Personal Insurance

Every person’s situation is unique, so our insurance advisors truly take time to figure out each person’s circumstances to assist in identifying and minimizing gaps in coverage.

We deliver policies that fit your lifestyle andneeds. From auto insurance to home insurance, we’re in the business of helping people protect what they value and have worked so hard to build.

Home Insurance

Homeowners insurance provides financial protection against disasters for your home, its contents, and other valuable possessions. Additional coverage options can customize your policy to fit your needs.

Putting it all in context

The purpose of homeowners insurance is to cover the cost of restoring your home and possessions after a covered loss to the same condition they were in before the loss occurred. There are several different types of homeowners insurance policies that are available and not all coverage types are the same or are available in all states.
You should speak directly with your agent about your specific coverage needs and the options that are available to you.

A homeowner's policy can cover:

  • Damages to your home's physical structure
  • Damages to other structures like garages or sheds
  • Your personal belongings, whether they're in your home or elsewhere
  • Temporary living expenses in the case your house becomes uninhabitable due to a covered loss
  • Your personal liability in the event someone is injured or their property is damaged

You can also select policy enhancements and add-ons such as valuable items coverage, replacement cost coverage for your belongings, extra coverage for your belongings for full replacement costs regardless of depreciation, additional home replacement building costs.

Choosing Your Home Deductibles

The deductible on your homeowners policy applies to the property portion of the policy. A deductible is the amount you would have to pay out of your own pocket before the insurance coverage takes over. Typically, increasing your deductible reduces the cost of your homeowners policy.

The amount you choose for your insurance deductible depends on how much you are prepared to pay if a covered accident occurs to your home. When choosing a deductible, keep your budget in mind to minimize any impact to your current lifestyle.

Speak directly with your agent about specific deductible options available to you.

Auto Insurance

Whatever you drive, you have a lot riding on those wheels. It'syour family and your peace of mind. Choosing the right auto insurance can help protect you from the risks associated with the road.  Auto insurance includes four basic coverage categories designed to protect you from financial loss if you have anaccident:

  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Uninsured / Underinsured Motorist
  • Medical coverage pays for the cost of treating injuries, rehabilitationand sometimes lost wages and funeral expenses.
  • Property coverage pays for damage to or theft of your car.

Liability coverage may include:

This coverage helps protect you in an auto accident from the damages done to the other driver's property, including bodily injury.

Uninsured Motorist Coverage covers:

Under insured Motorists Coverage helps when the other driver is found legally responsible for an accident but has insufficient car insurance coverage to cover the expenses for injuries to you, your family members or passengers.

Medical Payment Coverage

The Medical Payments portion of an auto insurance policy covers you,your family members and any other passengers in your car for any necessary medical and dental services due to bodily injury caused by an auto accident.


Typical scenarios where Comprehensive coverage applies include: breakage of glass, falling objects, fire, theft, windstorm, hail, water, flood, malicious mischief, vandalism, or impact with an animal.


Collision coverage pays for damage to your vehicle caused by any accidental impact with another vehicle or object.

Renters Insurance

Even ifyou don't own a home, you still have a lot at stake. After all, your personal belongings, like clothes, furnitureand electronics, have significantvalue. Renters insurance can help you protect that value without breaking the bank. So no matter where you live, you can rent with peace of mind.

A Renters policy can cover:

  • Damages to furniture, clothing and other personal items
  • Your personal belongings, whether they're in your home or elsewhere
  • Personal liability for another's injury or their property, if damaged
  • Loss of Use temporary housing if you are forced out of your apartment due to a loss

You can also select policy enhancements and add-ons such as valuable items coverage for your belongings for full replacement costs regardless of depreciation.

Savings for home security and more

Along with our competitive rates, you can get an array of money-saving discounts based on factors like your claim history and your home's security features, including smoke detectors, dead bolts, fire extinguishers and alarm systems.

Plus, when you buy other policies with the same insurance company, like auto insurance, umbrella insurance or boat insurance, you could save on your Renters Insurance

Umbrella Insurance

Umbrella insurance isn't just for the rich and famous. Whether it's a serious auto accident involving pricey medical bills or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners or boat policies. And an expensive judgment is the last thing you want to worry about.

