Personal Insurance Solutions Starts with LMBF
Personal lines insurance is any insurance coverage that protects the individual, not an organization or a business, from losses that come of loss of property or damages to property, as well as death and injury. Personal insurance is important for families and individuals who do not have the finances or do not wish to front the bill of a loss on their own. For many personal insurance products, coverage is necessary to do certain things - like drive a car or mortgage a house. LMBF offers free personal insurance quotes for products like auto, home, condo, and recreational vehicle. See how to get started on better solutions today.
Personal Lines Insurance - What it Covers
Damages
Personal insurance, depending on the product, may contain coverage for physical property, such as your home if it is damaged in a fire or natural disaster, or your car (if you have comprehensive coverage) from a hailstorm. Personal insurance policies protect against different kinds of physical risks that could lead to financial losses, like theft, falling objects, accidents, etc.
Death & Injury
Personal insurance products may contain coverage for accident benefits, like with automobile insurance, or contains liability insurance that covers the individual or family from lawsuit expenses if they should cause injury or damage to someone else. Some policies contain coverage for funeral expenses and repartition costs.
& More
Depending on the product, personal insurance covers other expenses pertaining to loss, such as additional living expenses or temporary replacement if an individual is forced to evacuate their home for a duration of time and must make living arrangements elsewhere or drive a rental vehicle while theirs is off for repairs.
- Loss of property
- Personal liability
- Unexpected events
- Death & injury
- Maintenance losses
- Intentional damages
- Gradual damage
- Criminal activities
Personal lines vs commercial lines insurance
Personal lines insurance is purchased by an individual or a family, not by an organization or a business. It is purchased to cover individuals and families, as well as their property, against a variety of personal risks that would otherwise result in financal loss. Commercial lines offer property and casualty coverage for businesses and exist in a wiide variety of forms depending on the business being insured and the types of coverage.
Types of Personal Insurance Products
Our Personal Insurance partners
In its efforts to serve you better, LMBF partners with only the very best personal insurance companies. When we help you shop for a personal insurance quote, we choose from some of the most affordable plans from carriers who offer the most comprehensive coverage. LMBF wants to help you save more and protect more; we ensure that our process to purchase insurance, and to file a claim, is always simple and hassle-free.
