Personal Insurance
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Personalized protection for life's journey.
Life is full of unexpected twists and turns, but with the right insurance coverage, you can navigate through it all with confidence. Our personalized approach ensures that you receive the protection that perfectly fits your unique needs and lifestyle.
We’ve crafted our insurance solutions intentionally to protect what matters most to you, so that you can embrace life’s adventures fearlessly. Whether it’s shielding your home sweet home, safeguarding your belongings, or ensuring the well-being of your loved ones—we’ve got you covered.
ATV/UTV Insurance
Gear up for your off-road escapades with ATV/UTV insurance that’s built for adventure. From rugged trails to muddy paths, we’ve got you covered against theft, damages, and liability, so you can rev up the excitement without worrying about the what-ifs.
How can this coverage help protect me?
- Medical expenses coverage—reimburses medical costs for injuries sustained in an accident involving your ATV/UTV
- Comprehensive coverage—protects against damages caused by non-collision incidents such as fire, theft, vandalism, and natural disasters
- Collision coverage—covers repair or replacement costs if your ATV/UTV collides with another vehicle or object
- Collision coverage—covers repair or replacement costs if your ATV/UTV collides with another vehicle or object
- Legal defense coverage—for legal defense costs in the event of a lawsuit filed against you
Possible policy features extend beyond the above list. Work with a representative to find the coverage that’s right for you.
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Insurance may vary by location. Please select your state of practice to get started.
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Auto Insurance
You deserve car insurance that protects you whether you’re on a cross-country road trip or running errands in town. That’s why we don’t offer just one auto insurance policy, we shop the market to ensure you get the coverage you need at a price you can afford.
Discount for New York Residents
Get over 50% off the New York State Defensive Driving online course! Plus, completion of this course earns you a 10% reduction on your liability, no-fault, and collision premiums for 3 years.
How can this coverage help protect me?
- Vehicle replacement coverage—reimbursement for the cost of replacing your vehicle if it is involved in an accident
- Original manufacturer parts—coverage for factory parts from your vehicle’s original manufacturer, ensuring high-quality repairs
- Gap Coverage—protection for the “gap” between what you owe on your vehicle and its actual value if it is declared a total loss due to an accident or theft
- Rental vehicle coverage
- 24-Hour roadside assistance
Possible policy features extend beyond the above list. Work with a representative to find the coverage that’s right for you.
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Insurance may vary by location. Please select your state of practice to get started.
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Boat Insurance
Buying a boat is a major purchase. But if you love being on the water, you know it’s worth every penny. Just make sure you protect your investment with boat insurance. Our expert representatives will shop your policy with top-rated carriers to find boat insurance that meets your needs and your budget, so you can spend less time comparing quotes and more time making memories.
How can this coverage help protect me?
- Medical expenses coverage—reimburses medical costs for injuries sustained in an accident involving your boat
- Property damage liability—covers costs of repairing or replacing another person’s boat or property damaged in an accident involving your boat
- Mechanical breakdown coverage
- On-water towing
Possible policy features extend beyond the above list. Work with a representative to find the coverage that’s right for you.
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Dental Insurance
Taking care of your pearly whites is more than just a routine—it’s a gateway to maintaining your overall health and well-being. At Pearl Insurance, we understand the importance of a healthy smile. That’s why we offer comprehensive dental insurance plans through MetLife, a trusted name in insurance for over 150 years.
From preventive check-ups to restorative treatments and everything in between, our coverage is designed to support your dental needs, ensuring you can confidently flash that winning smile. Say goodbye to dental worries and hello to oral care that puts you first.
How can this coverage help protect me?
- Variety of plan options—including PPO, DHMO, and discount plans
- Freedom to visit any dentist—choose the dentist you want, regardless of whether they are in-network
- 100% preventative care coverage—for in-network exams, cleanings, and X-rays1
- Efficient claims processing—89% of claims are processed in just three business days2
1Preventive services (Type A) are 100% covered when you visit an in-network participating dentist. Subject to frequency limitations.
2MetLife data as of year-end 2021.
Possible policy features extend beyond the above list. Work with a representative to find the coverage that’s right for you.
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Insurance may vary by location. Please select your state of practice to get started.
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Homeowners Insurance
Your home is not just a physical structure; it’s the cornerstone of your life, filled with precious memories and dreams for the future. Homeowners insurance is more than just a policy—it’s a shield for your way of life.
With something as significant as your home, it’s essential to have personalized protection that truly understands your needs. Our dedicated team of experts is here to guide you in finding the ideal coverage at the right price, ensuring that your home and cherished memories are shielded with care.
How can this coverage help protect me?
