• Perfect for homes, condos and co-ops
• Full Cost Replacement Coverage – no matter how much it ends up costing!
• Unlimited coverage for comparable living costs during home repairs.
• Option to take a cash settlement if you choose not to rebuild.
• Personal Property Replacement Cost without a deduction for depreciation
• Other Structures Replacement Cost Coverage
• Premises Liability Coverage for ALL residences (primary & secondary homes)
• Personal Injury Coverage (including Libel and Slander)

• Deductible waived on losses exceeding $50,000
• Identity Fraud Expenses up to $15,000
• Includes Kidnap and Ransom Expenses coverage up to $10,000
• Backup of Sewers and Drains
• Property in Bank Vaults up to $50,000
• Breakage of Fragile Property (art glass, windows, glassware, statuary, marble and porcelains)
• Higher Coverage for:
• Loss Assessment Coverage- $50,000
• Cash - $2,000
• Credit.fund transfer card coverage - $10,000
• Securities, Accounts, Deeds - $5,000
• Watercraft - $5,000
• Theft of Jewelry and Furs - $5,000
• Theft of Silverware - $10,000
• Business Property on Residence Premises - $10,000
• Business Property away from Insured Premises - $10,000

• Expands Identity Fraud Expenses up to $25,000
• Expands Kidnap and Ransom Expenses coverage up to $25,000
• Increases Business Property coverage up to $25,000
• Raises Electronic Devices coverage up to $25,000
• Adds full Cost Replacement Coverage for other Structures
• Vehicles

Our philosophy at J.M.Wilson is Customers First.

That means that every associate is committed to finding answers, solving problems, and securing the best solutions for your clients with speed and assurance. We know your satisfaction is the foundation of our success.
Our experience with specialty lines and easy access to A rated markets makes us a Managing General Agency you can trust with all your insurance needs.

The personal lines team at J.M. Wilson is eager to help independent insurance agents satisfy the needs of their customers.  A few of the highlights to consider:

* 24 hour turn around on quotes - most often, same day

* Direct bill for many personal lines accounts

* Knowledgeable, friendly underwriters ready to assist with:

            On-line rating

            Phone quotes

            Coverage questions

             Financing quotes when needed

* Some accounts the team is currently having success with:

             Dwelling/Fire

             Homeowners (including high valued homes)

             Personal inland-marine (including contents in mini-storage)

             Personal umbrella (even for high risk drivers)

             In-home business products

 * All J.M. Wilson personal lines markets are "A" rated