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GLIGA's personal insurance products provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages.
How we serve you is as important as what we provide. First, we listen to you... we discuss your needs and answer your questions. Next, we look at both your short-term and long-term objectives and help put your insurance and planning needs in perspective.
GLIGA provides the following types of personal insurance protection:
This coverage has two parts. The first is the liability section of the
policy. It covers your financial responsibility for injuring others and
some coverage is required by most states.
Boat / Marine
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
Condo insurance provides coverage for your unit where your condominium associations 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 associations insurance probably will not cover.
Did you know that your homeowners insurance does not cover flood damage?
Insurance against flood must be separately obtained. A flood insurance
policy also reimburses you for the work that you and other family members
did to sandbag your homes, move furniture and remove debris.
you have tangible assets, you need the protection of a homeowner’s
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 at your home.
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.
Motorcycle insurance is a way of sharing the risks of driving 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. We have a variety of motorcycle policy options to meet your needs.
Motor Home / RV
As much as you expend efforts to purchase your dream motor home, it is important to select appropriate motor home insurance policy. Legally speaking, you are required to have a certain minimum amount of coverage when you have your motor home registered. However, there are many insurance policies to ensure that your motor home obtains maximum coverage and protection. It is important to choose a policy that incorporates the recreational value of your motor home and does not treat it as another automobile.
You don't have to be a millionaire to be sued like one. Million-dollar
judgments against individuals for negligence are still relatively rare.
However, receiving a lawsuit with a million-dollar demand is more common.
If you receive such a court summons and you have only $100,000 of coverage,
you may lose a lot of sleep.
Personal watercraft, such as jet skis and wave runners are often our customer's first step into the boating world. Personal watercraft are extremely invigorating and fun for water lovers of all ages; however, they are not toys. Whether you are a first time boater or experienced captain, it is important that you have proper coverage for these vessels. GLIGA has specific policies that are geared specifically for your personal watercraft. Likewise, because of our expertise in this area we also have the ability to provide commercial marine insurance for companies that rent personal watercraft.
As a renter, you need to protect your personal property against theft and damage. Our renters insurance is hard to beat for convenience and value. Plus, we'll assure you the peace of mind you need for your valuable items and electronics.
When you travel abroad, one of the most important financial considerations is how to protect you and your family's health. Without proper coverage, an illness or injury abroad can turn into a financial disaster. Whether you are a corporate traveler, an international student studying abroad, a family on vacation or reunion, or an individual traveling abroad for work, pleasure, or education, don't let your trip be ruined by an accident or unexpected medical emergency. Traditional sources of US private health insurance will not meet your needs. Geographical exclusions and provider limitations common to these policies will restrict or even eliminate the coverage available to you while you are outside the US. At the same time, you may not be eligible for participation in the government-sponsored plans in the country where you reside.
Your possessions may be more valuable than you realize. Most homeowners policies offer limited coverage for personal articles such as jewelry, cameras, golf equipment, fine art and collectibles, and computer equipment. We can provide the additional protection you need.
A variety of things may be covered by valuable items coverage. Common valuable items are:
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