Personal Lines Products

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You've worked hard to build a successful life for you and your loved ones. You should expect your insurance carrier to work just as hard to protect that success. Montgomery Insurance's home and auto insurance products will give you the security and peace of mind you need with:

  • Homeowners Insurance,
  • Personal Auto Insurance,
  • Watercraft Insurance,
  • Personal Umbrella Insurance, and
  • Our PERSONAL PROTECTOR® Series package.

If you're interested in any of these products, please contact one of our independent insurance agents.

Homeowners Insurance
Your home is where your life is—your family, your photos, and your heirlooms. With all this to lose, you need excellent protection from a first-rate insurance carrier. Montgomery Insurance takes the basic homeowners insurance package that most companies offer and adds extra coverages—at no extra charge to you. These enhanced coverages include:

  • Personal Injury Liability Protection;
  • Broadened Tree Removal Coverage; and
  • Increased Protection against Credit Card or Fund Transfer Card Losses.

You can also increase your coverage with a specially designed endorsement. Talk to your independent insurance agent to determine which of the following would be best for you:

  • Door/Window Lock Replacement;
  • Back-up of Sewers and Drains;
  • Additional Tree Removal Coverage;
  • Extra Mortgage Expense;
  • No Depreciation for Personal Property; and
  • Increased Special Limits and other valuable coverages.

Also, as part of our Homeowners program, we provide special Identity Fraud Expense Coverage. Get this important coverage added to your homeowners policy today!

Personal Auto Insurance
Our knowledgeable insurance agents can help you design a comprehensive policy, customized to protect you from the unexpected. Because even though you may be a good driver, not everyone out there is. Montgomery Insurance takes the basic auto insurance package that most companies offer and adds extra coverages—at no extra charge to you. These enhanced coverages include:

  • Doubled Medical Payment Coverage;
  • Automatic Rental Reimbursement Coverage;
  • Supplemental Death Benefit; and
  • Increased Special Limits.

You can make your policy even more complete by adding the Ultra Plus Endorsement for a nominal charge. This will increase your limits and add additional coverages and deductible waivers.

Watercraft Insurance
You love the joy and solitude that your boat provides, which is why we created a Watercraft Program that is simple, yet customized to the needs of your boat. First, you choose your basic policy:

  • Watercraft Physical Damage Only (for when your watercraft is insured for liability coverage under your homeowners policy)
  • Preferred Watercraft Policy
  • Preferred Watercraft Policy plus the Yacht Endorsement

Next, you describe your boat to your Montgomery Insurance independent agent. They will help you choose the necessary customization based on the needs of your boat.
Finally, Montgomery Insurance will save you money on your policy if you qualify for one of the following credits and discounts:

  • U.S. Coast Guard Auxillary Course Completion
  • U.S. Power Squadron Piloting or Seamanship Course Completion
  • Built-in Carbon Dioxide Fire Extinguishing Systems
  • Vapor Detector Systems
  • Radar and/or Depth Finders
  • Sonar and/or LORAN Equipment
  • Diesel Power Engines
  • Sailboat Credit

Personal Umbrella Insurance
The more you own, the more you have to protect. In today's world, lawsuits have become more prevalent. One ill-timed lawsuit and everything you've worked for could be wiped out.
Your primary homeowners, auto, or watercraft policy provides you with basic liability protection. The coverage afforded, however, may not be enough to protect from a large lawsuit. That's why Montgomery Insurance designed an umbrella policy to help you protect what you've earned. Features of this policy include:

  • Broad Liability Coverage and High Liability Coverage Limits;
  • Defense Cost Coverage;
  • Trial Loss of Earnings Coverage;
  • Groundless Suit Protection; and
  • Worldwide Protection.

To give you first-rate protection, we designed the PERSONAL PROTECTOR® Series. If you find that you need more than one of the Montgomery Insurance personal insurance products, you can save money and increase your coverages with this series.
Just start with your homeowners policy and add any of several combinations of coverages to it. You can insure your home, auto, boat and personal umbrella, all under a single insurance program.


The descriptions of coverages listed on this website are necessarily brief and are subject to the provisions, limitations, and exclusions that can only be expressed in the policy and related endorsements. Benefits and services outlined on this Web site are provided at no additional cost unless otherwise specified. Discounts, credits, and benefits are available where state laws and regulations allow and may vary by state. Please contact your independent insurance agent for additional details.