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Personal lines insurance


Personal insurance includes products designed primarily for individuals or families such as automobile, homeowners, watercraft, fine arts, and umbrella liability. Robert Powers Insurance has special expertise in:

As an independent agent, we represent numerous personal insurance companies offering a variety of coverage and price options. Equally important, we listen. We take the time to understand your individual and family needs. We help you find the coverage you need at a price you can afford.


** IMPORTANT REMINDER - combining your auto and homeowner coverage could save you as much as 20% **

  • auto
  • homeowners
  • fine arts
  • umbrella

If you own a car, auto insurance is not just an option—it is a legal necessity. And you wouldn't want it any other way. If you are involved in an accident or have your car stolen, owning the right kind of auto insurance can help ease a difficult situation.


Auto insurance is a contract between you and the insurance company. As long as you pay your premium, the insurance company agrees to provide you and others with the benefits to which you are entitled based on the coverage definitions and limits of your policy.


On April 1, 2008, Massachusetts entered a new era in auto insurance. Insurance companies can now file independent pricing plans with the Massachusetts Department of Insurance. As an insurance buyer, you are faced with the task of making coverage decisions, and finding the most competitive price. For additional auto insurance information from the Massachusetts Division of Insurance, click here.



Homeowners insurance is a package policy. It covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to others.


A homeowners insurance policy generally includes four types of coverage:

  • Coverage for the structure of your home
  • Coverage for your personal belongings
  • Liability protection
  • Additional living expenses


Homeowners policies differ based on the level of coverage you would like, and whether you own your home, rent your home, or live in a condominium. Also, insurance companies offer a variety of pricing plans for each type of coverage.


Click here for additional homeowner coverage information.


Homeowners insurance policies generally limit coverage for furs, jewelry, electronics, art, and collectible items such as stamps or coins. Policies often specify the maximum total amount that will be paid for all items damaged by an insured peril, as well as the maximum payout for any one item. If the value of certain groups of possessions exceed the limits specified in the homeowners policy, additional coverage is needed.


In some cases, the additional coverage can be added to your homeowners policy by endorsement. In other cases, you may want a separate policy for your valuable possessions or collectibles. Scheduling or itemizing these possessions also broadens the coverage available to include such perils as breakage and mysterious disappearance. Generally, each item has a scheduled value so there is a clear understanding of worth in the event of a loss. Insurance companies often require an appraisal to determine the value of scheduled items.

Auto, homeowners, and boat policies provide liability coverage in case you are liable for injury or property damage to others, but only up to the limits specified in each policy. In today’s litigious society, that may not be enough protection.


Umbrella insurance provides an added layer of liability protection on top of the liability coverage that exists in your other policies. The umbrella policy takes over when the liability limits have been reached on any of the underlying policies, thus, the name umbrella insurance.


Personal lines policyholders can usually add $1 million to $5 million in umbrella coverage, however, insurance companies generally require minimum liability limits on all underlying policies before they issue an umbrella policy.


Umbrella insurance tends to be relatively inexpensive for the additional liability protection. Plus, you gain the peace of mind knowing that you are covered in the event of an expensive lawsuit.