Personal Insurance

Personal insurance is designed to protect what matters most—your home, belongings, health, and loved ones. It serves as a safety net, providing financial security and peace of mind in the face of unexpected events like accidents, natural disasters, or health challenges. With the right personal insurance coverage, you can confidently navigate life’s uncertainties, knowing you’re prepared for whatever comes your way. Whether it’s safeguarding your assets or ensuring your family’s well-being, personal insurance is an essential step toward a secure and stable future.

  • Safeguards your home and personal belongings against risks such as fire, theft, and natural disasters.

  • Offers protection for essential home systems and appliances, covering repair or replacement costs due to normal wear and tear.

  • Provides coverage for property owners renting out their homes, protecting against potential damages and liabilities.

  • Protects tenants' personal property and offers liability coverage within a rented residence.

  • Tailored policies that cover interior structures and personal property within your unit, complementing your association's insurance.

  • Specialized coverage for agricultural properties, including dwellings, equipment, and livestock.

  • At Rafail Insurance Agency, we offer bespoke private client insurance solutions designed to meet the unique needs of high-net-worth individuals. From luxury homes and valuable collections to exotic vehicles and yachts, our personalized coverage protects your most prized assets with the utmost care and attention. Working with top carriers, we provide comprehensive policies that address complex risks, ensuring your lifestyle is safeguarded against the unexpected. With Rafail Insurance Agency, you can trust in our expertise to deliver unparalleled protection tailored to your personal and financial needs.

  • Protects valuable items like engagement rings, watches, and heirlooms against loss, theft, or damage.

  • Provides coverage for unoccupied homes, safeguarding against risks that standard policies may not cover.

  • Offers additional liability coverage beyond the limits of your standard policies, providing extra protection against major claims.

  • At Rafail Insurance Agency, we provide tailored personal flood insurance solutions to protect your property and belongings from the devastating effects of flooding. Whether you're a homeowner, renter, or landlord, our coverage ensures you're prepared for risks such as storm surges, heavy rains, or rising waterways. From safeguarding your home’s structure to protecting personal belongings and rental properties, our policies are designed to offer peace of mind and financial security. Partnering with top carriers, Rafail Insurance Agency helps you navigate flood risks with confidence, ensuring you’re covered no matter where you live or what you own.