HWP Insurance professionals simplify the process of finding personal insurance by carefully assessing your coverage needs, comparing offers from the top insurance carriers and helping you choose the right policy. We leverage our expertise and industry connections to provide tailored advice so that you make smart decisions when buying insurance.
HWP Insurance has been offering personal insurance products for over a hundred years. . Our understanding of the industry and extensive network of partnered carriers allows us to provide tailored insurance solutions that best fit your unique needs, providing you with the best coverage.
Our commitment to continuous education, participation in industry Advisory Councils, and alliances with top-tier carriers ensures we offer the latest, most effective insurance solutions.
At HWP, we offer a vast selection of insurance options specifically tailored to meet your individual needs. Our comprehensive portfolio encompasses various areas of private client coverage, and specialty products, enabling us to offer you the ideal insurance plan.
HWP Insurance offers a level of client service that sets us apart. When you become a client, you're not just another policy number—you're a valued partner. We pair you with a dedicated account management team who will be intimately familiar with your individual needs and coverage plans.
We offer reliable protection for our valued customers. Personal insurance options include
Private Client Insurance is a specialized type of insurance designed to meet the unique needs of high-net-worth individuals. It offers a comprehensive and tailored approach to insurance, providing coverage for a wide range of assets, such as luxury homes, vehicles, collections, and other high-value possessions. Private Client Insurance often includes higher limits, broader coverage, and additional services not available in standard policies. These may include risk management services, dedicated account managers, and access to specialized insurance products.
Auto insurance is designed to cover different types of risks associated with driving or owning a vehicle. A policy typically includes coverage for property damage, which takes care of the cost to repair or replace your vehicle if it's damaged or stolen. It also includes coverage for bodily injuries that you or others may sustain in an accident. Liability coverage is another essential element, covering the costs if you are found responsible for an accident affecting another person or their property. An often-overlooked but crucial aspect of auto insurance is uninsured or underinsured motorist coverage, which protects you if you're involved in an accident with a driver who does not have adequate insurance to cover the damages or medical expenses.
Homeowners insurance is designed to protect an individual's home and its contents from losses due to various risks such as fire, theft, vandalism, and natural disasters like storms and hurricanes. It typically includes coverage for the structure of the home, personal belongings inside the home, liability protection, and additional living expenses if you are temporarily unable to live in your home due to a covered event.
Personal umbrella insurance is a type of liability insurance that provides additional coverage beyond the limits of your standard insurance policies, such as homeowners or auto insurance. It is designed to protect your assets and future income from significant claims and lawsuits that can arise due to accidents, injuries, or other unforeseen events for which you may be held responsible.
Recreational insurance, also known as recreational vehicle (RV) insurance, is a specialized insurance policy designed to provide coverage for RVs and other recreational vehicles such as motorhomes, travel trailers, boats, ATVs, and jet skis. It may cover bodily injury and property damage that you may cause to others while using your recreational vehicle.
Valuables and Collectibles Insurance is a specialized insurance policy designed to provide coverage for high-value items and collectibles that may not be fully covered under a standard homeowners or renters insurance policy. This includes items such as jewelry, fine art, antiques, rare coins, stamps, wine collections, and other collectibles. This type of insurance provides protection against damages, theft, or loss of these valuable items.
Life is unpredictable and unexpected events can happen at any time. We believe Life Insurance is an essential part of any financial plan and we are committed to helping our clients make informed decisions about their coverage.
Flood insurance is a specialized type of property insurance designed to protect your home and belongings from water damage caused by flooding. Standard homeowners' insurance policies typically do not cover flood damage, making it necessary to purchase separate flood insurance if you live in an area prone to flooding. Flood insurance covers damages to your building's structure, including walls, ceilings, floors, and equipment, as well as your personal belongings, such as furniture, electronics, and appliances. It may also cover the costs of temporary accommodation if your home becomes uninhabitable due to flooding
The primary purpose of personal insurance is to provide financial security and peace of mind. Whether it's an unexpected demise, damage to one's home or an unexpected demise, personal insurance ensures that individuals or their beneficiaries receive financial support during challenging times.
The appropriate coverage amount is contingent upon individual needs and financial circumstances. It's essential to evaluate potential risks, assets, fiscal obligations and the intended standard of living preservation. Consulting our insurance advisors can provide more precise guidance on determining the correct coverage level.
Replacement Cost is the amount it would take to replace or rebuild your property with similar materials and quality without deducting for depreciation. Actual Cash Value, on the other hand, is the value of your property at the time of loss, taking into account depreciation.
Yes, many insurance carriers offer bundling options where individuals can combine different types of personal insurance policies. It could lead to lower premiums. Adopting this strategy can streamline the administration of your policies, ensure cost-efficiency and actively mitigate potential coverage gaps.
Several factors can affect the cost of your personal insurance, including your age, location, credit score, the value of your assets, the type and amount of coverage you choose, and your claims history.
A deductible is the amount of money you agree to pay out-of-pocket before your insurance coverage kicks in. Generally, the higher the deductible, the lower your premium will be.
STEP /