Some of the most common types of personal insurance protection include:


Home & Auto
Motorcycle
Mobile Home
Classic Car

Personal Insurance Options We Offer


At Great Ridge Insurance Group, our personal insurance products provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages.

How we serve you is as important as what we provide. First, we listen to you, then we discuss your needs and answer your questions. Next, we look at both your short-term and long-term objectives and help put your insurance and planning needs in perspective.


Ready To Insure Life’s Next Adventure?

ATV Insurance

All-terrain vehicles (ATV) are becoming increasingly popular. ATVs now come in a variety of models. Insurance companies have a different set of rules for providing coverage for ATVs, depending on the vehicle type.

ATV insurance is very similar to motorcycle insurance. All-terrain vehicles are three, four or six-wheeled buggies used off-road. 4×4 insurance has the same basic coverages included in the motorcycle insurance policy, tweaked for the needs of off-road enthusiasts.

Great Ridge Insurance Group can help you get the specialized coverage you need for your specialized vehicles. We can help you protect your investment and let you focus on having fun.

Collector Car Insurance

You may have noticed there’s a big difference between classic car insurance policies and regular use policies, including cost.

Classic car insurance or collector car insurance can save you a significant amount of money and increase your coverage because traditional auto insurance carriers are geared towards insuring a larger volume of vehicles. They simply don’t know how to treat your specialty or collector car.

Classic cars are usually considered antique vehicles (15-20 years old or older). Classic cars can also include:

  • Exotic autos new and old
  • Muscle cars
  • Sports cars of all ages
  • Rare or desirable cars

We understand what classic car owners want and need to protect their investment.

Condominium Insurance

Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas.

You are responsible for the interior of your unit. Typically you need personal property and liability coverage in addition to coverage for your floors, walls, cabinets, and fixtures that your association’s insurance probably will not cover.

Every association’s insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condominium by-laws carefully.

Earthquake Insurance

Most standard homeowners, mobile homeowners, condominium, and renters insurance policies do not cover earthquake damage. Similar to flood insurance, earthquake insurance usually must be purchased separately.

Many people assume their residential insurance policy fully protects them, but if you look at a typical policy, you will see it does not cover earthquake loss. In addition, government disaster-relief programs are extremely limited—they are designed to help you get partly back on your feet, but not to replace your home and everything you lose. So if an earthquake strikes tomorrow, will you have the financial resources to pay for earthquake damage to your home and it’s contents?

Flood Insurance

Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

The Federal Emergency Management Agency’s (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.

Travel Insurance

When you travel abroad, one of the most important financial considerations is how to protect you and your family’s health. Without proper coverage, an illness or injury abroad can turn into a financial disaster.

Whether you are a corporate traveler, an international student studying abroad, a family on vacation or reunion, or an individual traveling abroad for work, pleasure, or education, don’t let your trip be ruined by an accident or unexpected medical emergency. Traditional sources of U.S. private health insurance will not meet your needs.

Geographical exclusions and provider limitations common to these policies will restrict or even eliminate the coverage available to you while you are outside the U.S. At the same time, you may not be eligible for participation in the government-sponsored plans in the country where you reside.

High Net Worth Coverage

Great Ridge Insurance Group recognizes that high net worth individuals require coverage that goes beyond the typical, off-the-shelf insurance plan. That is why we are now offering concierge level service and fully customizable insurance plans to satisfy your specific needs.

Our high net worth coverage includes provisions for primary and secondary residences, private collections, identity theft, and even kidnap and ransom. When it comes to replacing the lost income of high earners, traditional insurance plans are insufficient. Stop jeopardizing your family’s financial well-being and contact us to find out how high net worth coverage can assure that everything you’ve worked for will be protected.

Mobile (Manufactured) Home Insurance

Mobile home or manufactured home insurance not only covers your mobile home; it can also cover:

  • Detached structures on your property, such as a carport or garage
  • Your personal belongings
  • Living expenses if your home is seriously damaged by a covered loss
  • Injuries that might occur on your property (up to the limits you choose on your mobile home insurance policy).

