Selner Insurance -Logo

Auto, Home, Life and Business Insurance | North Wales, PA

Located in North Wales, PA
Serving Clients in Pennsylvania,
New Jersey and Delaware

 

 

Personal Insurance Products

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Auto – Covers your legal liability caused by an accident as well as coverage for your vehicle.  Contact us to discuss extra coverage options as well as many discounts available to help you save money.

Homeowners – Protects your home, which likely is your most valuable asset, by paying to repair or rebuild it if it’s damaged or destroyed.  Also included is coverage for your possessions, other structures on your premises and additional living expenses.  This powerful package policy also includes personal liability protection and can be expanded by endorsement for special circumstances or valuable items.

Life Insurance – While none of us wants to think about our own mortality, this important product would provide a designated amount for your family and loved ones so they can continue living the lifestyle to which they have become accustomed should the unthinkable happen.

Renters/Apartment – A renters policy is similar to a “homeowners” but does not include coverage for the building itself.  It covers your personal belongings such as clothing, furniture and electronics and includes personal liability protection.  Several endorsements are also available to customize coverage for your specific needs.

Condo Unit Owners – If you own a condo, you need unit owners insurance.  A unit owners policy covers the interior of your unit, your personal property and personal liability. Loss assessment coverage for your portion of damage to the buildings or common areas that either exceed or are not covered by your association’s master policy is also included.

Personal Umbrella – Coordinates with your home and auto policies to provide an extra layer of liability protection should you be held responsible in a catastrophic liability loss.  Coverage is included for defense costs and attorney fees associated with claims against you.

Valuable Items – Special coverage for specific items such as jewelry, fine arts, collectibles, etc. since the basic homeowners policy only provides limited coverage which may not meet your needs.

Flood – A flood is defined as a general and temporary condition where two or more acres of normally dry land or two or more adjacent properties are inundated by water or mudflow.  So, you don’t need to live near a river, creek or ocean to be in danger of sustaining flood damage.  Contact us today to discuss this important and often overlooked coverage.

ID Fraud – Helps restore your good name and credit in the event you fall victim to this increasingly common crime.  Even if you take all the right steps to prevent it, ID Fraud can still happen to you.  This protection helps cover your expenses related to identity theft.

Rental Properties – Provides building coverage for your tenant occupied dwelling as well as landlord liability to protect these unique exposures.  You can also add personal property coverage to protect any basic possessions you may keep there such as free standing appliances, etc.

Vacant Properties – Provides basic fire and vandalism coverage for a property you own which is not occupied.  These properties are inherently at greater risk.  Once occupied, the policy can be rewritten so you can enjoy broader coverage with a reduced premium.

Recreational Vehicles – Protects your “toys” such as watercraft, snowmobiles, motorcycles, campers, etc.  Similar to auto insurance, this product covers your RV and the liability exposure associated with it.  Have fun, but responsibly.

Contact us for competitively priced personal insurance policies and unmatched service