Personal Insurance

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Multi-Policy Discount

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When you purchase multiple policies from the same insurance provider, you can benefit.

  • Premium savings – insurance policies that combine auto, homeowner and/or umbrella coverages may include discounts.

  • Expanded coverages – insurance carriers may offer expanded coverage options when writing more than one policy.

  • Efficiency and time savings – one carrier, one billing and less to keep track of.

Contact BWO Insurance today to learn more or to get a proposal for your family’s personal insurance needs. We can provide multiple insurance quotes, with different coverage options for several top-rated car and home insurance companies.

  • Whether you are a homeowner, a condo owner or a renter, the property and your furnishings are assets that are subject to loss. Carrying insurance coverage will protect you financially should a loss occur.

    • Homeowners cover the property you live in, attached structures, and other structures such as fences, sheds, or detached garages. Liability is also covered to protect you should somebody get hurt on your property.

    • Condo insurance typically covers your property from the outside walls in, based on the bylaws of your association. Liability is also provided.

    • Renters Insurance is often required by a landlord. The building itself is not insured but your personal property is covered as well as liability should a guest be injured in your rental.

    Various versions are available for each of these options, depending on the type of dwelling insured and the scope of protection to be covered.

    Let one of our BWO Insurance agents help you find the right policy for your needs.

    Contact BWO Insurance today to learn more!

  • Basic personal auto insurance is required by most states and provides you with some financial protection in case of an accident.

    Auto insurance provides coverage for:

    • Property – such as damage to or theft of your car

    • Liability – your legal responsibility to others for bodily injury or property damage

    • Medical Payments (Or Personal Injury Protection) – Medical payments coverage helps pay for minor injuries to guests who are hurt on your property—regardless of who’s at fault. It’s designed to cover things like doctor visits, X-rays, or ambulance fees, providing peace of mind and helping prevent small mishaps from turning into big problems.

    • Uninsured Motorist coverage – If you’re hit by a driver who has little or no insurance, UM/UIM coverage helps pay for your medical bills, lost wages, and other expenses. It ensures you and your passengers are protected—even when the other driver isn’t.

    Each person has individual circumstances that should be considered when purchasing auto insurance. An experienced independent insurance agent can explain to you the various options and possible credits when developing your auto quote.

    Contact BWO Insurance today to get an individualized auto quote.

  • Personal Umbrella Insurance: Extra Protection for Life’s “What Ifs.”

    Life is full of unexpected moments—and sometimes, accidents can lead to expenses that go beyond the limits of your home, auto, or other personal insurance policies. A Personal Umbrella Policy provides an extra layer of liability protection when those limits are reached.

    Think of it as a financial safety net. If you’re found liable for an accident—like a serious car crash, a guest injury on your property, or even a defamation claim—your umbrella policy can help cover costs such as medical bills, legal fees, and damages that exceed your standard policy coverage.

    Umbrella insurance is especially important for anyone who:

    • Owns property, vehicles, or rental units

    • Has savings or other assets to protect

    • Hosts guests or events at home

    • Wants peace of mind knowing they’re protected against large, unexpected claims

    For a relatively low cost, an umbrella policy can safeguard your financial future and help you rest easy knowing you’re covered—no matter what life throws your way.

  • Insurance coverage can protect you from financial loss, in the event of a collision, theft, or accident-related lawsuit. ATV’S, UTV’s and golf carts are typically designed for off road use.

    Many people assume their homeowners insurance covers ATVs and UTVs, but coverage is often very limited. It may also depend on where the vehicle is used and its purpose.

    Some states require insurance for ATVs operated on state-owned land and your homeowner policy may not protect you if you ride off your property. Your independent insurance agent can consider your individual circumstances and use.

    Get an ATV, UTV or Golf cart insurance quote now.

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  • Dwelling Fire Insurance is designed to insure residences you own or have a financial interest in, but do not live in. Common examples are rental homes or homes that are vacant due to a transition taking place. Insurance is needed for the building but not usually the contents. Liability insurance may be needed for these properties.

    Get your insurance quote now.

  • Today working from home is commonplace. And there is a rise of people starting small businesses from their home. If you need more protection than a homeowner’s insurance policy can offer, one option that some insurance companies offer is an in-home business policy or endorsement. This type of coverage generally provides broader protection than a homeowners endorsement may offer. In addition to providing coverage for your business property, it may also provide liability coverage and reimbursement for lost income if you temporarily can’t operate your home-based business after your home is damaged during a fire or other covered loss. An in-home business policy also typically provides coverage for business materials stored in another structure, such as a shed, on the property.

    Contact your agent to help you navigate the coverages of this type of policy.

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  • If you don’t have a separate boat insurance policy, you’re probably underinsured. Auto and homeowners insurance policies aren’t made to cover boats.

