Our hands-on approach to Personal Insurance allows us to properly assess, along with you, all of your needs. We explain, in terms you can understand, what coverages are appropriate for your individual situation.
At Wharton, we offer a wide variety of coverages including Homeowners, Personal Automobile, Renters, Condominium, Co-Operative, Boatowners, Excess (Umbrella) Liability and Personal Article Floaters. In addition, our VIP unit stands ready to assist our clients with truly unique needs.
We also specialize in offering Automobile and Homeowners Insurance to Employer Groups, Affinity Groups and Associations. This is commonly known as Group Personal Insurance.
The following summary highlights some of the more popular products we handle. If you would like more information regarding these coverages or have any other Personal Insurance questions, please do not hesitate to contact us.
HOMEOWNERS INSURANCE - CONDOMINIUM / CO-OPERATIVE INSURANCE - RENTERS INSURANCE - AUTOMOBILE INSURANCE - PERSONAL EXCESS LIABILITY INSURANCE - VALUABLE ARTICLES INSURANCE - FLOOD INSURANCE - BOATSMAN INSURANCE - GROUP PERSONAL INSURANCE PROGRAMS - GROUP LEGAL PROGRAMS
HOMEOWNERS INSURANCE
Protects your home, personal property and personal liability.
CONDOMINIUM / CO-OPERATIVE INSURANCE
Provides coverage for your personal property and can include coverage for improvements or additions you make to your unit. Personal liability coverage is also a part of the policy.
RENTERS INSURANCE
Covers your personal property and personal liability.
AUTOMOBILE INSURANCE
Provides first and third party coverages. First party coverages include comprehensive, collision, PIP, and uninsured/underinsured motorist coverage. Third party coverage provided with the auto policy is the bodily injury and property damage liability coverage. Towing and rental reimbursement are also covered in the auto policy.
PERSONAL EXCESS LIABILITY INSURANCE
Provides liability protection above and beyond your underlying personal liability and automobile liability policies.
VALUABLE ARTICLES INSURANCE
Also known as the "floater policy" - protects your valuable possessions such as jewelry, furs and fine arts. Other collectibles such as sports memorabilia and wine collections may also be covered under a valuable article policy.
FLOOD INSURANCE
Is not covered under a homeowner's policy and must be purchased on a stand-alone basis.
BOATSMAN INSURANCE
Provides Hull and Liability coverage for your pleasure craft. The contents of your watercraft may also be insured under this policy.
GROUP PERSONAL INSURANCE PROGRAMS
Offer personal insurance coverages to employees, members of associations or affinity groups at discounted group rates. These coverages include automobile, homeowners, watercraft and personal excess insurance. In addition to lower costs, purchasers enjoy the convenience of payroll deduction or electronic funds transfer. A Group Personal Insurance program can be implemented at no cost to the sponsoring organization or employer.
GROUP LEGAL PROGRAMS
Provide prepaid legal services to enrolled employees, their spouses and dependents. Benefits of the plan include access to a network of 8,000 nationwide attorneys, unlimited telephone advice, preparation of wills, real estate transactions, debt collection defense, and much more.
