Personal Insurance Department
At William Rittenhouse Insurance Agency, we work with families and individuals to provide affordable insurance protection that will cover your personal property and liability exposures. The following is a list of PERSONAL INSURANCE LINE products and options that we offer. Please note that it is not all-inclusive. We are highlighting some of the more-commonly requested insurance coverages, available through William Rittenhouse Insurance Agency.
Automobile
Preferred & Non-standard
A type of insurance which protects the insured against losses
involving automobiles. Different coverages can be purchased
depending on the needs and wants of the insured, e.g., the Liability
coverages of Bodily Injury Liability, Property Damage Liability, and
Medical Payments, and the Physical Damage coverages of Collision and
Comprehensive
Property
Homeowners
A Property and Liability Insurance contract that provides
insurance against any of the Property and Liability perils to which
a homeowner or renter is exposed.
Tenant’s Package Policy
Coverage for an insured against legal liability for bodily
injury or property damage caused to others by negligence and arising
out of the ownership, maintenance, or use of the premises designated
in the policy and all operations necessary or incidental to those
premises. A form of Premises and Operations Liability Insurance
designed to cover premises where the public is invited. The OL&T
form has largely been replaced by the Commercial General Liability
Coverage Form.
Landlord Coverage
If you own a one- to four-family dwelling that you rent to
others, William Rittenhouse Insurance Agency
has a coverage package tailored to fit your needs.
Recreational Vehicles
Yachts and Motorboats
Insurance providing Hull coverage and Protection and
Indemnity Liability coverage on pleasure boats. It is usually
written on an all-risk basis for Hull coverage, although
named-perils forms are sometimes used.
ATV, Snowmobile, Boat, Motorcycle, Motorhome
Hitting the open road for adventure? Recreational Vehicle
(RV) Insurance from William Rittenhouse Insurance Agency
will keep things worry-free as you enjoy your motorhome, fifth
wheel, travel trailer, tent trailer, camper, ATV, snowmobile or
other off-road vehicle.
Life
Life Insurance
Individual life insurance coverages and benefits come in the
form of a death or retirement fund.
Health
Accident and Health
A form of health insurance against loss by bodily injury. A broad
term describing protection from loss due to illness or injury,
resulting in loss of life, loss of earnings, or expenses incurred.
Within the broad area of health insurance, there are several major
coverages which focus on more specific needs, for example, accident
insurance, disability income insurance, hospitalization insurance,
and sickness insurance.
Umbrella
Personal Umbrella Liability Policy
Have you ever considered the possibility of a lawsuit that
could cost you millions of dollars in damages, expenses and defense
costs? A
William Rittenhouse Insurance Agency
Liability Policy is designed to provide an additional layer of
personal liability protection over the limits set by your basic
insurance policies.
As independent agents, we strive to know which insurance companies have the best products and which policies are best for a specific client's needs. We have chosen to represent the following insurance companies, and occasionally use others to fill a particular need:
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