A young Caucasian man and an Asian woman inspect a damaged car after an auto accident. The insurance agent examines the vehicle, writing a report while gathering evidence for the claim investigation a

Personal Insurance

Having safeguards for the unexpected is important for people of all backgrounds. Even if you don’t think you have valuable assets or can just pay for emergencies on your own, insurance can provide you with more stability in times of uncertainty. Personal insurance encompasses many policies that will protect individuals from major financial loss.

When life takes an unexpected turn, the last thing you want to be thinking about is how to cover your lost wages or replace your home. Tower Insurance makes sure you are covered in any situation and have a trusted professional to turn to with any questions. Learn more about what personal insurance we offer to residents in Idaho.

happy family with hatchback car at home parking

What Does Personal Insurance Cover?

The purpose of personal insurance is to cover your investments, health, and lifestyle. There are many risks in life, which could cause major losses that are stressful for individuals. Insurance will help cover you financially during a time when you can’t work or pay bills due to unexpected circumstances.

While you may need to purchase personal insurance for your home or recreational vehicles, your employer may offer health or dental insurance just for working with the company. These personal insurance offerings help to limit vulnerability to illness or emergencies.

Types Of Personal Insurance We Offer

Since different life circumstances present for different people, there are different insurance offers to cover unique needs. There are insurance offerings for those who own homes, those who have children, or individuals who own vehicles. Here are some common personal insurance offerings you can recieve through Tower Insurance.

Home Insurance

Insurance that protects your physical home and the contents inside is referred to as home insurance or homeowners insurance. This policy will cover items that become damaged by weather or theft, or items that are stolen during a burglary. The amount of coverage you will receive depends on the cost of your home.

Renters Insurance

Even if you don’t own your living space, you can still have protection over your personal belongings. Renters insurance covers losses from theft, fire, or other natural disasters. If you are renting a home or an apartment, renters insurance could replace these items or cover financial loss due to negligence or disaster. Renters insurance covers you and the items inside the space, but not damage to the apartment or home you rent.

Townhome & Condo Insurance

There are specific coverage options for townhomes and condos that will protect their specific needs. Condo insurance offers liability protection which will safeguard visitors if they are injured when visiting your home. Condos are also typically covered by a homeowner association that handles repairs or damage. Those with condo insurance will use it to repair or replace materials that the homeowners association won’t.

Townhome owners will want to get a homeowners insurance policy, but the package or cost may look a little different. Since townhouses are smaller and are connected to other homes, they will protect your personal belongings. Homeowners’ insurance policies could have specific clauses for townhomes.

Earthquake Insurance

Insurance for your home doesn’t cover land shifting or landslides. Having an extra policy for earthquake damage will ensure that you can replace home materials or your entire home after a large earthquake. Homes impacted by earthquakes may not have enough damage to meet their insurance deductibles. Earthquake insurance will cover the replacement after an unexpected disaster.

Auto Insurance

Car accidents, vandalism, or other damage from weather could be covered by auto insurance. Most states require all vehicle owners to have auto insurance to protect them from a multitude of issues. Coverage options inside auto policies could include liability, collision, and comprehensive insurance.

Recreational Vehicle Insurance

RV insurance will help protect your specialty vehicle during travel. RV insurance is similar to auto insurance and can help you cover damages from accidents. Proper RV insurance will cover medical payments if you are injured in an accident, pay other passengers’ medical bills, cover damages from other vehicles hitting your RV, and cover damages that you may have caused.

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