Personal Insurance

As your assets increase, so does your risk. That's why the Russell Agency offers a wealth of Personal Insurance services focused on providing you with the protection you need and the peace of mind that comes along with it. Services include:

Homeowners Insurance Guaranteed To Protect Your Investment
The Russell Agency issues all of its homeowners policies on a Guaranteed Replacement Cost basis. In the event of a total loss, even if the actual replacement cost exceeds your policy limits, the insuring company pays the entire cost of rebuilding your home.

Policies include coverage for outbuildings, personal property anywhere in the world (on a replacement cost basis), additional cost-of-living due to a loss and personal liability. Jewelry, furs, and silverware can also be easily scheduled. Condominium owners and renters insurance policies are also available.

Automobile Insurance Driven By Experience
The Russell Agency, you can feel safe behind the wheel, knowing that your assets are fully protected. We evaluate each client’s level of exposure in order to make sure that their liability limits meet their needs. With As a part of our evaluation, we also look for any premium discounts that you may be eligible to receive, including: multi-car, safe driver, retiree credits, alarms, air bags, ABS brakes as well as others.

Watercraft Insurance For A Boating Community
Quality, economical marine coverage is vital to the shoreline life-style of the communities we serve. From a rowboat to a yacht, The Russell Agency has the insurance that is right for you. We keep pace with developments in boating technology and the accompanying options for appropriate insurance coverage. Our marine policies provide “All Risk” coverage. Various money saving credits are available.

Sheltering Your Assets Under A Personal Umbrella
In today’s legal environment, million dollar liability settlements are commonplace. While personal policies provide a certain level of liability coverage for judgments against the insured, there are times when those judgments exceed policy limits. Personal umbrella policies are designed to bridge this gap between your personal policy limits and any judgment against you in excess of those limits. Our plans provide broad coverage for resident members of the household against lawsuits resulting from bodily injury, property damage, and personal injury. Coverage amounts start at $1 million. The premiums are low and the benefits are immeasurable.

Personal Package Policies
Package policies combine your home, scheduled personal property, auto, boat, and umbrella policies into a single policy. All coverages are included on a single bill, payment schedules are flexible and the package policy offers credits that are reflected in reduced premiums. Package policies are the practical and popular way to streamline your insurance needs.