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Personal Insurance

For the protection of your personal assets, Knowles Associates has the experience to provide quality coverage and superior services at affordable premiums. We represent America’s leading insurance carriers who offer a complete portfolio of insurance products. We can meet all your personal insurance needs including auto, homeowners and condominium insurance, renter’s insurance, seasonal home coverage, personal liability insurance, personal affects insurance, and boat insurance.

Homeowners Insurance

Home insurance is an important way to protect one of your largest assets. Homeowners insurance provides coverage for the home itself, other structures on the property, your personal possessions or contents, as well as, liability for damage or injury caused by a household member. Your homeowner’s policy can be personalized to include increased coverage amounts and can provide special coverage for your specific needs including watercraft liability, backup of water or sewers, equipment breakdown, electronic equipment such as tablets, laptops, and smart phones, etc.

Automobile Insurance

Protecting yourself, your family and your vehicle in the event of an automobile accident is essential. Automobile insurance provides coverage for bodily injury and property damage caused by an at fault accident. It also provides coverage for injuries to yourself or a household resident. In addition, you can choose to insure your vehicle against physical loss or damage. An automobile policy can be designed to include coverage for Uninsured or Underinsured Motorist Coverage, Rental Reimbursement, Roadside Assistance or Towing and Electronic Equipment.

Umbrella Insurance

A Personal Umbrella policy provides protection once the liability coverage under your homeowner and automobile policies has been exhausted. Umbrella policies are designed to offer affordable and comprehensive coverage for catastrophic losses. Protecting your personal assets can be best accomplished by purchasing an umbrella policy.

Dwelling Fire Insurance

Dwelling Fire Insurance is similar to a homeowners policy, but is for the dwelling you own, not the dwelling you live in. It is the correct way to insure a home or unit(s) rented to tenants. This type of policy can be purchased to cover named perils or an open perils basis with exclusions. The dwelling itself is covered and can also provide liability protection.

Renters Insurance

Renters Insurance is for the individual or family that rents a home, apartment, condo, etc. It protects your personal property from loss and your assets through liability coverage.

Condo Insurance

If you own a condo or a townhouse, Condo Insurance is unique as you own the interior space. You are also responsible to provide coverage for common areas that you share ownership with association members. Condo Insurance protects your personal possessions, upgrades or improvements made to the interior, loss assessment to common areas and liability coverage.

Flood Insurance

Homeowners policies do not provide coverage for floods. Floods can be caused by heavy rains or storms, snow melt, blocked drainage systems, etc. Purchasing a flood policy whether or not you are in a high risk area can protect damage to your home from being financially devastating. Flood Insurance also provides coverage for equipment or items that are used to maintenance or run the home, i.e. water heater, furnace, etc. Under specific conditions, some contents coverage is available.

Inland Marine / Valuable Articles Insurance

Whether you have jewelry, fine art, furs, equipment used for health reasons, hearing aides, etc. this coverage can be very important. Most homeowners policies only provide coverage up to a certain limit per item if lost due to a covered peril. Inland Marine or Valuable Articles Insurance can be purchased to cover your possessions for their replacement or appraised value.

ATV, Motorcycle, Snowmobile, Watercraft & RV Insurance

Whichever type of recreation you enjoy, we can provide the insurance that you need to protect yourself, your family, your property and the property of others. Choosing the correct amount and type of coverage is extremely important while still keeping premiums affordable.

Event Insurance

No matter how carefully you plan, sometimes things just happen that are beyond your control. Whether severe weather forces you to postpone your event or your venue requires insurance, event insurance is the way to provide protection for unforeseen expenses due to cancellation or going out of business and liability exposure. Some types of events that can be protected by Event Insurance include weddings, conferences, etc.