Life is full of unexpected events. A car accident, house fire, severe storm, lawsuit, theft, or injury can have a significant financial impact on you and your family. At AFM Risk & Insurance Advisors, we help individuals and families protect the things that matter most with personalized guidance and customized solutions.
Personal Insurance
A real advisor, not a call center.
Provides financial protection when accidents, theft, vandalism, weather events, or other covered losses occur. A properly structured policy protects your vehicle and your financial future if you are responsible for injuries or property damage to others.
Claim scenario — You are involved in an accident and found at fault. The other driver suffers injuries and their vehicle is severely damaged. Your auto insurance helps cover bodily injury, property damage, legal expenses, and your vehicle repairs.
Your home is often your largest financial investment. Homeowners insurance protects your home, personal belongings, and financial well-being from unexpected losses, and can also provide liability protection if someone is injured on your property.
Claim scenario — A kitchen fire causes extensive damage to your home and personal belongings. Homeowners insurance helps pay for repairs, replacement of damaged property, and temporary living expenses while repairs are completed.
Many renters mistakenly believe their landlord's policy protects their belongings. In reality, a landlord's policy covers the building—not the tenant's personal property. Renters insurance protects your belongings and provides liability coverage.
Claim scenario — A neighboring apartment fire causes smoke damage throughout your unit. Renters insurance helps replace damaged furniture, electronics, clothing, and other personal belongings.
Condo owners have unique insurance needs. While the association's master policy may cover portions of the building, it often does not cover personal belongings, interior improvements, or personal liability.
Claim scenario — A pipe bursts inside your condo, damaging flooring, cabinets, and furniture. Condo insurance helps pay for repairs and replacement costs not covered by the association.
If you own rental property, standard homeowners insurance may not provide adequate protection. Landlord insurance protects rental property owners from property damage, liability claims, and loss of rental income.
Claim scenario — A severe storm damages a rental property and forces tenants to temporarily relocate. Landlord insurance may help cover repairs and lost rental income during restoration.
A serious accident or lawsuit can quickly exceed the limits of your home or auto insurance policies. Personal umbrella insurance provides an additional layer of liability protection to help safeguard your savings, investments, and future earnings.
Claim scenario — A major auto accident results in severe injuries and a lawsuit that exceeds your underlying auto policy limits. Personal umbrella insurance provides additional protection above those limits.
Flood damage is generally excluded under standard homeowners policies. Flood insurance protects your home and belongings from losses caused by rising water and flooding.
Heavy rainfall causes nearby waterways to overflow, flooding your home. Flood insurance helps cover repairs and replacement costs.
Provides additional protection for high-value items that may have limited coverage under a standard homeowners policy—including jewelry, watches, fine art, collectibles, antiques, firearms, and musical instruments.
An engagement ring is accidentally lost while traveling. Valuable articles coverage may help pay for replacement.
Protects riders from financial losses resulting from accidents, theft, vandalism, and liability claims.
A distracted driver strikes your motorcycle while it is parked. Motorcycle insurance helps cover repairs and related losses.
Protects boats, personal watercraft, and related equipment from physical damage and liability claims.
A storm damages your boat while docked at a marina. Watercraft insurance helps pay for repairs and covered damages.
Combines elements of auto, homeowners, and liability protection specifically for recreational vehicles used on the road and as living quarters.
Your RV is damaged while traveling. RV insurance helps cover repairs, liability claims, and covered personal belongings.
Collector vehicles require specialized protection that reflects their true value and limited usage. Coverage is typically based on agreed value.
A classic vehicle is damaged during transport to a car show. Collector vehicle insurance provides coverage based on the vehicle's agreed value.
Our team helps clients review existing coverage, identify gaps, and protect growing assets so the right coverage is in place before a loss—and the right advocate is in place after one.
You call us. We handle the rest—before and after a loss.
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Twenty minutes that could change how you think about your protection—for the rest of your life.