Personal Insurance
Get the personal insurance you need from our experienced agents.
We have multiple policy options, with the coverage you customize to suit your life.
Auto, Home, Specialty Home, Recreational Vehicle, Personal Umbrella’s & Flood.
Auto Insurance
What’s in your garage? You might be practical when you choose cars — a versatile hatchback or minivan is just the thing. Perhaps you prefer the rugged image of an SUV or like to reward yourself with a convertible or luxury sedan. Maybe you're a car collector and also have a classic muscle car or vintage sports car for weekend cruising.
Whatever you drive, you know you need insurance for your car and assets. We have coverage options that enable you to get the auto insurance policy you want.
Home & Property Insurance
Was there a single feature that sold you on your home? Maybe you couldn’t resist stunning city views or an open-plan kitchen with all the upgrades. Perhaps you liked its quiet cul-de-sac location. Or there was plenty of room for your classic cars in a three-car garage with full workshop.
Whatever you love about the place you call home, it’s not the only reason to choose insurance with care. Your home is also a major investment. A Cox Insurance Services Agent can help as you select the coverage you want.
Specialty Home Insurance
Our Specialty Programs offer coverage for a variety of properties, including:
To cover your seasonal or vacation home, most insurance companies also require you to insure your primary residence with them. We can provide you with coverage options for your seasonal or vacation property regardless of your primary home insurer.
Having a vacant property can be exhausting, stressful, and challenging. That’s why many companies shy away from insuring vacant homes, we want to make it easy for you to insure your vacant home.
As a landlord, you can choose a landlord or rental property package that you think is a good option for you. You can also customize your policy with extra options to suit your unique situation and help you protect your investment.
Your home’s market value might be lower than it would cost to rebuild it, if disaster were to strike. Many insurance companies hesitate to cover older or lower-valued properties, but we’ve created specialty policies specifically for these types of homes, and we’re ready to help cover your property where others won’t.
Home warranties can help protect your budget by covering the most frequently occurring breakdowns of your home’s systems and appliances.
If you’re an applicant with credit issues or previous claims, a Cox Insurance Services agent can offer you various coverage options.
Recreational Insurance
If your family enjoys the great outdoors, we’ll bet favorite activities include recreational vehicles. Maybe you spend summers waterskiing at the lake. You may enjoy exploring the backcountry on ATVs or snowmobiles. Or you might consider an RV the perfect way to travel — experiencing new places but still getting to spend every night in your own bed.
Cox Insurance Services understands your active lifestyle — and your desire to help protect the vehicles that go with it.
Life Insurance
If all goes according to plan, you’ll pay off the mortgage, put your kids through college and enjoy a long retirement. But you know the unexpected could happen — do you want to help plan for your family’s future if they must go on without you? Life insurance may help lighten their financial burden. By preparing in advance, you’ll have the peace of mind that comes from knowing you’re protecting your family or your business’ financial future.
Your Cox Insurance Services agent can show you a number of coverage options you can tailor to your priorities and budget. Cox Insurance Services offers three types of life insurance — and each has unique characteristics: Term Life, Whole Life, and Universal Life.
Umbrella Insurance Coverage
You’ve worked hard for your car, home, savings — your success. And personal umbrella coverage can help you protect these assets from the unexpected.
Umbrella insurance provides additional liability coverage — over and above the limits on your auto and other personal liability policies. This extra protection is available in $1 million increments up to $10 million. And $1 million of coverage can cost less than $1 a day.
Flood Insurance
You don’t have to live near a body of water to be at risk for flooding — it can happen anywhere it rains. Even historically dry areas have been known to flood without warning. So it may not be a matter of whether you need flood insurance, but how much and what kind. Flood insurance covers direct physical loss to your building and its contents caused by flooding.
- Building and foundation
- Electrical and plumbing systems
- Central air conditioning equipment, furnaces, and water heaters
- Refrigerators, stoves and built-in appliances such as dishwashers
- Permanently installed carpeting over unfinished flooring
- Permanently installed paneling, wallboard, bookcases and cabinets
- Window blinds
- Detached garages, up to 10% of building property coverage
- Personal belongings, such as clothing, furniture and electronic equipment
- Curtains
- Portable air conditioners
- Portable microwave ovens and portable dishwashers
- Carpets not permanently installed over unfinished flooring
- Washers and dryers
- Freezers and food contents
- Valuable items such as original artwork and furs, up to $2,500
- Replacement cost coverage is not available for personal property
- Debris removal at federal minimum wage, not subject to deductible
- Loss avoidance measures, $1,000 limit, no deductible
- Increased cost of compliance — flood-proofing, relocation, elevation and demolition, subject to limitations and qualifying criteria