    Boat insurance coverage varies based on your boat or watercraft. A typical boat insurance policy includes the following coverage:

    • Damage to your boat’s: hull, sails, equipment, furnishings, motor, and trailer

    • Liability

    • New boat replacement for new boats

    • Agreed hull value or actual cash value

    • Fuel spill liability

    • Medical payments

    • Salvage coverage and wreck removal

    • Uninsured boater protection

    • Damage to another boat

    • Damage to other property caused by your boat

    • Bodily injury/death of another person

    Optional coverages may include:

    • Multiple towing options, on and off the water

    • Disappearing deductibles

    • Coverage for your personal property

    • Coverage for your fishing equipment

    • Ice/freeze coverage

    Contact your agent to help you find the boat policy that is right for you.

  • Motorcycle Insurance is a stand-alone policy designed to provide coverage for a variety of motorcycles and related vehicles, such as trikes, mopeds, scooters, dirt bikes, and all-terrainall-terrain vehicles.

    Although motorcycles can be added to the personal auto policy coverage gaps can result. Several insurers have developed this insurance for motorcycle owners, which reduces or eliminates these gaps. Some insurers also have specialty policies for off-road cycles, such as dirt bikes.

    BWO represents several motorcycle insurance companies.

    Contact your agent to find the most competitive quote for your motorcycle.

  • Snowmobile insurance typically helps cover you and your sled in a number of ways. For instance, a snowmobile insurance policy may help pay to repair damage to your sled or prevent you from paying out of pocket if you injure another person or damage their property while riding your snowmobile.

    A snowmobile insurance policy may include:

    • Collision coverage

    • Bodily injury liability coverage

    • Property damage liability coverage

    • Comprehensive coverage

    These coverages are typically optional on a snowmobile insurance policy.

    Your BWO agent can help you tailor a policy that fits your needs.

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  • Pet Insurance can help your pet get the best veterinary care available when they need it by reducing the financial burden of unexpected medical costs due to illness or injuries. Plus, preventive wellness options could help you stay ahead of any potential issues altogether.

    Policies can cover a wide variety of medical expenses, including:

    • Accidental injuries (including to permanent teeth)

    • Euthanasia or anesthesia

    • Cremation and burial expenses

    • Ingestion of a foreign object (up to two treatments max per policy year)

    • Accidental death

    • Illnesses (e.g., cancer, influenza, and kennel cough)

    • Alternative medicine

    • Behavioral therapy

    • Hereditary and congenital conditions

    Wellness coverage is available, which includes fixed payment amounts for the following (not subject to deductible and annual maximum):

    • Wellness exams

    • Intestinal deworming

    • Routine dental cleaning

    • Flea and tick prevention

    • Heartworm tests and medication

    • Dietary food and supplements

    • Prescription medications

    Contact your BWO agent to obtain a quote for your pet.

  • A wedding insurance policy can help cover your costs if things go wrong on your big day. Given the cost of the average wedding today, it could be well worth the investment.

    It’s wise to start shopping for a wedding insurance policy as soon as you begin the planning process. Compare policies and rates from multiple companies, and be sure to read the exclusions and restrictions carefully, because policies vary in what they will and won’t cover.

    Your BWO Insurance agent can simplify this process for you.

  • This type of transportation is becoming popular. Electric bike insurance protects your bike against losses like theft, damage and accidents. Many people think their home or auto policy will cover their electric bike. Most policies will exclude coverage or it will be very limited.

    Contact our BWO Insurance Agent to obtain a quote for your electric bike.

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  • Every classic car is unique, and so are its insurance needs—that’s why standard auto insurance may not provide the protection your prized vehicle deserves. Our agency recommends specialized classic car insurance that covers the stated value of your collectible car or truck, ensuring it’s properly safeguarded while you enjoy driving it.

    Unlike standard policies, classic car insurers offer tailored coverages designed specifically for collectors. Many even provide in-house parts specialists to help source LKQ, OEM, or NOS replacement parts. When choosing a policy, it’s essential to ask about the coverage that best suits YOUR needs—whether that’s spare parts protection or basic coverage against physical damage.

    Let us help you find the right policy. Get a customized quote today.

  • Farmer and part time rancher protection is available in one package. Plans include personal assets, business liability insurance as well legal assistance with both farming or ranching pursuits to protect you from any accidents on your property no matter how big they may be! To get started all that’s required is some simple information such as supplying us contact info through our quote request form HERE.

  • Flood insurance is a must-have for any property located in the designated flood plain, but it’s also available to homeowners who do not live near rivers or other bodies of water that are prone to flooding. One of our experts would be happy to help you find out if this coverage option makes sense based on your needs!

    Get a customized quote today.

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