Personal Lines of 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 .  This can include damage to or theft of your car, your legal responsibility to others for bodily injury or property damage, 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.

 Homeowner's insurance pays for damage to your property if something unexpected happens, like a fire or burglary. When you have a mortgage, your lender requires that your property is protected by insurance and generally require proof that you have homeowner's insurance. 

 Life insurance is designed to pay money to "named beneficiaries" when you die. A beneficiary can be a spouse, a child, or even an organization. Each individual's situation is different, so call Cummings Insurance to help you better understand which insurance you should consider.

Renters Insurance generally covers smoke, fire, explosions, theft, vandalism, windstorms, lightning, and water damage from internal sources, such as plumbing or from a neighboring unit. It can also cover your personal property, the policyholder in case of a lawsuit, even guest medical expenses for people who might get injured while staying with you.

If you own a motorcycle and plan to ride it on public roads, most states require some form of “financial responsibility.” This means you can pay if you cause an accident and cause property damage or injuries. It may cover damage to your motorcycle, other property and injuries. 

Typical watercraft insurance covers theft; physical damage to the boat itself due to a collision or striking a submerged object; property damage to the boat caused by vandalism, a windstorm, or lightning; and medical payments for injured passengers and the owner and their family.