Personal Insurance Homeowners Homeowners insurance provides protection for your dwelling (additions and alterations for your condominium) and personal contents of your structure from fire, lightning, theft, vandalism, and malicious mischief, burglary, and more. Auto Insurance Personal Auto Insurance provides protection for your liability should you injure someone or damage another personal property as a result of an accident. This type of policy can also provide coverage for damage to your auto as a result of fire, theft, vandalism, broken windshield and auto accidents. Boat Owners Boat Owners Insurance provides coverage for your boat against loss by collision, fir, theft and vandalism. This type of policy usually covers watercraft liability coverage, should you be liable for damaging someone else's boat or injuring someone in a collision. Personal Excess Liability Personal Excess Liability Insurance provides higher liability limits than provided under your auto or homeowners insurance policy. Limits available usually range from $1,000,000 to $5,000,000 but can be purchased up to $10,000,000 of coverage. Personal Articles Insurance Personal Articles Insurance provides coverage on specific personal items such as jewelry, furs, cameras, fine arts, antiques, musical instruments, silverware, stamps, coin collections, etc.