Aircraft coverage may protect you in the event that certain negligent acts and/or omissions result in losses in connection with the use, ownership, or maintenance of aircraft.
Also known as a Personal Articles Floater, this type of coverage is typically added to a Homeowners Policy. Items such as jewelry, collectibles, fine arts, and rare books which can be specifically described and listed for an insured amount. Coverage for these items is generally restricted under a Homeowners Policy, so the Personal Articles Floater is important to fill the gap in coverage for these items.
Coverage on the risks associated with driving or owning an automobile. It may include collision, liability, comprehensive, medical, and uninsured/underinsured motorist coverages.
Boat coverage may protect you if you injure someone with your boat or damage their property. Boat liability coverage typically provides protection for legal liability because of an accident resulting from the ownership, maintenance, or use of your watercraft, including bodily injury, property damage, and legal defense.
Homes located in designated wildfire regions often face a heightened risk of severe fire damage, making it difficult to secure a typical Homeowners Policy. In such cases, depending on your home’s location, specialized coverage may be required. This coverage usually begins with a basic policy to meet essential fire insurance needs, protecting both the structure and personal property.
From there, supplemental policies can be tailored to provide additional protection, including water damage, theft, personal liability, and even specialized coverage for valuable items like art, antiques, jewelry, and other collectibles. Even in areas where traditional insurers may be limited, the UWIB team is dedicated to finding a comprehensive solution that works for you.
Earthquake coverage is typically excluded (along with other earth movement) from most homeowner’s insurance policies.
Flood coverage is typically excluded (along with other earth movement) from most homeowner’s insurance policies.
Also known as Inservant/Outservant coverage, this type of coverage is essential if you have Full Time employees working in or outside your home. A Full Time Inservant is defined as a person employed to work for another, especially one who performs household duties and who works for 20 hours or more per week. A Full Time Outservant is defined as a domestic servant whose principal duties are outside, such as a gardener or chauffeur, and who works 10 hours or more per week.
A package insurance policy providing property and liability coverages tailored to the needs of most home owners and condominium owners. Various versions are available depending on the type of dwelling insured and the scope of protection to be covered. They typically include Dwelling coverage to repair or rebuild your home, Personal Property coverage if personal items are damaged or destroyed, Loss of Use coverage for additional housing costs should you need to live outside of your home as it’s being repaired, and Liability coverage which helps protect your assets and cover your defense costs in the event of certain lawsuits.
Motorcycle insurance is designed for two- and three-wheeled vehicles licensed for use on public roads, such as; Factory-built motorcycles, Classic motorcycles, Custom motorcycles, Motor scooters, Minibikes, and Trail bikes
Rental property coverage often includes Dwelling Fire coverage. Dwelling Fire is a narrow type of dwelling coverage which only helps protect against perils specifically named in the policy. Typically, this type of coverage only helps protect against claims arising from fire damage.
There are two types of RV insurance, Full-time and Recreational. Full-time RV insurance is designed for if you live in your RV (meaning it’s your primary residence for at least 6 months out of the year). Recreational is designed for if you don’t (typically doesn’t matter how many times you use your RV, as long as it’s not your primary residence).
Also known as Excess Liability coverage provides an insured with an additional layer of liability coverage limits in addition to the limits provided under a homeowners or vehicle liability policy. The option of an additional layer of Uninsured / Underinsured Motorist coverage is also available.