Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Home » Personal Insurance

Personal insurance you can count on.

Life happens fast, and the truth is there’s nothing as valuable as peace of mind. Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.

Our insurance advisors take time to understand your unique needs, identify and eliminate gaps in coverage that might leave you exposed and create custom plans that fit your life. From auto insurance to home insurance, we’re in the business of helping people protect what they value and have worked so hard to build.

See Personal Insurance
Start Quote Request
Which insurance solution is right for your family?

Explore how having the right insurance can protect you from the unexpected.

Umbrella

Property Damage Liability

Risk Factor

You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?

Solution

Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.

Bodily Injury Liability

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby or a little spill of coffee and your eyes off the road long enough to crash into a pedestrian, bicycle or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.

Lawsuits

Risk Factor

You invite guests over for a barbecue pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?

Solution

An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Watercraft Liability

Risk Factor

Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.

Solution

Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.

Home Insurance

Your home is one of your biggest assets, and it's important to do all that you can to protect it. We'll help you plan for the unexpected with insurance coverage that's just right for you and your family.

Interactive Graphic
Auto Insurance

Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We'll make sure you have the protection you need at a price you can afford.

Interactive Graphic
Renters Insurance

When you rent or lease, your landlord's insurance usually only protects the building itself—not your personal belongings. We'll design coverage to protect your personal property and your lifestyle while renting.

Interactive Graphic
Motorcycle Insurance

While you're on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit. We'll help you hit the road with smart, customized coverage—no matter what journeys you find yourself on.

Off-Road Vehicle Insurance

Your off-road vehicle needs protection that's different from what your auto or homeowners insurance can provide. We'll help keep you and your off-road vehicle safe and secure while you explore.

Flood Insurance

Just because you don't live in a high flood risk area, doesn't mean it'll never happen to you. We'll provide the specialized coverage you need to help protect your home from rising waters—even if you're not in a flood zone.

Rental Property Insurance

Don't be fooled, just because your tenant has renters insurance doesn't mean that you—the owner—are protected. Rental property insurance is specially designed to cover the risks faced when you rent your property to others.

Umbrella Insurance

Experiencing a major insurance claim or lawsuit could lead to personal financial loss if costs exceed coverage provided by your standard homeowners and auto policies. We'll help protect your financial future.

Interactive Graphic
Individual Life Insurance

You can't put a dollar amount on your family, but you can ensure their future is protected. We can't predict when the unexpected will happen, but we can help you prepare for it when it does.

Interactive Graphic

Varano Insurance Agency, Inc. offers comprehensive personal insurance options.

Personal Insurance Quote Request

As an independent agency, we offer multiple options at competitive prices.

  • Coverage will not be bound or changed until confirmed by a licensed agent.
  • This field is for validation purposes and should be left unchanged.