Insurance Is Personal

You've put time into building your success, growing your family, finding your dream home, and discovering new passions. Have you spent the same amount of time considering how to protect all of those things?

Highline Risk Solutions helps you navigate the intricacies of personal insurance to find a balanced solution for your insurance investment. We protect life's most valuable things because your personal matters matter to us.

Why Do I Need Personal Insurance?

Manage your assets and risk

Not all insurance policies are created equal. Personalizing your coverage matches your unique needs and protects your assets' vulnerability to various threats. Investing in personal insurance limits risk exposure to your personal life and your family.

Protect your family's future

The sudden loss of a spouse can put a substantial financial burden on your family. No matter what stage of life you're in, it is always smart to invest in life insurance to protect you, your family, and your legacy.

Rebuild your life to its fullest after disasters

If your house burns down, you want confidence that your insurance will cover the costs to rebuild the life you had before. Many insured individuals have gaps in their coverage and find out the hard way when they file a claim and receive far less than what they need to regain what they lost.

What Does It Cover?

Home & Auto

Family Planning

Homeowners Insurance

Homeowners insurance is one of the most commonly purchased policies, but do you know what the money you are spending is actually covering? The right homeowners insurance will protect your home or apartment, your personal property, personal liability, other structures, and additional living expenses in the event you need a temporary living space while your home undergoes repairs.

Co-op, Condominium, or Renter's Insurance

Protect yourself for Additions and Alterations or “Studs-In” coverage as well as the personal belongings inside your unit. Cover bodily injury or property damage liabilities with the co-op, condominium, or renter's insurance that suits your needs.

Automobile Insurance

Auto insurance policies can cover a range of costs, including property damage or theft of your car, legal responsibility to others for bodily injury, property damage to others, treating injuries, rehabilitation, lost wages, and funeral expenses. Did you know that auto policies either cover your car on an 'Actual Cash Value' or on an 'Agreed Value' basis? Do you know the difference?

Personal Umbrella or Excess Liability Policies

The most important policy you need in our litigious society. An umbrella policy provides personal liability coverage in addition to your homeowner’s, auto, or watercraft policies. It covers injury to others or damage to their possessions when the underlying limits of your other policies aren't enough to cover the unexpected costs of a lawsuit or accident.

When written appropriately, a personal umbrella policy provides you and your family with worldwide coverage and defense costs are 'outside' the policy limits. Do you know if your umbrella is written this way?

Jewelry, Fine Arts, and Collectibles Insurance

Homeowner's policies have limited coverage for your most valuable possessions such as jewelry, fine art, wine and spirits, and antiques. A valuable articles policy offers a broad range of protection for your most precious items, and losses are not subject to the homeowner's deductibles.

Did you know that when written appropriately a valuables policy will provide for up to 150% of the stated items replacement cost if you decide to replace the item after a covered loss? Is your policy set up this way?

Watercraft Insurance

Watercraft insurance provides coverage for boats and personal watercraft if they are damaged in an accident or stolen. It provides liability coverage if you cause bodily injury to another person or damage their property, including another boat or dock. Coverage also includes towing, wreckage removal, and fuel spill indemnification.

Primary and Excess Flood Insurance

If your home is located in a special flood hazard area? Primary Flood Insurance may be a requirement of your mortgage. If your home will be costly to rebuild, excess flood insurance is a prudent investment. Special flood hazard areas have a high chance of flooding throughout a 30-year mortgage, which is worth covering.

Life Insurance

A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death. Typically, life insurance is chosen based on the needs and goals of the owner. Term life insurance generally protects for a set period, while permanent insurance, such as whole and universal life, provides lifetime coverage.

Life Insurance Policies

  • Term Insurance
  • Traditional Whole Life Insurance
  • Universal Life Insurance
  • Indexed Universal Life Insurance
  • Guaranteed Universal Life Insurance

Long Term Care Needs

Regular health insurance doesn't cover the costs of long-term care needs. Though it's hard to imagine now, you may need extra help caring for yourself in the future and paying for long-term care needs can deplete retirement savings fast. Investing in long-term care insurance protects your regular retirement funds and provides you with coverage for nursing homes, assisted living facilities, and more.

Long-Term Disability

Disability insurance is a type of coverage that replaces a portion of your monthly income if injury or illness prevents you from working. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck.

How Do I Get It?

  1. Set up a call with one of our insurance agents.

  2. Reach out to us, and we'll find a time to get on the phone with you to get to know more about you and your insurance needs.

  3. Provide your ID and home address, then we handle the rest.

  4. We don't make you fill out lengthy questionnaires or provide a ridiculous number of documents. All we need is a chance to get to know you, a copy of your driver's license, and your home address.

  5. Hang tight while we shop quotes from multiple carriers.

  6. Our capabilities as individual agents allow us to explore all of our premium insurance carriers to find you a balanced insurance solution including optimal coverage at a reasonable price.

  7. Purchase your personalized coverage plan.

  8. We write up the documents and handle all the details for you to purchase your insurance easily. Once your coverage is set, you can confidently carry on with your life knowing you've got the best coverage to protect you and your family.

  9. File claims easily and with rapid response from our team.

  10. When incidents inevitably happen, our team will be on standby to file your claim with your carrier and quickly get you back on your feet.

Contact Us

It's Never Too Early (Or Too Late) To Invest In An Insurance Plan

Young Savers (18-35)

Making smart investments for the future is crucial to young savers. A little can turn into a lot when you invest in life insurance and cover your assets early on.

Beginning Wealth (36-50)

As you start establishing your own family and earning more, your financial obligations begin to increase as well. It is a crucial stage to invest in your family's future with life and disability insurance policies.

Growing Wealth (51-59)

When the empty nest phase of life beings and you start setting aside more considerable sums of money, your insurance investments should begin to focus on retirement and long-term care planning. Protecting yourself and your spouse from financial burdens is key.

Peak Accumulators (60-69)

While you enter the stage of life where your earnings peak, but retirement is near, it's critical to consider the retirement lifestyle you want and how you will pass your legacy on to the next generation. Invest in life insurance policies that supplement Social Security and pension earnings for surviving spouses and secure your wealth to pass on to beneficiaries.