss that occur in your space. Renter’s insurance picks up where your landlord’s policy ends. ou need, minus the steep price tag.

Business Owner’s Policy Insurance

As a small business owner, you might feel that most business insurance policies aren’t right for you—either they’re too expensive or they have unnecessary coverages. At Southpoint Insurance, we can help you find a business owner’s policy with all the essential coverages you need, minus the steep price tag.

Condo Insurance

Dwelling insurance is complicated, especially when you don’t own the whole building you occupy. As a condo owner, you’re only responsible for insuring the internal contents of your unit, and your condo association handles the rest. Southpoint can help you determine where your condo association’s coverage ends and where yours should begin.

Landlord Insurance

Renting out property is an excellent way to supplement your income, but it also exposes you to unique risks. Before you start drafting lease documents and vetting potential tenants, learn how to protect yourself and your property with a landlord insurance policy from Southpoint.

Become a Southpoint Personal Lines Partner

It’s not easy to identify every risk you face and find a policy that addresses them all. As a Southpoint personal lines partner, you don’t have to worry about looking for coverage; our insurance experts assess your needs and search for competitive quotes on your behalf. All you have to do is choose the policy you want, and we’ll take care of the rest.

Finding the Right Personal Insurance Plan

Every Southpoint personal lines client faces different risks and requires a tailor-made personal insurance plan. Whether you need a simple homeowners policy or coverage for your cars, boats, rental properties, and vacation condos, Southpoint can help. We know which insurance companies to contact for every coverage type, and we use our carrier relationships to offer clients the most comprehensive and affordable coverage.

Don’t settle for an overpriced, restrictive personal insurance plan. Let Southpoint do the heavy lifting and search for the top home, auto, renters, boat, and pet insurance plans. Contact us today to learn more about our coverages, carrier partners, and exceptional service.

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