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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. Sullivan, Garrity & Donnelly 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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Homeowners insurance is a package policy. It covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to others.

A homeowners insurance policy generally includes four types of coverage:

  • Coverage for the structure of your home
  • Coverage for your personal belongings
  • Liability protection
  • Additional living expenses

Homeowners policies differ based on the level of coverage you would like, and whether you own your home, rent your home, or live in a condominium. Also, insurance companies offer a variety of pricing plans for each type of coverage.

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