Auto, Home & Personal Insurance
You may not think much about shopping for competitive insurance quotes, but that's ok. We take care of all the work for you.
Our expert representatives shop your policy and find the right solutions at the right price, so you don't have to worry about comparing insurance quotes to cover your car, home, motorcycle, or boat.
From quiet night drives to hectic commutes, you need auto coverage. Let us find the best fit for you.
Auto Policy Features:
- Rental car coverage: If your car is damaged in an accident, your policy will cover the cost of a rental vehicle until your car is repaired
- 24-Hour roadside assistance: Includes towing services if you experience an emergency on the road
- Accident forgiveness: Avoid a rate increase following the first at-fault accident on your policy
- New car replacement coverage: Newer cars will be replaced at their original value, not the depreciated value
- Gap insurance: If your vehicle is declared a total loss due to an accident or theft, gap insurance will pay for the "gap" between what you owe and what your vehicle is worth at the time of loss
- Originally equipped manufacturer (OEM) parts: Pays for factory parts from your original manufacturer, rather than generic parts
- Additional discounts: You may qualify for additional savings such as higher education discounts, vehicle safety feature discounts, or discounts when you bundle your home or renter's insurance with your auto insurance
- Youth driver discounts: Your youth driver could qualify for a discount if the following criteria are met: the covered driver is a full-time student, has good grades, has completed driver's education training, or is away at school without a car
When you're at home, you're able to relax and refresh yourself. Don't worry about the place that provides you so much peace and comfort. Our representatives will find the right coverage to help protect your house, your belongings, and any other buildings on your property.
Policy Features for Homeowners and Renters:
- Water and sewage backup: Covers expenses for cleanup crews and repairs
- Comprehensive coverage: Protects home and permanent structures, personal property, and additional living expenses
- Personal liability coverage: Covers bodily injuries and property damage sustained by others for which you are legally responsible
- Jewelry: Covers jewelry that is lost, stolen, or damaged
- Additional living expenses: Covers the cost of staying in a hotel while your home or apartment is being repaired
Additional Features Available for Homeowners:
- Replacement cost guarantee: Covers the cost of rebuilding your house, even if the cost to rebuild is more than your home's original value
- Additional discounts: You may qualify for additional savings if your home includes a central alarm system, smoke detectors, fire extinguisher, dead bolt locks, a backup generator, if you're a non-smoker, or if you bundle your homeowners and auto insurance
Additional Features Available for Renters:
- Replacement cost coverage: Covers the cost of replacing stolen or damaged items in the living area
- Additional discounts: You may qualify for additional savings if your apartment includes a central alarm system, smoke detectors, fire extinguisher, dead bolt locks, if you're a non-smoker, or if you bundle your renters and auto insurance
Whether you speed around trees on an ATV, zoom over fields on a snowmobile, or dart across water on a speedboat, you know how to have fun.
Shopping for insurance isn’t always fun, so we do all the work for you.
Watercraft Coverage Features:
- Mechanical breakdown coverage
- On-water towing
- Coverage for outboards, inboards, and in/out boards
- Boat trailer coverage
- Roadside assistance: Includes towing services when hauling a boat behind your vehicle
- Additional discounts: You may qualify for additional savings if you're a responsible driver, you've received a quote several days before your current policy ends, you're a homeowner, you have a multi-policy, you're the original owner, or if you have idle assisted steering
We also offer coverage solutions for:
- Travel trailers
- Dirt bikes
The engine roars, and scenery races past you in a blur. You truly feel alive. You love riding your motorcycle, so let us help protect it.
Motorcycle Coverage Features Available:
- 24-Hour roadside assistance
- Total loss replacement coverage
- Comprehensive/collision coverage
- Same day coverage
- Riding apparel coverage
- Custom parts coverage
- Additional discounts: You may qualify for additional savings if you have a multi-policy, you're a homeowner, have a LoJack transmitter installed, have anti-lock brakes, or you've completed a safety course
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Thank you for your interest in Pearl Insurance!