Personal insurance products from New England Brokerage Corporation provide our
customers with protection for their homes, automobiles and personal possessions,
along with personal liability coverages.
How we serve you is as important as what we provide. First, we listen
to you, then we discuss your needs and answer your questions. Next, we
look at both your short-term and long-term objectives and help put your
insurance and planning needs in perspective.
New England Brokerage Corporation provides the following types of personal insurance
This coverage has two parts. The first is the liability section of the
policy. It covers your financial responsibility for injuring others and
some coverage is required by most states.
The second part 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.
Auto Insurance Quote
You may have noticed there's a big difference between collector car insurance policies and regular use policies, including cost.
Classic car insurance or collector car insurance can save you a significant amount of money and increase your coverage because traditional auto insurance carriers are geared towards insuring a larger volume of vehicles. They simply don't know how to treat your specialty or collector car.
Classic cars are usually considered antique vehicles (15 - 20 years old or older). Collector cars can also include:
- Exotic autos new and old
- Muscle cars
- Sports cars of all ages
- Rare or desirable
We understand what collector car owners want and need to protect their investment.
Condo / Co-op
Condominium insurance provides coverage for your unit where your condominium
association insurance stops. Your association typically insures the building
and other common areas. You are responsible for the interior of your unit.
Typically you need personal property and liability coverage. In addition
to coverage for your floors, walls, cabinets and fixtures that your association's
insurance probably will not cover.
Every association's insurance policy is different regarding what each
unit owner is responsible for, so it is important to review your association
policy and condominium by-laws carefully.
Condo / Co-op Insurance Quote
Flood is the number one loss in the country. Did you know that your homeowners insurance does not cover flood damage?
Insurance against flood must be obtained separately, which is the reason why NEBCO includes a flood quotation in every new homeowners policy proposal. A flood insurance
policy also reimburses you for the work that you and other family members
did to sandbag your homes, move furniture and remove debris.
The Federal Emergency Management Agency's (FEMA) maps are
important when it comes to flood insurance because if they show that your
home sits in a 100-year flood plain, you must buy federal flood insurance
in order to get a mortgage. If you live outside a high-risk zone, or if
you no longer have a mortgage, flood insurance is optional.
Flood Insurance Quote
If you have tangible assets, you need the protection of a homeowners
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.
Homeowners Insurance Quote
You don't have to be a millionaire to be sued like one. Million-dollar
judgments against individuals for negligence are still relatively rare.
However, receiving a lawsuit with a million-dollar demand is more common.
If you receive such a court summons and you have only $100,000 of coverage,
you may lose a lot of sleep.
Umbrella policies offer inexpensive "peace of mind"
for most types of negligence claims. Automobile accidents
are probably the most common source of serious claims. This policy supplements
your basic automobile liability with extra million-dollar layers of protection.
It also covers other types of catastrophic claims such as a neighbor's
child drowning in your pool or the delivery man being seriously injured
by falling over your child's toys.
Personal watercraft are
extremely invigorating and fun for water lovers of all ages; however,
they are not toys. Whether you are a first time boater or experienced
captain, it is important that you have proper coverage for these vessels.
Playtime Insurance Services has policies that are geared specifically for
your personal watercraft. Likewise, because of our expertise in this area
we also have the ability to provide commercial marine insurance for companies
that rent personal watercraft.
Personal Watercraft Insurance
As a renter, you need to protect your personal property against theft
and damage. Our renters insurance is hard to beat for convenience and
value. Plus, we'll assure you the peace of mind you need for your valuable
items and electronics.
Renters insurance can help protect you in case of a liability lawsuit
against you. This could occur in a situation where you are held responsible
- Injury to another person
- Damage to another person's property
Whether the incident occurred within your rented residence, or elsewhere.
Renters Insurance Quote
Your possessions may be more valuable than you realize. Most homeowners
policies offer limited coverage for personal articles such as jewelry, coins, fine art and other collectibles.
We can provide the additional protection you need.
A variety of property may be covered by valuable items coverage.
- Musical instruments
- Oriental rugs
Valuable Collections Insurance Quote
Yachts / Mega-Yachts & Marine Vessels
Mega-yachts, super yachts, or sailing yachts are some of the most luxurious marine vessels on the ocean today. Your yacht is an investment that should be protected with a marine insurance policy that is tailored to the needs of you and your yacht.
New England Brokerage Corporation represents top-rated insurance companies offering superior coverage for yachts and mega yachts. Weather you need world wide navigation or a policy tailored for your fine arts you will appreciate New England Brokerage Corporation's attention to detail.
Yachts / Mega-Yachts & Marine Vessels Insurance Quote