Personal umbrella insurance can provide:

  • Extra liability coverage which can help protect assets like your home, auto, boat, wages, and investments such as your retirement
  • Coverage for claims like libel, slander, defamation of character andinvasion of privacy
  • Helps cover defense costs, attorney fees and other charges associated with lawsuits     Protection for the actions of covered family members over and above your auto and homeowners’ policies.
  • Extra protection if a covered driver causes an accident and was liable for injury to others or property damage.
  • Covers family members, worldwide, for actions that may cause injury to others or property damage.

An umbrella policy is a valuable addition to any auto, homeowners or other policy for extended personal liability protection.

Umbrella insurance is much more affordable than you may think. And in today's world, anyone can get hit with a lawsuit. That's why it's morei mportant than ever to consider an added layer of protection for your assets-and your peace of mind.

You could also save on your Umbrella Insurance when you buy other insurance policies, like homeowners insurance, condo insurance, renters insurance and auto insurance.

Condo Insurance

When you own a condominium, you are responsible for what'sinside your condo not your condo association. Having a personal condo insurance policy is an important protection for your investment.

Condo associations have master policies that cover the association property, common areas and physical structure of your building. The master policy typically will not cover the interior structure of your condo or your legal responsibility to others. Condo associations may also have the right to levy a “loss assessment” on unit owners should there be a claim against themaster policy.

That's where condo insurance comes in.

As a condo owner, you have unique requirements for protecting your property, because your building and your individual unit have separate needs. While your condo association may have an insurance policy, only condo insurance covers your personal property and personal liability.

A Condo policy can cover:

  • Damage to your furniture, clothing, appliances and other personal items
  • Your personal belongings, whether they're in your home or elsewhere
  • Common loss assessments made by the condo association for all unit owners
  • Your personal liability in the event someone is injured or their property is damaged

You can also select policy enhancements and add-ons such as valuable items coverage for your belongings for full replacement costs regardless of depreciation.

Savings for home security and more

Along with our competitive rates, you can get an array of money-saving discounts based on factors like your claim history and your condo's security features, such as smoke detectors, dead bolts, fire extinguishers and alarm systems.

You can also save on your Condo insurance when you buy other insurance policies with the same insurance company, like auto, umbrella or boat insurance.

Landlord Insurance

If you own a home or apartment and are renting it out, you have special insurance coverage needs that standard home and condo insurance will not provide.  The coverage you need is found in a landlord insurance policy. 

A landlord policy provides the following

  • Property Insurance - covers your building or condo
  • Liability Insurance – increased limits to cover bodily injury, property damage or personal     and advertising injury.
  • Business personal property – although your rental property may be unfurnished, this     provides coverage for kitchen appliances and other property belonging to you.
  • Rental income protection – if your tenant must vacate the property due to a covered loss, your policy wcan cover the lost rents during repairs.

Your agent can provide more information on the coverages andoptional endorsements available to you

Motorcycle Insurance

We know how important it isto choose the right motorcycle insurance. There are many types of bikesand ATVs, including Cruisers, Limited Production Cruisers, Street Sports, High Performance, Touring, Sport Touring, Mopeds, Scooters, and Trikes. Be sure you get the motorcycle insurance coverage you need.

Bodily Injury & Property Damage Liability

Covers you if you're at fault for an accident that injures another person or damages someone's property, up to the limits you select.

Comprehensive & Collision

This motorcycle insurance coverage pays to repair or replace your motorcycle if it's stolen or damaged in an accident, regardless of who isat fault.

Uninsured/Underinsured Motorist (UM/UIM)

Covers your injuries and damages when the person at fault for anaccident doesn't have insurance or doesn't have enough insurance.

Medical Payments

Covers the cost of necessary medical care you receive as the result of a motorcycle accident and can be used regardless of who is at fault. In some states, MedPay only applies after other medical insurance is exhausted.

