Auto Home & Personal InsuranceLessLess

Auto Home & Personal InsuranceLess

Our personal insurance products provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages.

Our personal insurance products provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages.

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Auto Home and Personal

At MIG, your needs always come first. We provide the most comprehensive coverage plans possible and work with different insurance providers to fine tune a policy that fits your exact needs. We know that no two people are alike and because of that, we make sure your insurance is as unique as you are. We make sure to talk with you about your short-term and long-term objectives to help put your planning needs into perspective. Have a big family? Single with no kids? Renting a home or do you own multiple properties? Regardless of your situation, we have a coverage plan that will work for you. 

At MIG, your needs always come first. We provide the most comprehensive coverage plans possible and work with different insurance providers to fine tune a policy that fits your exact needs. We know that no two people are alike and because of that, we make sure your insurance is as unique as you are. We make sure to talk with you about your short-term and long-term objectives to help put your planning needs into perspective. Have a big family? Single with no kids? Renting a home or do you own multiple properties? Regardless of your situation, we have a coverage plan that will work for you. 

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family

MIG Provides The Following Types Of Personal Insurance Protection
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MIG Provides The Following Types Of Personal Insurance Protection

Auto InsuranceLess
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.

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.

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Auto Insurance
Homeowners Insurance
Homeowner’s InsuranceLess
Homeowner’s Insurance

If you have tangible assets, you need the protection of a homeowner’s insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowner’s 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 on your property.

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.

If you have tangible assets, you need the protection of a homeowner’s insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowner’s 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 on your property.

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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Renter’s InsuranceLess
Renter’s Insurance

If you live in a rented house or an apartment, renter's insurance provides important coverage for both you and your possessions.

In case your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.

A renter’s insurance policy from MIG can provide you with coverage for your personal items and personal liability to protect you from the unexpected.

If you live in a rented house or an apartment, renter's insurance provides important coverage for both you and your possessions.

In case your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.

A renter’s insurance policy from MIG can provide you with coverage for your personal items and personal liability to protect you from the unexpected.

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Renters Insurance
Condominium Insurance Less
Condominium Insurance 

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.

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.

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Flood InsuranceLess
Flood Insurance

Did you know that your homeowner’s insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to protect your property, such as 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, but still suggested.

Did you know that your homeowner’s insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to protect your property, such as 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, but still suggested.

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Motorcycle Insurance
Motorcycle InsuranceLess
Motorcycle Insurance

Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance for your motorcycle.

Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. At MIG, we have a variety of motorcycle policy options to meet your needs.

Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance for your motorcycle.

Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. At MIG, we have a variety of motorcycle policy options to meet your needs.

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Boat & Marine InsuranceLess
Boat & Marine Insurance

Boat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels.

Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometimes called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.

Boat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels.

Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometimes called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.

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High Net Worth CoverageLess
High Net Worth Coverage

MIG recognizes that individuals with a high net worth require coverage that goes beyond the typical insurance plan. That is why we offer concierge level service and fully customizable insurance plans to satisfy your specific needs.

Our high net worth coverage includes provisions for primary and secondary residences, private collections, identity theft, and even kidnap and ransom. When it comes to replacing the lost income of high earners, traditional insurance plans are insufficient. Stop jeopardizing your family’s financial well-being and contact us to find out how high net worth coverage can assure that everything you’ve worked for will be protected.

MIG recognizes that individuals with a high net worth require coverage that goes beyond the typical insurance plan. That is why we offer concierge level service and fully customizable insurance plans to satisfy your specific needs.

Our high net worth coverage includes provisions for primary and secondary residences, private collections, identity theft, and even kidnap and ransom. When it comes to replacing the lost income of high earners, traditional insurance plans are insufficient. Stop jeopardizing your family’s financial well-being and contact us to find out how high net worth coverage can assure that everything you’ve worked for will be protected.

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