Personal Insurance

Bragg Insurance Agency's personal insurance products provide peace of mind for your home(s), automobile(s) and personal possessions. We also offer our customers personal liability coverage, should you need it.

Customer service is our top priority. We listen to you, then discuss your needs and answer any questions you may have. Finally, we look at your family's short-term and long-term plans to put your insurance needs into perspective.

Bragg Insurance Agency provides the following protection:

  • ATV Insurance

  • Auto Insurance

  • Boat & Marine Insurance

  • Collector Car Insurance

  • Condominium Insurance

  • Earthquake Insurance

  • Flood Insurance

  • High Net Worth Coverage

  • Homeowners Insurance

  • Manufactured Home Insurance

  • Motor Home / RV Insurance

  • Motorcycle Insurance

  • Personal Umbrella Insurance

  • Personal Watercraft Insurance

  • Rental Property Insurance

  • Renters Insurance

  • Snowmobile Insurance

  • Travel Insurance

  • Valuable Items Insurance

 

Auto Insurance

Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.

The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.

Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

 

Homeowners Insurance

If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is

determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.

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