United Risk - Property and Casualty Insurance

Personal Insurance

United Risk Management can help you select the right coverages to protect your family's assets.

Homeowner's and renter's insurance

Properly protecting your home and its contents is basic to your family's financial well being. Policies are available for those who own a home, coop or condo, and for those who rent.

Types of properties

Single family homes
Condos and Co-ops
Apartment rentals
Seasonal and vacation homes
Coastal properties
High value homes
Owned and Non-owned occupied dwellings, with/without primary residence coverage up to 4 families.

Basic coverages include:

Dwelling coverage
Other structures, such as a detached garage
Personal Property
Loss of Use
Personal Liability
Medical Payments
Special coverages

There are several essential coverages that are specifically not included in a basic homeowner's policy, and require a separate policy or endorsement including, but not limited to the following:

Flood and earthquake coverage must be purchased separately
Sewer backup
For co-ops and condos, additions and alterations to the structure portion of the unit
Coverage for valuables such as jewelry, silver, furs, fine arts etc. is severely limited unless covered by a separate endorsement
Many hazards associated with a home business are not covered without a special endorsement.
Personal Umbrella

Personal automobile insurance

Most people are aware that substantial coverage limits are required to protect against the large awards being handed down by juries.
What you may not know is that adequate uninsured motorist coverage is necessary to protect you in the event that the other driver does not have proper insurance coverage.
We can guide you through this and other complexities of today's auto policies, to ensure that you have the protection you need, without paying for costly coverages that are not necessary.