Industry Leading Services

Whether you own or rent, we know that your home is a major investment, both financially and emotionally. In Life anything can happen- and usually does. Unfortunately, you never know how good your insurance is until you have to make a claim. By then it may be too late if something happens to your home or property. Homes come in all styles and ages condominiums, co-ops, century-old landmarks and newly built structures. This why we at MSG Personal Lines Agency, LLC are committed to making sure we tailor an "All Risk" Homeowner's Insurance Program that specifically addresses your coverage needs that will make you whole after a claim occurs. Our coverage philosophy differs from the standard carriers that offer minimal or limited coverage for such things as, "Rebuilding costs"; Personal Property Replacement and "Loss of use coverage".

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When you buy an auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need. The following are some common coverages found in an auto policy. NOTE - Your policy may not contain all of these coverages.

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I tems of value - including jewelry, furs, silver, guns, stamps, and coins - that are limited by homeowners policies may be scheduled on a personal articles floater. There are many advantages to scheduling.

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According to information from the U.S. Coast Guard, property damage to boats has been increasing. Many states now require boats to be insured. If you have your boat on a loan or use a marina, you will probably also be required to insure your boat. If you are not required to insure your boat, it is important you still consider purchasing boat insurance.

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