Personal Insurance

Personal Insurance

Many of our new clients are surprised to find that not all insurance policies are alike. The program designed for the first time apartment dweller can be vastly different from one for a vacation home. As lifestyles change so should your insurance program. Whether it’s a policy for your home, automobile, excess liability, watercraft, recreational vehicle, fine art, jewelry, or a collectible, Paston has the solution.

Home Insurance

Catastrophes, increasing personal liability judgments and a rise in identity theft have sparked concern with consumers about the effectiveness of their homeowners insurance policy. Most consumers only become aware of the many differences in available protection after a loss. Personal Insurance Services represents a variety of insurance carriers that provide coverage beyond the standard.

  • Guaranteed Replication Cost – Replacement cost coverage that promises to replicate your home regardless of the cost and with quality materials. Most standard policies cap replacement value and provide builders grade materials.
  • Cash Settlement – After a loss, have the option to rebuild your home on site or take a cash settlement.
  • Identity Theft Protection – Protect yourself from digital age crime.
  • Disaster Coverage – Safeguard your property from incidents ranging from sewer and drain problems to earthquakes.

Auto & Watercraft Insurance

Paston represents “A rated” carriers that can provide coverage beyond the standard. For autos, we can make certain you get original manufacturer parts for vehicle or repairs and a comparable rental with no daily limits if your car is damaged due to a covered loss.

For over a century, boat owners have depended on Paston’s marine expertise. Whether you are insuring a 25 foot boat or a 150 foot yacht, count on us to advise you of changing boat insurance markets.

Personal Umbrella Insurance

Enormous liability claims and astronomical judgments are no longer the worry of only the super rich. Anyone can be sued for many reasons regardless of your income level. Insufficient coverage can result in financial disaster. Your current assets, earnings and even future earnings can be jeopardized. Contact Paston to see how an umbrella liability policy can protect you where standard policies do not. Find out why excess liability is one of the best values and possibly the most important insurance decisions you can make. We offer limits ranging from $1,000,000 to $50,000.000.

Jewelry & Art Insurance

Make sure your most treasured belongings are properly insured with quality coverage. A fire, theft or other catastrophe is the wrong time to learn that you haven’t scheduled your valuable and have insufficient coverage. Consult with us about insuring your collectibles such as jewelry, paintings, sculpture, wine, dolls, model trains and other possessions.