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Personal Insurance

Personal Insurance from Segner Insurance provides our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages.

How we serve you is as important as what we provide. First, we listen to you... we discuss your needs and answer your questions. Next, we look at both your short-term and long-term objectives and help put your insurance and planning needs in perspective. 

Segner Insurance provides the following types of personal insurance protection:

Personal Auto
Recreational Vehicles
Homeowners
Condo/Unit Owners 
Renters
Personal Umbrella
 

Personal Auto
This coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for bodily injury and property damage to others and other state required coverages.

The second part is coverage for damage to your auto. Other than Collision (also known as Comprehensive) coverage will pay for damage caused by fire, theft, glass breakage, falling objects, wind storm, hail, flood or vandalism. Collision coverage covers damage to your auto if it collides with another vehicle or stationary object. Optional coverages available are towing, rental reimbursement, auto loan/lease coverage and full safety glass.

Recreational Vehicles
Are you a boating enthusiast? A Motorcycle/ATV owner? Have a mobile home/travel trailer? We can write liability and physical damage for Boats, Motorcycles/ATV, Snowmobiles, Motor Homes and Travel Trailers.
 
Homeowners
The purchase of a home represents a major investment. It is only prudent to protect your home and personal property against loss or damage. A homeowners policy is written on owner occupied dwellings. Policy includes coverage for your residence, private structures, personal property, additional living costs, personal liability and medical payment to others.  You may wish to enhance your personal property protection by scheduling selected items, such as jewelry, guns, business property, etc. on your homeowners policy.

Condo/Unit Owners 
A condo/unit policy provides coverage for building items within your unit not covered by the association policy, value of building additions or alterations made by you, personal property, loss assessment, personal liability and medical pay to others.

Renters

This policy is designed for individuals who occupy an apartment or dwelling as a tenant and provides coverage for personal property, loss of use, personal liability and medical pay to others.

Personal Umbrella
Present day lifestyles have resulted in greater exposure to negligence claims. One major lawsuit could wipe out your assets overnight. To provide a safeguard for this situation, personal umbrella liability coverage is available. Personal umbrella liability coverage is designed to provide worldwide catastrophic protection in excess of primary personal liability and personal auto liability policies.