Personal Insurance

The experts at CAROL Demo take your business seriously. That's why we personally handle each request for policy premium quotes. We provide policies to cover personal insurance requirements of all types, from health insurance to personal watercraft.

• Our professional agents will review the specific personal needs and offer you the best available coverage, by the best insurer, at the best price.
• We represent only financially solid companies who can offer you superior products, excellent customer service, and efficient claims service.
• We speak to you personally. Companies offering instant quotes online cannot accurately provide the information you need to determine your specific insurance needs and instant quotes cannot provide you with practical costs. Call us. We provide what you should expect.

Nothing is more important to your personal life than the health of you and your family and your property. To adequately protect your personal life, consider the following types of Personal Insurance Coverage and contact our experts to personally answer your questions.

Auto Insurance policies

Auto insurance policies have different legal requirements for coverage that vary from state-too-state. But today, basic Personal Injury and Property Damage Insurance coverage is not enough. It is essential that you consult an insurance expert to learn exactly what protection you and your vehicles need.

Home Insurance

Home insurance protects your greatest asset, your home and its contents. Homeowners Insurance covers liability issues (such as accidents) that may occur on your property, but may not include coverage for flood or wind. This is why it is crucial for you to consult an expert. We can assess your unique circumstances, and help you create a policy tailored to your needs.

Renters Insurance

Renters insurance is an important addition to your landlord's Homeowners Insurance policy. If you are a renter, your house or apartment will probably be covered against theft or disaster. However, its contents may be excluded from coverage, leaving you responsible for their protection. Our insurance professionals can answer your questions regarding your particular needs.

Condo Insurance

Condo insurance is different from a Homeowners Insurance policy. Homeowners Associations purchase insurance policies that cover common areas. However, the Homeowners Insurance policy purchased by your association may or may not cover contents content within the four walls of your unit. Our insurance professionals can tailor a policy that meets the specific requirements created by your Homeowners Association.

Motorcycle Insurance

Motorcycle insurance is necessary because motorcycles are street-legal, and present large risks to your personal property and to personal physical injury. If you own or ride a motorcycle, you must carry special Motorcycle Insurance to cover damages caused to, and by, these vehicles. Call our insurance experts to learn the best ways to protect yourself and your bike.

Boat Insurance

Boat insurance helps insure you and your personal watercraft against accidents, vandalism, and liability. Our insurance professionals offer personal watercraft policies right for every rider and make.

RV Insurance

RV insurance is similar to a policy for your home or condominium. It provides protection against fire, flood, wind, theft, and other types of damages. In addition, motor homes generally have sophisticated appliances and equipment,, which require additional insurance protection to cover replacement or repair. Our insurance professionals can meet the specific requirements of your RV.

Dwelling Fire Insurance

Dwelling fire insurance is very different than traditional homeowner's policy, because it typically covers not only fire, but collapse, explosion, hail, lightning strike, smoke, vandalism, and wind damage. Contact our experts to learn more about this important, but less well-known form of coverage.

Flood Insurance

Flood insurance is different than conventional homeowner's coverage, because a homeowners policy doesn't protect your home or belongings against water damage. Further, if you live in a flood-prone area, it's a requirement of the Federal Emergency Management Agency (FEMA) that you have flood insurance. Our insurance professionals can help you protect you against this often devastating occurrence.

Personal Umbrella Insurance

Personal umbrella insurance is additional liability insurance to help protect you against major claims and lawsuits. Umbrella insurance provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies. Umbrella insurance also provides coverage not included by other liability policies, such as false arrest. Call our insurance professionals for more information about this important form of supplemental coverage.

Health Insurance

Health insurance is a contract between an insurance provider and an individual or sponsor, such as an employer. The contract can be renewed, or last for a lifetime if private insurance. To adequately safeguard your greatest treasures, contact our experts to personally answer your questions.

Life Insurance

Life insurance safeguards your greatest treasures, your family. Many people buy life insurance to ensure that their loved ones stay financially secure after they die. As a result, income replacement is the primary reason people buy life insurance. Life insurance is also an appropriate purchase if you are interested in specific business or estate-transfer goals. Contact our experts to personally answer your questions.