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Personal Insurance

Personal insurance includes products designed primarily for individuals or families such as automobile, homeowners, watercraft, fine arts, and umbrella liability. SG&D has special expertise in:

As an independent agent, we represent numerous personal insurance companies offering a variety of coverage and price options. Equally important, we listen. We take the time to understand your individual and family needs. We help you find the coverage you need at a price you can afford.


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If you own a car, auto insurance is not just an option—it is a legal necessity. And you wouldn't want it any other way. If you are involved in an accident or have your car stolen, owning the right kind of auto insurance can help ease a difficult situation.

Auto insurance is a contract between you and the insurance company. As long as you pay your premium, the insurance company agrees to provide you and others with the benefits to which you are entitled based on the coverage definitions and limits of your policy.

On April 1, 2008, Massachusetts entered a new era in auto insurance. Insurance companies can now file independent pricing plans with the Massachusetts Department of Insurance. As an insurance buyer, you are faced with the task of making coverage decisions, and finding the most competitive price. For additional auto insurance information from the Massachusetts Division of Insurance, click here.

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