Personal Lines Insurance

WHY Work With us?

	We do the work of finding the best rates for you.
	Tailored advice from your own personal insurance shopper.
	We'll review your policies to ensure your family is well protected with the proper limits.
	Only A rated or better insurance carriers considered.
	Friendly, experienced, licensed insurance professionals. We strive to provide exceptional customer service not only at the time of purchase but any time you need us. We are here to help with filing a claim, answering your questions - anything we can do to help you our valued client.

Personal Lines Insurance Products

	Home		Umbrella
	Auto		Boats, Motorcycles, RVs and more

Personal Lines Insurance Quote

Click the home, auto, or renters insurance image below to provide your information and we'll begin shopping for you!

CARRIER PARTNERS

 SERVING YOU TODAY IS:

Kevin Gardner

Worked as a personal lines agent at Country Financial for 4.5 years before coming to Connor and Gallagher.

"I’ve found that most consumers looking for home and auto insurance all have a common interest in mind: protecting their family with the right coverage for the right price. I have learned to tailor insurance coverage to each family’s specific needs, while also being able to educate and explain as to why these coverages are important for your family." - Kevin.

Licensed in property, casualty, life and health insurance.

Car Insurance Terms to Know

• Protects you from financial responsibility for injuries, deaths, or property damage incurred due to your negligence.
• Designed to help protect you financially in the event that you are held liable for injury, death, or property damage suffered by others. This coverage can help pay for expenses related to any legal proceedings that may arise, as well as any damages awarded to the victims.

• Provides protection for the policyholder against financial losses incurred as the result of damage to someone else's vehicle or property. This can include repairing a car after an accident, fixing a fence that you damaged, or repairing the front of a building.

• A deductible is the amount of money you are required to pay out of pocket before your insurance policy begins to cover a claim. This is a key feature of many types of insurance policies, including homeowners, renters, and auto insurance. A policy may have multiple deductibles depending on the coverage it includes.

• Provides reimbursement for the damage or destruction of your vehicle resulting from a collision. This type of coverage is typically included as part of a standard insurance policy and helps to protect drivers from the financial consequences of an accident.

• Provides protection for the owner of the vehicle if it is damaged due to vandalism, theft, hail, fallen trees, and other covered perils. This coverage can help pay for the costs associated with repairing or replacing the vehicle.

• Covers medical expenses if you or your passengers are injured in an accident.

• Protects you financially in the event that the other driver is at fault and does not have insurance. This coverage can help pay for your medical expenses, property damage, and other losses.

• Roadside assistance is a service that covers the cost of common roadside services like tire changes and jump-starts.

• Provides financial assistance for car rental expenses when your vehicle is in the shop as a result of a collision or other covered loss.

Home Insurance Terms to Know

• Protects the physical structure of your home, like walls and roof. This type of coverage can help you repair or rebuild your home in the event of a covered loss.

• Personal property coverage protects the objects inside your home or garage even if they're damaged or stolen outside the house.

• Protects you and your family in the event that you are held responsible for an accidental injury or property damage. This can include fees associated with a legal defense, as well as any settlements or judgments levied against you.

• Protects the policyholder from any medical expenses incurred as a result of an accident on their property.

• Water backup coverage provides protection for your property in the event of a clogged sewer line, failed sump pump, or backed-up drains. This type of coverage can also help protect your home from mold damage caused by water or sewer backup.

• Protects the policyholder from unexpected expenses related to the damage of pipes, wiring, or utility lines coming onto their property. This type of coverage can provide financial assistance for the excavation and repair of underground wiring and piping.

• Identity theft insurance is designed to reimburse victims for money spent on reclaiming their financial identities and repairing their credit reports.

• Scheduled coverage is a type of property insurance that provides protection for specific items that are not usually covered under a non-scheduled policy. This type of coverage is often needed for high-value items such as jewelry, fine arts, and collectibles.
  
  

Boat Insurance, Motorcycle Insurance, & RV Insurance

Terms to Know

• Helps protect you and your boat or personal watercraft if it is stolen, damaged in an accident, or affected by a covered incident like fire or lightning. Boat insurance can also help cover you if you accidentally injure someone or damage someone else's personal property with your vessel.

• Motorcycle insurance policies generally provide coverage for both bodily injuries and property damage. This is mandated in most states, but there are a number of optional coverages that riders can choose from as well. These might include comprehensive and collision insurance, which would help to pay for damages to the bike if it's involved in an accident.

• Provides protection if you cause injuries or damage to others while driving your recreational vehicle. This type of insurance can also cover the cost of damages to your recreational vehicle if a covered incident like vandalism or theft occurs.
  
  

Umbrella Insurance Terms to Know

What is an Umbrella Policy?

• Excess liability insurance, commonly known as an umbrella policy, is a type of insurance coverage that provides protection beyond the limits of your other liability policies. An umbrella policy kicks in when you've reached the limit on your home or auto insurance policy. It provides additional coverage against claims for bodily injury and personal injury such as defamation or invasion of privacy. Umbrella policies are inexpensive and are well worth the cost if you have assets to protect.
• Umbrella policies are particularly effective for these scenarios: