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Protect yourself on the road with customizable auto insurance coverage designed to safeguard you, your passengers, and your vehicle. From liability protection to comprehensive and collision coverage, we help you drive with confidence.
Your home is one of your most valuable investments. Our homeowners and condo insurance policies provide protection for your property, personal belongings, and liability—so you can feel secure where you live.
Enjoy the water with peace of mind. Our boat and yacht insurance coverage helps protect your vessel, equipment, and passengers from unexpected risks, whether you’re cruising locally or traveling offshore.
Your landlord’s policy covers the building—not your belongings. Renters insurance protects your personal property and helps cover liability if someone is injured in your home. Get a quote today for peace of mind.
Hit the road with confidence. Our RV and motorcycle insurance provides protection for your vehicle, your passengers, and your adventures—whether you’re taking a weekend ride or a cross-country trip.
Some assets require specialized protection. We offer tailored insurance solutions for unique risks and high-value items, ensuring you have the right coverage for your lifestyle and individual needs.
Basic Coverage:
Liability coverage includes both bodily injury and property damage liability coverage and is required in most states. Basically, if you cause an accident, hurt someone or damage someone’s property, it can pay for covered damages and to defend you if a lawsuit results.
Personal injury protection (PIP), also called no-fault insurance, is available in certain states. It pays medical expenses, and in some cases lost wages and other damages regardless of who is at fault in an accident.
Collision coverage helps pay for damage to your vehicle if your car hits another car or object, gets hit by another car or if your vehicle rolls over. This coverage is generally required if your car is financed or leased.
Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. For example, theft, vandalism, hitting a deer or other animal, storms and certain natural disasters.
Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage.
Medical payments coverage helps pay for covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault.
Additional Coverage Available:
Gap insurance – or loan/lease insurance – can help protect you if your vehicle is financed or leased. If your vehicle is totaled, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease.
Rental reimbursement, or extended transportation expenses coverage, can pay for a rental car if your car is damaged in a covered accident and your car is out of commission for more than 24 hours.
Roadside Assistance will provide towing service, as well as roadside services such as a jump start, fuel delivery, flat tire change and lockout assistance.
Progressive American Insurance Co.
GEICO
Kemper Auto
Bristol West
Mercury Insurance
Responsible Insurance
Travelers Group of Companies
National General Insurance
At ACI we shop for the best policy at the lowest premium! For more than 25 years we have been protecting individuals and their homes offering professional service and a wide range of companies and policies to fit your needs.
What can we do for you?
Professional and non-obligation revision of your current Homeowner’s Policy: We will check your current policy to make sure that reflects your particular needs and property features. We will verify that all discounts are applied and that your are comfortable with the deductibles.
Property Valuation Review: We will review the valuation of your property to make sure that your property is not over or under insured and that you are paying for coverage that you don’t need.
We will shop aggressively your policy: We will reach all available carrier and will put them to compete for your business!
Annual review of your policy: If we earn your business we will annually review with you your policy to make adjustments if necessary and will always shop your policy at renewal for a better coverage and/or premium.
Additional discounts: We will review your other personal policies free of charge such s automobile, watercraft, etc. to determine if your re getting the protection level and discounts you deserve. We want you to be well protected and to save money even if not with us!
Liability Coverage:
For bodily injury or damage to the property of others.
Physical Damage Coverage:
Provides protection in the event of a collision such as with a submerged object or another boat.
Personal Property Coverage
Protects personal property on the boat including, but not limited to, your clothing, stereo system, cameras and other personal items.
More Inclusive Basic Coverage
Protection for which other carriers may demand additional premiums such as mechanical breakdown, uninsured boater, personal property, medical payments, commercial towing, fuel spills and dinghy.
Towing and Assistance Reimbursement
o transport your boat to a repair facility when it’s inoperable and you’re stranded. Gas delivery for boats and roadside assistance are also available.
You choose between agreed value or actual cash value coverage. Agreed value provides “replacement value” on covered partial losses involving your vessel, its furniture, fixtures and electronic equipment. Actual cash value earns you a premium discount. In the event of a loss, settlement is based upon a depreciated value.
Liability Coverage protected you In the event that a claim is made against you or you are sued, your renters personal liability coverage can help to cover the associated legal costs and related damages. Most renters policies provide $100,000 (minimum) of financial protection for covered accidental bodily injury or property damage to others. Higher amounts of coverage are available.
Personal Property can provide protection for your furniture and personal possessions — at home or away from home — against losses such as fire, lightning, windstorms, hail, explosions, smoke and vandalism. A renters policy can also protect your property against many types of theft loss in your apartment or anywhere in the world.
Medical Payments coverage generally can pay up to $1,000 per person — regardless of your legal responsibility — when a covered accident on your property involves bodily injury to others. It also can provide coverage in other situations as well. Higher amounts of coverage are available.
Additional Living Expenses pays If you are forced out of your apartment by a covered loss, loss of use coverage can provide up to a percentage of the personal property coverage (also referred to as Coverage C) for necessary additional living expenses (such as hotel, meals, laundry, etc.) while your damaged apartment is being repaired. This is subject to coverage terms and limits. Higher amounts of coverage are available.
Additional Coverage to Consider:
Personal property replacement cost loss settlement provides for settlement of covered personal property losses based on replacement cost at the time of loss, with no deduction for depreciation. The coverage is subject to applicable policy limits and deductibles and special limits apply to certain items such as jewelry, watches and furs.
Valuable items plus coverage provides protection for special property such as jewelry, fine art, musical instruments and home computers for an extended variety of losses and can provide higher limits of coverage. For your convenience, no appraisal or listing of insured items is required.
Discounts Available: