{"id":903,"date":"2019-09-30T00:09:20","date_gmt":"2019-09-30T00:09:20","guid":{"rendered":"http:\/\/cox.digital-55.com\/?page_id=903"},"modified":"2021-01-14T19:29:06","modified_gmt":"2021-01-14T19:29:06","slug":"personal-insurance","status":"publish","type":"page","link":"https:\/\/coxinsurance.net\/personal-insurance\/","title":{"rendered":"Personal Insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;6&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;4&#8243; back_image=&#8221;182&#8243; back_position=&#8221;center top&#8221; kburns=&#8221;yes&#8221; overlay_color=&#8221;color-jevc&#8221; overlay_alpha=&#8221;60&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;0&#8243; column_width_percent=&#8221;100&#8243; border_color=&#8221;color-xsdn&#8221; border_style=&#8221;solid&#8221; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; bottom_divider=&#8221;step_1_2&#8243; el_class=&#8221;inverted-device-order&#8221; css=&#8221;.vc_custom_1569812459038{border-bottom-width: 1px !important;}&#8221;][vc_column column_width_percent=&#8221;100&#8243; position_horizontal=&#8221;right&#8221; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;2&#8243; style=&#8221;dark&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;2\/3&#8243;][vc_custom_heading heading_semantic=&#8221;h1&#8243; text_size=&#8221;h5&#8243; text_transform=&#8221;uppercase&#8221; text_space=&#8221;fontspace-210350&#8243; text_color=&#8221;color-xsdn&#8221;]Personal Insurance[\/vc_custom_heading][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_size=&#8221;fontsize-155944&#8243; text_weight=&#8221;400&#8243; separator=&#8221;yes&#8221; sub_lead=&#8221;yes&#8221; subheading=&#8221;We have multiple policy options, with the coverage you customize to suit your life.<br \/>\nAuto, Home, Specialty Home, Recreational Vehicle, Personal Umbrella\u2019s &amp; Flood.&#8221;]Get the personal insurance you need from our experienced agents.[\/vc_custom_heading][vc_empty_space empty_h=&#8221;1&#8243;][vc_button size=&#8221;btn-lg&#8221; radius=&#8221;btn-circle&#8221; border_width=&#8221;0&#8243; css_animation=&#8221;bottom-t-top&#8221; link=&#8221;url:%2Fget-a-quote%2F|title:Get%20a%20Quote||&#8221;]Get A Quote[\/vc_button][vc_empty_space empty_h=&#8221;1&#8243;][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/3&#8243; mobile_height=&#8221;340&#8243;][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;0&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; row_name=&#8221;Auto Insurance&#8221;][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; back_image=&#8221;426&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; mobile_height=&#8221;340&#8243;][\/vc_column][vc_column column_width_use_pixel=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;5&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; column_width_pixel=&#8221;528&#8243;][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_size=&#8221;h1&#8243; separator=&#8221;yes&#8221; subheading=&#8221;What\u2019s in your garage? You might be practical when you choose cars \u2014 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&#8217;re a car collector and also have a classic muscle car or vintage sports car for weekend cruising.<\/p>\n<p>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.&#8221;]Auto Insurance[\/vc_custom_heading][vc_empty_space empty_h=&#8221;1&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; radius=&#8221;btn-circle&#8221; text_skin=&#8221;yes&#8221; border_width=&#8221;0&#8243; link=&#8221;url:%2Fget-a-quote%2F|title:Get%20a%20Quote||&#8221;]Get A Quote[\/vc_button][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;0&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; el_class=&#8221;inverted-device-order&#8221; row_name=&#8221;Home and Property Insurance&#8221;][vc_column column_width_use_pixel=&#8221;yes&#8221; position_horizontal=&#8221;right&#8221; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;5&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; column_width_pixel=&#8221;528&#8243;][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_size=&#8221;h1&#8243; separator=&#8221;yes&#8221; separator_color=&#8221;yes&#8221; sub_lead=&#8221;yes&#8221; subheading=&#8221;Was there a single feature that sold you on your home? Maybe you couldn\u2019t 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.<\/p>\n<p>Whatever you love about the place you call home, it\u2019s 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.&#8221;]Home &amp; Property Insurance[\/vc_custom_heading][vc_empty_space empty_h=&#8221;1&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; radius=&#8221;btn-circle&#8221; text_skin=&#8221;yes&#8221; border_width=&#8221;0&#8243; link=&#8221;url:%2Fget-a-quote%2F|title:Get%20a%20Quote||&#8221;]Get A Quote[\/vc_button][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; back_image=&#8221;184&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; mobile_height=&#8221;340&#8243;][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;0&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; row_name=&#8221;Specialty Home Insurance&#8221;][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; back_image=&#8221;1051&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; mobile_height=&#8221;340&#8243;][\/vc_column][vc_column column_width_use_pixel=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;5&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; column_width_pixel=&#8221;528&#8243;][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_size=&#8221;h1&#8243; separator=&#8221;yes&#8221; subheading=&#8221;Our Specialty Programs offer coverage for a variety of properties, including:&#8221;]Specialty Home Insurance[\/vc_custom_heading][vc_accordion active_tab=&#8221;0&#8243;][vc_accordion_tab title=&#8221;Seasonal or Vacation Homes&#8221; tab_id=&#8221;d21d5937-3bb0-215556789140011555679505952e009-74d91569803209786&#8243;][vc_column_text]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.