personal insurance

At ACI we shop for the best policy at the lowest premium! For more than 20 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 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.