- Property protection—for your home, permanent structures, and personal property
- Water and sewage backup coverage—expenses for cleanup and repairs due to water and sewage backup
- Liability coverage—for bodily injury and property damage to others that you are legally responsible for
- Jewelry coverage—for lost, stolen, or damaged jewelry
- Additional living expenses—reimbursement for the cost of staying in a hotel while your home is being repaired
- Extended replacement cost—coverage for rebuilding your house, even if it exceeds the original value
Possible policy features extend beyond the above list. Work with a representative to find the coverage that’s right for you.
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Motorcycle Insurance
Motorcycles are more than just a mode of transportation—they represent a thrilling passion and a way of life. Whether you’re a seasoned rider or embarking on your first adventure, we’re here to provide the protection your bike deserves.
Our experienced team of insurance specialists will handle the tedious task of shopping for policies, so you can spend less time comparing quotes and more time enjoying the exhilaration of the open road.
How can this coverage help protect me?
- Non-collision damages coverage—protection for damages caused by fire, vandalism, and natural disasters
- Accident repair or replacement—coverage for repair or replacement costs if you’re involved in an accident
- 24-Hour Roadside Assistance—includes towing services for emergencies
- Total loss replacement
- Costs to replace damaged riding apparel and custom parts
Possible policy features extend beyond the above list. Work with a representative to find the coverage that’s right for you.
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Renters Insurance
A home is more than just four walls—it’s a reflection of your personality and a haven for your cherished belongings. Home is where the renters insurance is. Our dedicated team is committed to finding the perfect policy that aligns with your specific needs, so you can enjoy the freedom and flexibility of renting without worrying about unforeseen events.
With monthly costs as low as your morning latte, this coverage can help ensure you and your belongings are protected. And with our help, you’ll save yourself the hassle of comparing insurance quotes. We’ll help you find the coverage you need for a price you can afford.
How can this coverage help protect me?
- Personal belongings protection—for lost, stolen, or vandalized personal belongings, such as jewelry and electronics
- Property damage coverage—for expenses related to cleanup and repairs due to water, smoke, or fire damage
- Liability coverage—for bodily injury and property damage sustained by others for whom you are legally responsible
- Additional living expenses coverage—reimbursement for additional living expenses, including hotel costs and meals, while your rental property is being repaired
Possible policy features extend beyond the above list. Work with a representative to find the coverage that’s right for you.
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Insurance may vary by location. Please select your state of practice to get started.
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RV Insurance
Experience the freedom of the open road with RV insurance that’s as adventurous as you are. We believe that your RV journey should be met with tailored protection, regardless of whether you’re cruising in a luxurious coach or embarking on occasional camping escapades with a pop-up camper. That’s why we go beyond a one-size-fits-all approach.
Our team of insurance experts will shop the market to find the perfect policy that aligns with your unique needs and budget. Let us handle the legwork, ensuring that you’re equipped with comprehensive coverage that lets you focus on what truly matters—creating unforgettable moments and embracing the extraordinary RV lifestyle.
How can this coverage help protect me?
- Comprehensive protection—for theft, fire damage, or vandalism of your RV or its contents, even when it’s in storage
- Roadside assistance—in the event of an RV breakdown to ensure you’re back on the road as quickly as possible
- Replacement cost coverage—reimbursement for replacement costs if your RV is totaled or damaged in an accident
- Emergency expenses coverage—including the cost of food and lodging, if you’re in an accident
- Liability coverage—protection for bodily injury of yourself and others caused while driving your RV
Possible policy features extend beyond the above list. Work with a representative to find the coverage that’s right for you.
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Insurance may vary by location. Please select your state of practice to get started.
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Umbrella Insurance
Life is full of surprises, so it’s always nice to have an extra layer of protection just in case. Securing umbrella insurance is like having a friendly guardian by your side, ready to shield you from the unexpected.
When you’re juggling the demands of work, family, and everything in between, the last thing you need is an unforeseen event to disrupt your harmony. That’s where we step in, offering you a safety net that extends beyond the limits of your other personal liability policies. From accidents to liability claims that exceed your coverage—our umbrella insurance has you covered no matter what life throws your way.
How can this coverage help protect me?
- Personal liability—additional coverage for costs such as medical and funeral expenses incurred by others (due to an auto accident or a mishap at your home, for instance)
- Legal defense coverage—for lawsuits involving slander, libel, defamation of character, and other personal attacks
- Landlord liability—coverage for injuries or property damage suffered by a tenant if you’re a landlord
Possible policy features extend beyond the above list. Work with a representative to find the coverage that’s right for you.
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Insurance may vary by location. Please select your state of practice to get started.
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