Auto/Homeowners Insurance

Call Gentzler & Smith Associates, Inc. to discuss all your Personal Lines Insurance needs.

We can provide you with the following types of Personal Lines Insurance:

Automobile Insurance

Automobile Insurance basically consists of six different types of coverages. Some may be required by law. Others are optional. They are:

  • Bodily injury liability, for injuries the policyholder causes to someone else.
  • Medical payments or Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder’s car.
  • Property damage liability, for damage the policyholder causes to someone else’s property.
  • Collision, for damage to the policyholder’s car from a collision.
  • Comprehensive, for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
  • Uninsured motorists coverage, for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

Homeowners Insurance

Homeowners Insurance policies typically cover the house, the garage and other structures on the property, as well as personal possessions inside the house such as furniture, appliances and clothing, against a wide variety of perils including windstorms, fire and theft. The extent of the perils covered depends on the type of policy. An all-risk policy offers the broadest coverage. This covers all perils except those specifically excluded in the policy.

Homeowners insurance also covers additional living expenses. Known as Loss of Use, this provision in the policy reimburses the policyholder for the extra cost of living elsewhere while the house is being restored after a disaster. The liability portion of the policy covers the homeowner for accidental injuries caused to third parties and/or their property, such as a guest slipping and falling down improperly maintained stairs. Coverage for flood and earthquake damage is excluded and must be purchased separately.

Renters Insurance

Renters Insurance is a form of insurance that covers a policyholder’s belongings against perils such as fire, theft, windstorm, hail, explosion, vandalism, riots, and others. It also provides personal liability coverage for damage the policyholder or dependents cause to third parties. It also provides additional living expenses, known as loss-of-use coverage, if a policyholder must move while his or her dwelling is repaired. It also can include coverage for property improvements. Possessions can be covered for their replacement cost or the actual cash value that includes depreciation.

Condo Insurance

If you own a condo or a townhouse, there are two things to remember when it comes to insurance. The first is that your condo association has a master insurance policy that covers the outside of the building’s structure, including the roof and common areas such as pools and sidewalks. Second is that the master policy does not insure the inside of your unit or any of your personal belongings.

You need Condo Insurance to cover additions, alterations, wall fixtures, the floor and ceiling of your unit, your personal belongings, and personal liability

Mobilehome Insurance

Mobilehome Insurance covers your mobilehome as well as your personal belongings and any unattached structures.

Motorcycle Insurance

Motorcycle Insurance covers you whether you’re out for a spin or touring cross-country on your bike. We can help you protect your investment.

Classic Auto Insurance

Classic Auto Insurance plans are available for antique & classic automobiles 25 years and older. Whether the vehicle is used for hobby and/or collector car activities or used for regular transportation, we have a plan for you.

Snowmobile Insurance

The value of good Snowmobile Insurance often doesn’t become apparent until you really need it. Whether it’s a minor fender bender or a more substantial accident, it pays to have insurance coverage you can count on.

Jetski Insurance

Jetski Insurance helps protect you against injury to others and damage to the property of others. Let us help you have peace of mind while you are out enjoying the waves on your JetSki.