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Personal Lines

The right coverage, at the best price, perfectly tailored to your needs.

Your need for protection doesn’t end when you leave the jobsite or office. That’s why Lucky Dog Insurance offers premium personal lines products to ensure our clients have the right coverage they need, no matter what they face. And even if you’re not a business owner, all of our policies come with the same honest and upfront service our customers expect when buying from Lucky Dog.

Key coverages to protect your home:

Home

Homeowner and dwelling fire policies can provide coverage for tangible assets at specific locations including primary dwelling and contents, secondary and vacation homes, and residential investment properties including duplexes, condos, and townhomes. Often liability is included with these policies and can be increased by the addition of a personal umbrella.

Auto

Covers damage sustained to personally owned vehicles (comprehensive and collision) as well as bodily injury and property damage they cause to others (auto liability). Personal auto policies aren’t just for the non-company cars in your driveway – a well written personal auto policy can cover everything from motorcycles to custom golf carts to RV’s to Grandpa’s inherited classic roadster.

Flood

Covers water damage to buildings and contents caused by flooding, an exposure not regularly covered by standard homeowners or property policies. This can include damage from heavy or prolonged rain, rapidly accumulating surface water, and storm surges. Recent increases in severe weather have helped emphasize the need for flood insurance not just for coastal properties but for those inland as well. We offer a variety of both National Flood Insurance Program (NFIP) and private market solutions for both commercial and residential properties.

Liability & Umbrella

Businessowners and high-earners are often profiled as targets for lawsuits – quality liability coverage bolstered by adequate umbrella limits can help match your exposure and protect you personally.

Personal Articles

Jewelry, coins, fine arts, furs, firearms, musical instruments, even fine wines & bourbons – if it’s worth collecting, it’s worth protecting. And too often a homeowners policy alone isn’t enough to cover your heirlooms property. Establishing then regularly reviewing and updating quality personal articles coverage can help ensure all of your assets are protected correctly.

Life & Disability

For policies both in and outside business, and on any member of the family needed. We can help with a variety of permanent and term life policies as well as disability options for nearly all occupations.