Personal Insurance Services

William J. Ware & Associates, Inc. has been in business for 30 years. We not only listen - we understand your needs! Our first priority is to help our customers protect their hard-earned assets by providing the right insurance coverage that is tailored to meet the needs of our customers. We are able to find the right company and product for you because we represent the best. This along with our personalized service and expertise enables us to help you protect your family, health, home, cars, and valuables.

We offer you and your family the following coverages:
¨ Automobile
¨ Boats & Personal Watercraft
¨ Flood
¨ Homeowners
¨ Life/Health/Disability
¨ Personal Umbrella
¨ Renters/Condo
¨ RVs & Motor homes
¨ Valuable Items

Automobile
An automobile insurance policy can consist of various types of coverage. Your policy premium will depend upon the types and amounts of coverage you prefer, including General Liability, Medical Payments, Collision, Comprehensive, Under-Insured Motorist (UIM) and Uninsured Motorist (UM), and other Endorsements.

Boats & Personal Watercraft
Owning boats, yachts and personal watercraft, i.e., jetskis, can expose you to potential financial loss. These losses can include theft, boat or dock collisions, injury to a swimmer or damage to your boat while being trailered. There are various protection coverages that can help reduce your exposure to different types of losses, i.e., by adding a homeowner policy to your boat or yacht insurance policies. Insurance available for boatowners can offer protection for your boat, motor, trailer and equipment, watercraft liability, medical expenses and uninsured boaters coverage. Yacht or larger pleasure boat owners can purchase a yacht policy that provides hull insurance, trailer insurance, and liability that includes protection from bodily injury and property damage liability, as well as coverage for longshoremen's or harbor workers' compensation insurance for employees.

Flood
Many homeowners are unaware that flood damage is not covered in their homeowner insurance. Flood insurance must be obtained separately. When it comes to flood insurance, FEMA's maps are important because they can show if your home sits in a 100-year flood plain. You must buy federal flood insurance in order to get a mortgage. Flood insurance is optional if you live outside a high-risk zone, or if you no longer have a mortgage. Flood insurance can reimburse you and other members of your family for the work you did, such as sandbagging your home, moving furniture and removing debris.

Homeowners
Your house will probably be the most expensive purchase you will ever make. This is why homeowner's insurance is essential to protect your investment against the possibility of a financial disaster caused by damage, theft or liability. Your home can consist of your backyard pool, garage tools, jewelry, fine art, collectibles, stamps and more. Homeowners insurance protects every part of your home giving you a greater sense of security and safety for you for you and your family.

Life / Health / Disability
Life insurance is a unique asset and a valuable addition to your overall estate because of its potentially high yield and tax-favored benefits. If you are young and single and have no one else depending on your income, then you probably don't need it. If you are a married couple without children then you probably need only a limited amount to cover expenses associated with your untimely death. However, if there are family members who depend upon your income, then life insurance will be a very important component of your financial planning needs now, as well as in the future. Do you need Disability Insurance? Most people don't realize that their most important and valuable asset is not their house or their investment portfolio. For most people who are still in their working years, the most valuable and important asset from a purely financial standpoint is their ability to generate income. As such, it goes to reason that for most people disability insurance is the most critical type of coverage.

Personal Umbrella
You don't have to be wealthy to need more protection than your existing auto and homeowners' policies provide. Extra coverage that protects assets belonging to you and your family, extra coverage is not just a luxury; it's a necessity. Personal Umbrella Liability Insurance can provide coverage for large lawsuit awards that go beyond the limit of your primary personal insurance coverages Umbrella liability overlaps your current home, auto and other personal liability. If the primary coverage runs out, you have additional coverage. Umbrella liability insurance can also cover other personal exposures, such as rental dwellings, secondary homes, boats and personal property.

Renters/Condo
Renters insurance can protect the renter against minor mishaps that can result in a loss of personal property or a lawsuit. It also provides protection of the renter's clothing, jewelry, furniture, TV, golf clubs and other personal belongings. You could still face the cost of repairing or replacing these items because of fire, theft, wind and other hazards. The Condominium owners policy covers only the insured's personal property. Condo insurance does not cover the building because this coverage is provided by the Condo association, which carries coverage on a master policy for all property owned in common by the owners of the units.

RVs & Motor Homes
Whether you are purchasing or renting a motor home, motor trailer or RV, Ware Insurance Group can help you with coverage

Valuable Items
If you are looking for extra protection for your valued possessions, additional coverage can be extended from your current homeowner policy. The companies we represent can provide all of the risk coverage you need for your furs, jewelry, cameras, sports equipment, musical instruments, fine arts, boats, ATVs and other items.