COVID-19 NOTICE: Due to the current Pandemic, we will be limiting public access to our offices.

We are still working to service your insurance needs, but please contact your broker by phone or email only.

Optional coverage*

In automobile insurance, optional coverage is a commonly used term for insurance that is not required by law, such as coverage for collision or comprehensive claims (e.g., theft).

For home insurance, optional coverage is that which is not normally included in standard home insurance policies, but which can be purchased separately, such as coverage for damage from earthquakes, furnace oil spills and sewer back-up.