[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab title=&#8221;Vacant Homes&#8221; tab_id=&#8221;6dad8f3c-7309-815556789140011555679505952e009-74d91569803209786&#8243;][vc_column_text]Having a vacant property can be exhausting, stressful, and challenging. That\u2019s why many companies shy away from insuring vacant homes, we want to make it easy for you to insure your vacant home.[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab title=&#8221;Landlord or Rental Properties&#8221; tab_id=&#8221;9346230d-a835-915556789140011555679505952e009-74d91569803209786&#8243;][vc_column_text]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.[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab title=&#8221;Older &amp; Lower-Value Homes&#8221; tab_id=&#8221;1555679162900-3-11555679505952e009-74d91569803209786&#8243;][vc_column_text]Your home&#8217;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\u2019ve created specialty policies specifically for these types of homes, and we\u2019re ready to help cover your property where others won\u2019t.[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab title=&#8221;Home Warranties&#8221; tab_id=&#8221;1572026441945-5-0&#8243;][vc_column_text]Home warranties can help protect your budget by covering the most frequently occurring breakdowns of your home\u2019s systems and appliances.[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab title=&#8221;Applicants with Credit Problems and\/or Prior Claims&#8221; tab_id=&#8221;1569803253474-4-6&#8243;][vc_column_text]If you\u2019re an applicant with credit issues or previous claims, a Cox Insurance Services agent can offer you various coverage options.[\/vc_column_text][\/vc_accordion_tab][\/vc_accordion][vc_empty_space empty_h=&#8221;1&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; radius=&#8221;btn-circle&#8221; text_skin=&#8221;yes&#8221; border_width=&#8221;0&#8243; link=&#8221;url:%2Fget-a-quote%2F|title:Get%20a%20Quote||&#8221;]Get A Quote[\/vc_button][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;0&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; el_class=&#8221;inverted-device-order&#8221; row_name=&#8221;Recreational Insurance&#8221;][vc_column column_width_use_pixel=&#8221;yes&#8221; position_horizontal=&#8221;right&#8221; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;5&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; column_width_pixel=&#8221;528&#8243;][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_size=&#8221;h1&#8243; separator=&#8221;yes&#8221; separator_color=&#8221;yes&#8221; sub_lead=&#8221;yes&#8221; subheading=&#8221;If your family enjoys the great outdoors, we\u2019ll 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 \u2014 experiencing new places but still getting to spend every night in your own bed.<\/p>\n<p>Cox Insurance Services understands your active lifestyle \u2014 and your desire to help protect the vehicles that go with it.&#8221;]Recreational Insurance[\/vc_custom_heading][vc_empty_space empty_h=&#8221;1&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; radius=&#8221;btn-circle&#8221; text_skin=&#8221;yes&#8221; border_width=&#8221;0&#8243; link=&#8221;url:%2Fget-a-quote%2F|title:Get%20a%20Quote||&#8221;]Get A Quote[\/vc_button][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; back_image=&#8221;1057&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; mobile_height=&#8221;340&#8243;][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;0&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; row_name=&#8221;Life Insurance&#8221;][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; back_image=&#8221;79&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; mobile_height=&#8221;340&#8243;][\/vc_column][vc_column column_width_use_pixel=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;5&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; column_width_pixel=&#8221;528&#8243;][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_size=&#8221;h1&#8243; separator=&#8221;yes&#8221; sub_lead=&#8221;yes&#8221; subheading=&#8221;If all goes according to plan, you\u2019ll pay off the mortgage, put your kids through college and enjoy a long retirement. But you know the unexpected could happen \u2014 do you want to help plan for your family\u2019s future if they must go on without you? Life insurance may help lighten their financial burden. By preparing in advance, you\u2019ll have the peace of mind that comes from knowing you\u2019re protecting your family or your business\u2019 financial future.<\/p>\n<p>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 \u2014 and each has unique characteristics: Term Life, Whole Life, and Universal Life.