Our Coverage Options
For over 80 years, RJ Carignan & Company has assisted our personal lines clients in securing the most competitive insurance premiums and superior coverage protection on their homes, automobiles, condominiums, watercraft and other important assets. Assisting individuals and households across the country, we are committed to providing our clients with the highest quality insurance products and services that are available in today’s insurance marketplace.
Auto Insurance
Homeowner's Coverage
Boat Owners Insurance
Personal Umbrella
Auto Insurance
Personal automobile insurance helps to financially cover potential auto-related damages, loss or injuries. It protects you, your passengers, fellow drivers, pedestrians, and your car, as well as the property of others. Additional automobile insurance covers you in the event of an automobile-related lawsuit. In most states, you must have an active automobile insurance policy before you can register a vehicle.
Boat Owners Insurance
A boat owners policy can insure against many of the risks inherent in owning and operating your boat, its motor and its trailer. Some of the risks may include: sinking, fire, storms, theft, capsizing, stranding, collision and explosion. A boat owner's policy can provide watercraft liability coverage as well as physical damage coverage and permanently attached equipment.
Watercraft liability coverage provides protection for legal liability you could incur due to an accident resulting from the ownership, maintenance, or use of your boat. Medical payments coverage will pay for the reasonable and necessary medical expenses sustained by yourself and/or others while on your boat, who have suffered injury from an accident arising out of the ownership, maintenance or use of the vessel.
Other coverages to consider include: Uninsured boaters’ coverage, Towing and Assistance Coverage, and coverage for items typically excluded from the policy, such as: camera or video equipment, clothing, stereo equipment, scuba gear, etc.
Homeowners Coverage
A Homeowners insurance policy will insure against damage to your home and personal property from a multitude of events such as fire, lightning, burglary, vandalism, storms, explosions and more. Its basic purpose is to restore such items to the condition they were in before a loss occurred. In addition, most homeowner policies contain personal liability coverage which provides protection when you are held legally responsible for bodily injury or property damage to others.
Personal Umbrella
A Personal Umbrella coverage provides extra protection for when life gets expensive. This coverage is extra liability coverage on top of your existing Homeowners and Auto insurance (most typical), and kicks in once those underlying coverages are exhausted.
Personal Umbrella coverage usually begins with a $1,000,000 limit, and goes up from there.
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Personal Inland Marine Coverage
Personal Inland Marine insurance provides coverage for all your valuable stuff, even when it is away from your home. This coverage is often purchased when there are overtly expensive items such as jewelry, musical instruments, sports equipment, photography gear, etc and can often come in a package with your homeowners coverage.
Flood Insurance
Flood insurance provides coverage for just that - damage from a flood. Many people are surprised to learn that a homeowner policy, whether written on a house, condominium or apartment, does not cover damage by flood. Oftentimes, a loan company will actually require a flood policy depending on the home location.
Important factors to remember when considering this coverage
a) floods are the number one natural disaster in the United States
b) everyone lives in a flood zone
c) flood as a cause of loss is NOT included on a homeowners policy!
We've Got You Covered
Not seeing the insurance you need? Additional lines of insurance that we write at RJ Carignan include but are not limited to:
- Motorcycle
- Motorhome
- Snow mobile
- Antique auto/classic car