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Personal Lines

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Personal lines refers to any kind of insurance that covers individuals against losses that results from death, illness, injury, or loss of property. The focus of personal lines is on protecting the financial interests of an individual or family from losses they couldn’t afford to cover on their own.

  • Residential Insurance

Insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.

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  • Life Insurance

Protection policies – designed to provide a benefit, typically a lump sum payment, in the event of a specified occurrence. We offer protection policy design as term or whole life insurance.

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Residential Insurance

Life Insurance

  • Flood Insurance

Provides coverage against property loss from flooding.

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  • Auto Insurance

Insurance for cars, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. May offer financial protection against theft of the vehicle and possibly damage. Also provides cover against keying and damage sustained by colliding with stationary objects.

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Flood Insurance

Auto Insurance

  • Umbrella Insurance

Refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered.

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  • Condo Renters Insurance

Provides some of the benefits of homeowners' insurance. It provides liability insurance and the tenant's personal property is covered against named perils such as fire, theft, and vandalism. It also pays expenses when the dwelling becomes uninhabitable.

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Umbrella Insurance

Condo Renters Insurance

  • Travel Insurance

Intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or domestically.

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Travel Insurance

Commercial Lines

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Commercial Lines

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Please call or email us if you have any questions about our services or to request a quote. We look forward to speaking with you shortly.

  • lis@topinsuredagency.com
  • (516) 472-0826
  • (917) 573-9512
  • (516) 706-4946

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