Personal Insurance

Personal Insurance

What does working with an Independent Professional Insurance Agent really mean? It means you get to talk to the same person every time you call our agency. It may be a coverage question, a billing question or a change to your policy; you will always know the person helping you. We will review your policies to make sure you understand your coverage, but more importantly, to make sure you understand how the coverage works and how it protects you in any situation.

CRISP carries a superior selection of personal coverage options. Our staff is unparalleled in experience and understanding of the right coverage for each situation. We will ensure that you understand all the options and are provided with our technical expertise to make the best decision to protect you and your family.

Our Services

CRISP is a full service company. We are capable of providing personal insurance services at a level of quality and cost effectiveness that is unparalleled. Our focus and commitment to our customer’s needs are demonstrated by the long-term relationships we have been able to build. Our fundamental approach to every customer relationship is that we need to earn your business every day, and execution of our service strategy will differentiate us from our competitors.

Fundamentals of our service strategy include:

• Risk Analysis/Insurance Placement – We can assist you in tailoring a customized insurance solution that meets your needs.
• Stewardship – We believe in joint goal setting and accountability.
• Claims – We can assist you in the entire process: reporting, management and resolution.

Our Products

Homeowners Insurance

At CRISP Insurance Advisors, we realize that your home is more than a physical structure: it is your investment, your family, your home. Insuring it properly and protecting that investment is our number one priority. We realize that every home is different and every family has varying needs. We have aligned ourselves with the top carriers in the industry to provide a tailored insurance program to fit the needs of you and your family.

Automobile Insurance

Almost every state in the US requires drivers to have car insurance before registering a vehicle, but this does not mean that purchasing auto insurance is a task that should be taken lightly. At CRISP Insurance Advisors, we will walk you thru the process to ensure that you are getting the coverage you need to protect your most important assets. Have greater protection and peace of mind knowing that you’re better prepared for the unexpected. Our Auto policies can be tailored to offer additional coverage features such as – Rental Reimbursement, Roadside Assistance, Gap Insurance, Disappearing Deductibles and more.

Personal Umbrella

For the majority of people, $500,000 in liability coverage is not nearly enough to protect your valuable assets. When liability limits are exhausted on your Home, Auto, or other underlying insurance policy, your Umbrella policy takes over and provides you with an additional layer of protection. The cost is minimal compared to the comfort of knowing you’re covered. Limits range from $1m to upwards of $10m.

Personal Watercraft, Boat & Yacht

Like any major investment, boats and yachts need the right insurance coverage too. So whether you have a boat, yacht or an antique and classic runabout, you can cast off with confidence knowing the staff of CRISP Insurance advisors is sailing right behind you. We have long standing relationships with some of the largest marine insurers in the nation including: Travelers Boat & Yacht, Progressive, Foremost, Chubb and more – to ensure that we have a market for each and every type of boating risk.

Flood Insurance

Buying flood insurance is the best thing you can do to protect your family, home, and financial security from a flood. Surprisingly, flood insurance is very affordable. It is federally subsidized so it costs far less than you would imagine. Even if you are not in a flood zone, you could be at risk for flooding. Policies start as low as $400/ year for $250,000 in Building coverage.

Personal Articles Floaters

Most people aren’t aware that within a homeowner’s policy there are special limits of coverage for many items. A standard homeowner’s policy carries coverage limitations that apply to the amount of coverage afforded for certain items as well as the perils insured against for these objects. Jewelry happens to be the one item affected most often by these limitations because it’s present is almost every household and can easily be involved in a claim. Most unendorsed homeowner’s policies cover jewelry up to the contents limit for perils described in the policy except theft or mysterious disappearance. These two events happen to be the two most likely causes for a jewelry claim. If a theft or mysterious disappearance occurs, the limit on the homeowner’s policy will rarely be enough to cover the loss. This gap can easily be closed; however, with the purchase of a Personal Articles Floater covering things like Jewelry, Fine Arts, Guns, China, Silver, Wine etc…either on a scheduled or blanket basis.

Motorcycle

Insure your bike with CRISP Insurance Advisors and receive coverage and claims service from Progressive, the leading motorcycle insurance carrier in the country. Progressive has protected bikes and riders for more than 35 years. From your quote through any claims you might have, we are available to help you. In addition to Progressive, we also write our bikes thru Foremost and American Modern.

Rental Insurance

Even if you don’t own a home, you still have a lot at stake! After all, your personal belongings, like clothes, furniture and electronics, have significant value. Renters insurance can help you protect that value without breaking the bank. So no matter where you live, you can rent with peace of mind knowing that you have a Renters Insurance policy with CRISP Insurance Advisors.

Condo Insurance

Even though your Condo Association may have coverage for your residence – there are many parts of your unit that are NOT covered. A Condo Unit owners policy is required to insure your contents and any parts of the unit that the Master policy does not. Your association could have one of three policies: a policy that insures only the primary building and common areas; a policy that insures your building and any items in your unit other than personal property; a policy that insures the building, your unit, and any fixtures or improvements you make to your unit. Knowing this is the first step in knowing the type of policy that you should purchase. The staff at CRISP Insurance Advisors will walk thru the process with you – every step of the way to ensure that you are properly insured in the event of a claim.

Collector Car Coverage

We insure a wide variety of collector cars for our clients. We have the knowledge and knowhow to insure your Muscle Car, Classic Car, Custom, or Exotic. For the true enthusiasts, we also offer “on track” liability and physical damage programs.

Wedding Protector Insurance

Wedding insurance helps make things right when something goes wrong.

You’ve always dreamed of planning the perfect wedding, but no matter how carefully you plan it, there are many things that can go wrong – things that are beyond your control. What if your reception venue goes out of business a month before the wedding, and you lose your deposit and have to find another location? Or a hurricane causes your wedding to be postponed? What if your bridal shop closes, leaving you without a gown? A wedding is an investment, and as the average cost of weddings rises, now up to $26,501, wedding insurance is needed more than ever. After all, you wouldn’t buy a new car that costs that much without insuring it against damage. For as little as $160, your wedding insurance policy can cover a variety of situations.