Sumner & Toner Insurance: Personal Lines

Protecting your personal assets is always a primary concern for your family. At Sumner & Toner Insurance, our Sales Specialists will provide a choice of personal lines programs for your Home, Auto, Valuable Items, Boats and Umbrella policies. We will develop and customize an insurance plan to fit your individual needs and budget. Sumner & Toner has been protecting individuals and families for over 75 years!

Auto Insurance:

A personal automobile insurance policy is not the same in every household. Someone may drive a car or light truck, or maybe a RV or motorcycle and possible a high value vehicle. Some people have different property, liability and deductibles on each vehicle. Our insurance specialists will evaluate your requirements and provide an choice of insurance plans with through our reputable auto insurers.

Protect yourself and your family

Liability Coverage – typically helps protect you for damages to others if you’re at fault in a covered accident.
Medical Payments Coverage – typically helps provide payment for your reasonable and necessary medical treatment for bodily injury caused by a covered accident.
Underinsured/Uninsured Motorists Coverage – typically helps protect you for covered damage caused by drivers who don’t have auto insurance or don’t carry enough auto insurance.
Personal Injury Protection

Protect your car

Collision Coverage – typically helps pay to repair or replace your insured car after a covered accident.
Comprehensive Coverage – typically helps pay for covered damages to your insured car resulting from a peril other than a collision, such as theft, windstorm or flood, to name a few

Ways to Save!

Review coverage limits on both the Compulsory and Optional Coverage
Re-Evaluate your risk to deductibles for Collision and Comprehensive
Take advantage of multi car or low mileage discounts if available
Place you auto with your Homeowners carrier to maximize account credits
There are anti-theft credits and air bag discounts available
Avoid billing charges. Set up deductions on an Electronic Funds basis

Homeowners Insurance:

Your biggest asset may be your ability to earn an income but typically your biggest investment is your home. A comprehensive homeowners policy with one of our Insurers will provide coverage in the event your home is damaged or destroyed by a covered peril. Since the value of real estate property frequently increases over time, your financial interest in the property also may increase. An annual review with one of our specialists is advised.
Along with its investment value, home ownership carries with it a potential exposure to financial loss from unpredictable events such as: fire, windstorm damages, theft of personal property, and lawsuits from an injured person. Homeowners can protect themselves against all of these losses by purchasing homeowners insurance. Our experienced insurance professionals will analyze the exposure to your dwelling and personal property and make a personal and professional recommendation.

Features to review on your homeowners’ policy:

The replacement cost value of your home
Guaranteed replacement cost clauses for both your house and personal property
Other Structures on premises such as garages, outbuildings, swimming pools
Personal Belongings
Additional Living Expenses
Comprehensive Personal Liability
Scheduled Items – Jewels, Fine Arts, Antiques, Valuable Items
Auto-Home account credits - substantial savings!
Earthquake as an endorsement
Flood as an endorsement

Tenant or Renters Insurance
Individuals who do not own their own home may live in an apartment, condominium or house and pay rent to the owner of the dwelling. These individuals need protection for their personal property, loss of use, personal liability, and medical payments. Also, the tenant may have an interest in improvements that they had made to the rental unit.An account credit is available on a Tenants policy if it is accompanied by a Personal Massachusetts Auto policy.

Condominium Insurance
The condominium is a joint enterprise type of ownership in which there is a common ownership of certain portions of the premises. The individual also has exclusive ownership of the right to occupy a specific unit, and sometimes also individually owns certain items of physical property within the unit. The ownership deed for a condominium, usually called a master deed sets forth the exact provisions of ownership and rights of occupancy of all the unit owners.

Contact us today for more information about an Homeowners quote

Umbrella or Excess Liability Policies
No one ever expects to be faced with a million-dollar lawsuit, but it happens. A Personal Umbrella Endorsement offers you and your family additional liability protection over the basic coverage provided by your automobile, homeowners or boat policy. $1 million to $5 million limits are available.

Boats, Valuable Items and other special items!
No matter what the type of property or risk, here at Sumner & Toner, we will try to find the most comprehensive insurance policy to fit your need. Jewelry, Furs, Fine Arts, Silver and other types of high valued property can be insured separately for a specific limit. An endorsement to the basic Homeowner, Tenant and Condominium policy provides broader coverage and eliminates the deductible. Please contact one of our Specialists, at either location, and we can discuss the type of property you need to insure even if it is your favorite set of Golf Clubs, Jewelry or Figurine.

Contact us today for more information about a Personal Insurance quote