Boat Insurance

You like to boat. You have friends who like to boat. And you’d probably agree, if we were sitting on your boat right about now, that boating is an adventure. So no matter whether you’re a power boater or sail boater, you want to make sure you’re covered for anything and everything. (Remember The Skipper and Gilligan? They thought they were going out for a 3-hour tour.)

Like any major investment, boats and yachts need the right insurance coverage. So whether you have a boat, yacht or an antique and classic runabout; with the right coverage you can cast off with confidence.

Boat and yacht policies canprovide coverage for:

  • Physical damage caused by a collision with a submerged object or another vessel
  • Liability for bodily injury or damage to the property of others
  • Damage to personal property on the boat
  • Gas delivery, towing and assistance if your boat gets stranded

Insurance coverage is not only available for boats under 26feet; coverage is also available for yachts 26 feet or longer. Programs are also available for antique and classic runabout boats.

RV Insurance

RV insurance protects your investment from top to bottom. Thetypes of RV insurance include:  Vacation Liability, Full Timer's Package, Emergency Expense and more. Your RV insurance policy can also protect your traveling companions and your valuables when you're on atrip.  RV insurance covers several kinds of vehicles, such as motorhomes—including Classes A, B, and C; motor coaches; camper vans, travel trailers,including campers, pop-ups, fifth wheels, and toy haulers.  If you’researching for motor home insurance, travel trailers, camper insurance, camper van insurance, then an RV insurance policy is what youneed.

Vacation Liability

Up to $10,000 of Vacation Liability coverage is automatically included with Comprehensive and Collision coverage.  Vacation Liability pays up to the specified limits for Bodily Injury and Property Damage for which you are legally responsible as a result of an accident that occurs while the RVis used as a temporary vacation residence.  Limits up to $500,000 CSL are available for Vacation Liability coverage.  This coverage is only available for pleasure users.

Full Timer's Package

Provides coverage similar to a homeowner’s policy and is required for people who use their RV as a primary residence, which is defined as not owning or residing in another dwelling.  The Full Timer's Package includes Full Timer's Personal Liability coverage, Full Timer's Medical Payments To Others coverage, Full Timer's Loss Assessment coverage and Storage Shed Contents coverage, as defined below:

  • Personal Liability — Pays up to specified limits for bodily injury and property damage for which the insured is legally responsible because of an accident. Up to $500,000 CSL coverage is available.
  • Medical Payments  — Pays up to $50,000 for medical expenses of others who are injured because of an accident while on the property occupied by the RV that is used as a permanent or primary residence.
  • Loss Assessment — Pays up to $5,000 for certain assessments charged to the full timer while he owns or is a tenant of property in an association.
  • Storage Shed Contents — Pays up to $5,000 for contents located in a shed owned, leased or rented by the insured at the time of loss.

Emergency Expense

Pays up to the specified limits for reasonable temporary living facilities and transportation expenses if the RV becomes disabled due to acovered loss.

Fellows Financial Website Image

Speak with our team

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Check the background of investment professionals associated with this site on FINRA's BrokerCheck

Fellows Financial Group is registered with Coastal Equities, Inc. Coastal Equities, Inc. and Fellows Financial Group are not affiliated. Securities offered through Coastal Equities, Inc. Member FINRA/SIPC, advisory services offered through Wealth Care Advisory Partners.Coastal and CoastalOne are trade names for the Coastal Companies. The Coastal Companies are Coastal Equities, Inc., Coastal Investment Advisors, Inc., a US SEC Registered Investment Adviser and Coastal Insurance Services, which consist of several affiliated insurance agencies. Securities are offered through Coastal Equities, Inc., Member FINRA/SIPC and Investment Advisory Services are offered through Coastal Investment Advisors, Inc., a US SEC Registered Investment Adviser, co-located at 1201 N. Orange Street, Suite 729, Wilmington, DE 19801.

Personal and Commercial insurance services are offered through Fellows Insurance Group LLC.   Fellows Insurance Group LLC is a separate entity from Fellows Financial Group LLC, and Wealthcare Advisory Partners. Fellows Financial Group LLC, Fellows Insurance Group LLC and Wealthcare Advisory Partners do not offer tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

2019 Fellows Group. All Rights Reserved. Website by Open Design