August 8, 2022
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PERSONAL INSURANCEnew sidebar image top 4

Protecting your personal belongings is always a primary concern for any family. At Olson & Olson, Ltd., our Personal Lines Specialists work with you to develop a custom-tailored insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable, competitive costs our carriers can provide.


To properly protect yourself from the always present danger of huge awards for auto liability, it is imperative that you maintain the proper level of coverage for your particular situation.

If you have any doubts about the appropriate level of automobile coverage that's right for you, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the coverages best suited to your needs.

Compulsory Auto Policy Coverage

  • Bodily Injury to Others
  • Personal Injury Protection
  • Bodily Injury Caused by Uninsured Auto
  • Damage to Someone Else's Property

Optional Coverages

  • Optional Bodily Injury to Others
  • Medical Payments
  • Collision
  • Comprehensive
  • Substitute Transportation
  • Towing and Labor
  • Bodily Injury Caused by an Underinsured Auto


The biggest investment most people will ever make is in their home. That's why it makes sense to protect the sizable financial investment you've made in your own home with a comprehensive homeowners plan.

Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.

Basic Protection You Need For

  • Your home
  • Other buildings or structures on your property
  • Your personal belongings - furniture, clothing, appliances, etc.
  • Additional living expenses
  • Your personal legal liability

Special features you can choose for additional security

  • Home Replacement Guarantee
  • Replacement Cost on Contents
  • Additional Coverage Form


Excess Liability, or "Umbrella," coverage is designed to give added protection above and beyond what you might have with your homeowners and automobile policies.  It can pay for expenses shuch as an injured person's medical bills, legal defense.  Umbrella insurance is often overlooked and is not just for the wealthy. 

This important coverage can help buard your assets and keep your family protected in sever conditions.  The good news is that this added protection can often be added to your insurance program for minimal cost.

Basic Protection You Need For

  • Additional liability protection beyond what Homeowners and Auto policies provide


Collectibles, Fine Arts, Jewelry, Furs, Wines...   Many of us have collected quite a handful over the years.  These items are often excluded or have small limits on a homeowners policy.   A Personal Article policy can help protect these items.

It's time to choose an agenct who will guide you on protecting valuable collections and jewelry.  We offer guaranteed replacment costs and can guide you to professional who can appraise your personal articles so that you can make sure these importenat items are insured properly.

Basic Protection You Need For

  • Collectibles
  • Fine Art, including oriental rugs, paintings
  • Jewelry
  • Collectibles
  • Furs
  • Wines
  • Sports Equipment
  • Computer Equipment


Life insurance is a crucial step in planning for your future and your family’s future. It can fulfill promises and obligations to your family if you are no longer living.  The death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses your survivors may incur.

Life insurance may also be used to help ensure that a family business will pass to your intended survivor. There are also benefits to certain types of life insurance plans during your lifetime.

Basic Protection You Need For

  • Immediate financial needs
  • Long-term financial needs O&O bottom right