It pays to protect yourself against the unexpected, because there is no way to know how much personal insurance you may need one day.
Remco Agency’s personal insurance programs provide the piece-of-mind that comes with an added level of protection. We offer personal insurance coverage that shields you against damages to your home, automobile and other valuable assets. Choose from our comprehensive coverage options, including homeowners insurance, automobile insurance and umbrella coverage.
We provide the Tri-State area with the right personal insurance coverage at the best possible quote.
Remco Agency works to protect your home and quality of life.
Homeowners insurance coverage insures the value of your home and personal property from fire, theft or extreme weather. Homeowners insurance also covers replacement costs and living expenses.
We secure coverage on the most difficult homes to insure, including those on or close to the water, by offering quotes from numerous companies.
Homeowners insurance coverage includes:
- Property damage to the home
- Personal property
- Extra protection for valuable items
Remco’s representatives are well-versed in the complexities of automobile insurance. These policies offer protection, including accidents, fire and theft.
We’ll let you compare quotes on variable amounts of automobile insurance coverage to prevent costly out-of-pocket expenses later. Then, we help you find the perfect automobile insurance policy.
Automobile insurance coverage includes:
- Liability for property damage and injuries
- Medical coverage
Flood insurance reimburses your losses from unexpected water damage, such as flash floods, hurricanes, heavy rains and winter storms.
It provides coverage for costly property damage that may not be covered by your homeowners or renters policies.
Types of coverage include:
- Personal items
- Non-drywall walls or ceilings
- Window treatments
Remco’s qualified brokers guide you towards a flood insurance policy that best fits your needs.
Available policies include:
- Standard flood insurance covers up to four family residential buildings and single family units in a condo or townhouse building.
- General property policy insures five or more family residential and non-residential buildings.
- Residential condominium building association policy provides flood protection for condos and townhouses.
Most policies contain a 30-day waiting period, so don’t wait for the eve of a big storm to enroll in flood insurance.
Renters insurance protects renters from lawsuits or claims for injuries to their guests.
It also covers the costs of repairing or replacing tenants’ damaged, destroyed or stolen personal belongings.
Renters insurance is a solid investment when compared to the value of your personal items. It protects you from situations, such as falls, dog bites and alcohol-related incidents.
Remco Agency’s insurance agents assess your unique coverage situation. We compare a range of different policy options to help you make an informed choice about which type of renters insurance is right for you.
Renters Insurance coverage includes:
Investment Property Insurance
Investment property insurance preserves the value of your real estate holdings from fire, theft, property damage and other incidents.
Investment property owners, such as real estate investors and landlords, benefit from coverage that extends above and beyond traditional homeowners insurance. Investment property insurance prevents owners from bearing an unexpected financial burden.
Investment property insurance covers the structure of a building, loss of rental income, medical expenses and more.
Protects properties including
- Residential investment
- Rental property
- Vacant property and/or land
Umbrella Liability Insurance
Umbrella liability insurance substantially increases your coverage amounts.
It insures at a higher limit than your primary insurance coverage.
Anyone with assets to protect can benefit from umbrella liability insurance. If you are a homeowner, renter or automobile owner, you may qualify for this added level of insurance protection against major claims and lawsuits.
Umbrellas liability insurance insures retirement savings, business income, college funds and other assets that have total values exceeding the maximum liability of a homeowners or automobile policy.
Umbrella liability insurance provides:
- Bodily injury
- Property damage
- Excess personal liability
Private Client Services
Remco’s private client services helps affluent individuals and families navigate through a unique and complex set of risks.
Our risk management solutions offer you individualized options from a suite of specialty insurance plans.
Private client services is a sophisticated approach to personal risk management. We provide you with a customized insurance portfolio and risk management plan. It minimizes your loss by identifying potential exposures.
We also consider typically overlooked risks, including domestic employees, youthful drivers, unoccupied secondary homes and recreational vehicles.
Insurance coverage types available
- Global wealth
- Executive protection
- High-value real estate and investment properties
- Private aircraft, automobiles and yachts
Personal Articles, Jewelry and Fine Arts Insurance
A personal articles insurance policy covers the cost of replacing rare or expensive personal belongings. It offers valuable protection, because standard homeowners policies have a cap on the amount of personal property coverage.
Personal articles insurance provides:
- Repairs or replacement
Jewelry insurance protects the value of insured jewelry if it exceeds a homeowners or renters insurance policy’s maximum threshold of coverage. Remco Agency’s clients select from policies that contain worldwide protection for jewelry. If a ring slips off in the ocean or an earring goes missing in a crowded area, you can rest assured your precious property is covered.
- Engagement rings
- Family heirlooms
- Gold, silver, diamonds
Fine arts insurance is necessary to protect the value of your collection, because a standard homeowners insurance policy does not include this coverage. It covers the cost of repairs or replacement for most situations including breakage, theft, loss and unexpected damage, such as floods and fires.
Fine arts insurance safeguards the value of your personal art collection, including:
Recreational Vehicle Insurance
Boats, motorcycles and other recreational vehicles carry increased levels of risk.
Recreational vehicle insurance adds an additional layer of coverage to protect you in the event of an accident.
Insurance policies are customizable for different types of vehicles. In the event of injury, damages, theft or accident, recreational vehicle insurance covers:
- Motor homes
- Jet skis
Remco’s insurance brokers help you select specialized recreational vehicle insurance that provides coverage for:
- Body injury
- Towing and roadside assistance
- Emergency expenses