Personal Insurance

Homeowners Insurance

Properly protecting your largest asset is the first step in a well thought out personal insurance program. Canary Blomstrom’s licensed professionals will walk you through every step of the way to ensure that you are properly covered in the event of a loss. A properly written policy will include the following:

Basic Protection You Need For:

• Dwelling – Coverage that provides money to rebuild or repair your home.
• Other buildings or structures on your property – Coverage for detached garages, pool houses, stone walls, etc. that are not covered under your dwelling coverage
• Contents – Your personal belongings (e.g. furniture, clothing, appliances, etc.)
• Additional living expenses – Coverage that will provide funds to rent other living accommodations while your home is being repaired or replaced.
• Liability – Coverage that provides legal defense in the event you are sued for negligence (i.e. slip and fall, injuries, etc.)

Optional Coverage For Additional Security:

• Guaranteed Dwelling Replacement – Your home will be replaced regardless of the actual cost at the time of loss.
• Replacement Cost on Contents – Eliminates any depreciation to your contents at the time of loss.
• Water/Sewer Backup or Sump Pump Failure – Provides coverage for water backing up into the home through sewers and drains. Coverage is also provided for sump pump failures.
• Equipment Breakdown – Provides coverage for sudden mechanical failure for in-home electronics and equipment including furnaces/boilers, AC/heating systems, appliances, etc.

Additional Coverage Available Includes:

• Ordinance/Law – Provides coverage for the additional costs associated with bringing a home up to current building codes.
• Identity Theft – Provides coverage for theft of your identity and associated costs to get your identity back.
• Refrigerated Food – Provides coverage for food spoilage after a power failure.
• Underground Utility Line – Provides coverage for damage to underground utilities (i.e. water, electrical, sewer, etc.) that service the home.

Personal Umbrella

A personal umbrella provides broader coverage and higher limits above and beyond the limits of your homeowners, automobile, and watercraft polices. It is designed to eliminate your out of pocket expense as a result of a lawsuit or judgement.

Automobile Insurance

To properly protect yourself from the ever-present danger of significant liability awards, it is imperative that you maintain the proper level of coverage for your individual risk and security profile. Canary Blomstrom’s personal insurance experts can help you navigate the myriad coverage complexities to find the right combination and balance for your personal situation.

A properly written policy will include:

Standard Auto Policy Coverage

• Bodily Injury – Coverage that responds to injuries to another party.
• Property Damage – Coverage that responds to damage of another’s physical property
• Uninsured/Underinsured Motorist – Coverage that responds to your injuries when another driver does not have insurance or does not have enough insurance.
• Personal Injury/Medical Payments – Provides coverage for you and other’s injuries regardless of fault.

Optional Coverage

• Comprehensive / Collision Coverage – Provides coverage for physical damage or theft to your vehicle.
• Substitute Transportation – Provides coverage to rent a car in the event your car is undriveable.
• Towing / Labor & Roadside Assistance – Provides coverage to tow your vehicle to the nearest repair facility or provide roadside repairs (tire, fuel, etc.) in the event of an emergency.

Boat & Yacht Insurance

Whether you’re dry docked or enjoying life on the high seas make sure you’re covered by one of our comprehensive Boat & Yacht Insurance Plans. Due to a yacht policy’s complexities, a properly structured boat or yacht policy is imperative to recovering after a loss.

Coverage Available

• Hull Coverage – Provides physical damage coverage for your boat or yacht.
• Medical Payments – Provides coverage for minor injuries regardless of fault
• Uninsured/Underinsured Boaters – Provides coverage to you for injuries caused by another party where they don’t have insurance, or don’t have enough insurance.
• Protection & Indemnity (Liability) – Provides coverage for injuries or property damaged caused by your vessel. Protection & Indemnity will also provide coverage for pollution caused by your vessel.
• Emergency Towing- Provides coverage in the event your boat/yacht needs to be towed.
• Personal Effects- Coverage provided for personal property brought aboard the boat/yacht.
• Hurricane Haul-Out – Provides coverage to haul boat/yacht due to impending hurricane or tropical storms.
• Trailer – Provides physical damage coverage to listed trailers.