It's just not the price tag!!

We have identified a few key characteristics that distinguish distinctive homeowners and their homes:

• Homeowners have a deep desire to retain the character of their home if a loss were to occur 

• Homeowners have invested significant amounts of time and or money into their home

• Homeowners feel their home is a labor of love and are proud of their design, restoration and decorative accomplishments

• Homeowners see the value in protecting their unique asset with comprehensive insurance coverage

• Homeowners require flexibility from their insurance carrier to offer a wide variety of coverages and limits 

• Homes are constructed of superior and/or hard to find materials

• Homes have unique design features that would require highly skilled labor to reconstruct

• There is often a significant amount of antiques and other valuable items 

We all know the adage " you get what you pay for." Insurance is no different. That is why we represent Chubb & Sons, Inc. as our primary carrier for our Distinctive Home program. Chubb offers a comprehensive policy like no other in our industry and at a price that is seen by most Distinctive Homeowners as a great value. Chubb also offers many discounts and various deductible options to help you control your insurance costs.

Remember, you have a significant investment in your home that pales in comparison to an insurance premium. Also, if you are a "do it yourselfer" and have purchased a "fixer upper" you have invested an untold amount of personal time in getting your home to where you want it to be. From our experience, the premium never matters when a loss is settled properly. This product and program are designed to achieve just that.

Currently offered in New York, Connecticut, Vermont and Pennsylvania. No coverage can be bound via this website.

Privacy Policy - At Personal Coverage, Inc. we are committed to protecting your privacy rights. We acknowledge your right to keep your own financial information confidential. We are complying with both state and federal laws which require us to notify you about how we intend to treat your nonpublic personal financial information. 

The information you have provided to us to obtain appropriate insurance coverage will be used for that purpose and will be shared with third parties in order to properly underwrite your account. We will not share this information with nonaffiliated third parties for marketing purposes.