&#8221;]Life Insurance[\/vc_custom_heading][vc_empty_space empty_h=&#8221;1&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; radius=&#8221;btn-circle&#8221; text_skin=&#8221;yes&#8221; border_width=&#8221;0&#8243; link=&#8221;url:%2Fget-a-quote%2F|title:Get%20a%20Quote||&#8221;]Get A Quote[\/vc_button][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;0&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; el_class=&#8221;inverted-device-order&#8221; row_name=&#8221;Umbrella Insurance Coverage&#8221;][vc_column column_width_use_pixel=&#8221;yes&#8221; position_horizontal=&#8221;right&#8221; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;5&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; column_width_pixel=&#8221;528&#8243;][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_size=&#8221;h1&#8243; separator=&#8221;yes&#8221; separator_color=&#8221;yes&#8221; sub_lead=&#8221;yes&#8221; subheading=&#8221;You\u2019ve worked hard for your car, home, savings \u2014 your success. And personal umbrella coverage can help you protect these assets from the unexpected.<\/p>\n<p>Umbrella insurance provides additional liability coverage \u2014 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.&#8221;]Umbrella Insurance Coverage[\/vc_custom_heading][vc_empty_space empty_h=&#8221;1&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; radius=&#8221;btn-circle&#8221; text_skin=&#8221;yes&#8221; border_width=&#8221;0&#8243; link=&#8221;url:%2Fget-a-quote%2F|title:Get%20a%20Quote||&#8221;]Get A Quote[\/vc_button][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; back_image=&#8221;1054&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; mobile_height=&#8221;340&#8243;][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;0&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; row_name=&#8221;Flood Insurance&#8221;][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; back_image=&#8221;1053&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; mobile_height=&#8221;340&#8243;][\/vc_column][vc_column column_width_use_pixel=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;5&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; column_width_pixel=&#8221;528&#8243;][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_size=&#8221;h1&#8243; separator=&#8221;yes&#8221; sub_lead=&#8221;yes&#8221; subheading=&#8221;You don\u2019t have to live near a body of water to be at risk for flooding \u2014 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.&#8221;]Flood Insurance[\/vc_custom_heading][vc_accordion][vc_accordion_tab title=&#8221;Building Property Coverage&#8221; tab_id=&#8221;1569804215-1-98&#8243;][uncode_list larger=&#8221;yes&#8221; icon=&#8221;fa fa-check-square-o&#8221; icon_color=&#8221;accent&#8221;]<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Building and foundation<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Electrical and plumbing systems<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Central air conditioning equipment, furnaces, and water heaters<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Refrigerators, stoves and built-in appliances such as dishwashers<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Permanently installed carpeting over unfinished flooring<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Permanently installed paneling, wallboard, bookcases and cabinets<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Window blinds<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Detached garages, up to 10% of building property coverage<\/span><\/li>\n<\/ul>\n<p>[\/uncode_list][\/vc_accordion_tab][vc_accordion_tab title=&#8221;Content Coverage&#8221; tab_id=&#8221;1569804215-2-63&#8243;][uncode_list larger=&#8221;yes&#8221; icon=&#8221;fa fa-check-square-o&#8221; icon_color=&#8221;accent&#8221;]<\/p>\n<ul>\n<li>Personal belongings, such as clothing, furniture and electronic equipment<\/li>\n<li>Curtains<\/li>\n<li>Portable air conditioners<\/li>\n<li>Portable microwave ovens and portable dishwashers<\/li>\n<li>Carpets not permanently installed over unfinished flooring<\/li>\n<li>Washers and dryers<\/li>\n<li>Freezers and food contents<\/li>\n<li>Valuable items such as original artwork and furs, up to $2,500<\/li>\n<li>Replacement cost coverage is not available for personal property<\/li>\n<\/ul>\n<p>[\/uncode_list][\/vc_accordion_tab][vc_accordion_tab title=&#8221;Other Coverages&#8221; tab_id=&#8221;1569804397572-2-1&#8243;][uncode_list larger=&#8221;yes&#8221; icon=&#8221;fa fa-check-square-o&#8221; icon_color=&#8221;accent&#8221;]<\/p>\n<ul>\n<li>Debris removal at federal minimum wage, not subject to deductible<\/li>\n<li>Loss avoidance measures, $1,000 limit, no deductible<\/li>\n<li>Increased cost of compliance \u2014 flood-proofing, relocation, elevation and demolition, subject to limitations and qualifying criteria<\/li>\n<\/ul>\n<p>[\/uncode_list][\/vc_accordion_tab][\/vc_accordion][vc_empty_space empty_h=&#8221;1&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; radius=&#8221;btn-circle&#8221; text_skin=&#8221;yes&#8221; border_width=&#8221;0&#8243; link=&#8221;url:%2Fget-a-quote%2F|title:Get%20a%20Quote||&#8221;]Get A Quote[\/vc_button][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;6&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;4&#8243; back_image=&#8221;182&#8243; back_position=&#8221;center top&#8221; kburns=&#8221;yes&#8221; overlay_color=&#8221;color-jevc&#8221; overlay_alpha=&#8221;60&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;0&#8243; column_width_percent=&#8221;100&#8243; border_color=&#8221;color-xsdn&#8221; border_style=&#8221;solid&#8221; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-903","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Personal Insurance - Cox Insurance Services<\/title>\n<meta name=\"description\" content=\"At Cox Insurance Services in Phoenix, Arizona you get the personal insurance you need from our experienced agents. 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