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Personal Lines
Inland Marine - now, there is an interesting term. We usually think of marine as waterborne so how can something on water be inland? Well, sit a spell and we will put the explanation in the simplest language. Since one would think of transporting over water as marine then transporting over land might make one think of inland marine. Personal inland marine policies are usually written to cover items which may not remain in a fixed location, require special coverage and limits, and may be unusual.
Seriously, the homeowner policy provides Special Limits of Liability such as $200 on money, coins, bank notes, etc. - $1000 on securities, deeds, personal records, etc., - $1000 on watercraft, outboard motors, etc. - $1000 on trailers not used with watercraft - $1000 for loss by theft of jewelry, watches, furs, etc. There are more items but, by now, you get the idea.
You may want to buy higher limits or you may have that "special" something you want to insure. We offer an endorsement to the homeowner policy which provides this inland marine coverage and, in certain circumstances, we may write a separate inland marine policy. There are limitations and restrictions, please contact one of our agents for details.
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