Mobile homes, manufactured homes, and modular homes are all eligible for coverage under a mobile home insurance policy.

Motor Home / RV Insurance

As much as you expend efforts to purchase your dream motor home, it is important to select an appropriate motor home insurance policy. Legally speaking, you are required to have a certain minimum amount of coverage when you have your motor home registered. However, there are many insurance policies to ensure that your motor home obtains maximum coverage and protection.

It is important to choose a policy that incorporates the recreational value of your motor home and does not treat it as another automobile.

Whether your Motor Home / RV Insurance needs are a travel trailer, fifth wheel, camper, or Class A Motor Home Insurance, Great Ridge Insurance Group offers you a variety of motor home insurance coverages.

Motorcycle Insurance

Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance for your motorcycle.

Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. At Creswell Insurance Group, we have a variety of motorcycle policy options to meet your needs.

Personal Umbrella Insurance

You don’t have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.

Umbrella policies offer inexpensive “peace of mind” for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor’s child drowning in your pool or the delivery man being seriously injured by falling over your child’s toys.

Valuable Items Insurance

Your possessions may be more valuable than you realize. Most homeowners policies offer limited coverage for personal articles such as jewelry, cameras, golf equipment, fine art and collectibles, and computer equipment.

We can provide the additional protection you need with a comprehensive valuable items insurance policy.

A variety of property may be covered by valuable items coverage.

  • Artwork
  • Books
  • Coins
  • Firearms
  • Jewelry
  • Memorabilia
  • Musical Instruments
  • Oriental Rugs
  • Silverware
  • Stamps

Personal Watercraft Insurance

Personal watercraft, such as jet skis and wave runners, are often our customer’s first step into the boating world. Personal watercraft are extremely invigorating and fun for water lovers of all ages; however, they are not toys.

If you have several personal watercraft, you may qualify for a multi-boat discount on your insurance. Additional coverage can also be purchased for trailers and other accessories.

Whether you are a first-time boater or experienced captain, it is important that you have proper coverage for these vessels. At Great Ridge Insurance Group, we have policies that are geared specifically for your personal watercraft.

Pet Insurance

Pets bring great joy to a family, but they can also be very expensive to care for. Pet insurance gives you the peace of mind that, in the event that your pet becomes sick or injured, your expenses will be covered. As technology has improved in recent years, so has the overall quality of veterinary care. However, these improvements have resulted in higher costs and tougher decisions for pet owners.

The last thing Great Ridge Insurance Group wants is for you to have to forgo a potentially life-saving surgery for your family pet, because you cannot afford it. Don’t wait until it’s too late. Get pet insurance today.

Rental Property Insurance

If you own a rental or investment property, you should make sure that you carry adequate rental property insurance coverage. Accidents may occur and ultimately cause damage to your investment property. If you do not have the necessary insurance, you will be responsible for the full financial cost.

Owning an investment property brings with it a large degree of liability. In addition to the building itself, you may be responsible for injuries received by others while they are on your property. You could also be held responsible for damage to their belongings.

Types of Properties Include:

  • Commercial Property
  • Vacant Property & Land
  • Rental Home
  • Commercial Investment
  • Residential Investment

Renter's Insurance

If you live in a rented house or an apartment, renters insurance provides important coverage for both you and your possessions.

In case your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.

A renters insurance policy from Creswell Insurance Group can provide you with coverage for your personal items and personal liability to protect you from the unexpected.

Snowmobile Insurance

Because people use their snowmobiles in so many different ways, it can be very challenging to find good, low-cost insurance. From a classic Ski-Doo to the latest Yamaha Apex model, from touring sleds to backcountry machines, every snowmobile and every rider has a different insurance need.

At Great Ridge Insurance Group, we can insure your home and cars, and we take care of your snowmobiles, too. Affordable snowmobile insurance coverage that helps protect you, your passenger, and your snowmobile.

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