Protect the Things You Love Most

Our Personal Lines Division lives up to its name — personalized service paired with our unwavering commitment to meet your unique insurance needs.

Protect the Things You Love Most

Our Personal Lines Division lives up to its name — personalized service paired with our unwavering commitment to meet your unique insurance needs.

Personal Insurance

Custom Protection for Your Unique Needs

We understand that coverage isn’t one-size-fits-all. Every situation is unique and deserves a customized insurance solution. Working together, we can help you identify your areas of risk to develop the best policy package to meet your needs — so you can worry less about the future and start enjoying the present even more.

Call For Your Solution

(337) 981-7300

Email For Your Solution

insurance@dwightandrus.com

Private Clients

Elevated coverage options for high net worth individuals.

Automobile

Comprehensive coverage options for personal vehicles.

Watercraft

Coverage for boats, jet skis and other personal watercraft.

Flood

Insurance options that protect against damage from flood waters.

Homeowners

Coverage for your most valuable asset — your home.

Umbrella

Supplemental, failsafe coverage for total peace of mind.

Inland Marine

Coverage for valuable personal items like paintings and jewelry.

Dwelling

Coverage for non-residence, rental and investment properties.

Private Clients

With high net worth comes an increased need for protection. Clients within this category often require specialized policies and insurance services that are designed for their unique lifestyles and assets. Backed by global connections and decades of industry experience, we know how to navigate the waters of wealth protection to create custom policies fit for your needs.

Homeowners

All owners of residential property need the protection of a quality homeowners insurance policy. These policies are vital to the protection of your investment and cover damage from causes such as fire, theft, vandalism, lightning, hail, wind and more. In addition, most homeowners policies provide personal liability insurance for the policy holder. Our team is experienced in the writing of these policies and can help you find a coverage solution that delivers the best coverage for your properties.

Automobile

Auto insurance is required for operating a vehicle on the road. Not only does it cover you when unexpected events damage your car like hail, debris or collisions, but it also covers your liability for other people or property you may affect while driving. With different options and rates available from provider to provider, we explore your options to find the best auto coverage in your budget.

Umbrella

Umbrella policies offer inexpensive “catch-all” coverage for most types of negligence claims. These policies help supplement other forms of coverage to protect you in the event a claim maxes out your original policy’s protection. Our team can help you analyze which areas of your liability may require additional protection and create an umbrella policy fit for you.

Watercraft

Protect your favorite marine vehicle with a custom watercraft insurance package from Dwight Andrus Insurance. Coverage includes liability and damage for a variety of watercraft including jet skis, yachts, high-performance powerboats, houseboats, catamarans and pontoons. Watercraft coverage is dependent on your state of residence and insurance companies, so some availability may vary.

Inland Marine

Your possessions may be more valuable than you realize.  Most homeowners policies offer limited coverage for personal articles such as jewelry, cameras, golf equipment, fine art and collectibles and computer equipment. We can provide the additional protection you need with a comprehensive valuable items insurance policy. 

Flood

Did you know that homeowners insurance does not protect against flood damage? Without flood insurance, your home may have significant gaps in coverage that could put your investment at risk in the event of a storm. We work with the best providers to analyze your home’s value and area of residence to find the ideal flood insurance package for you.

Dwelling

Owning a non- owner-occupied, rental or vacation property carries a large risk of liability. Accidents happen and weather can be unforgiving. Considering this, protecting your investment and assets with rental property insurance coverage is a must. To protect against the unpredictable, we offer insurance plans that are tailored to your property portfolio to provide the most comprehensive level of coverage.

Note: The above is meant as general information to help you understand the different types of coverages and services available. References to insurance policies and coverages do not refer to any specific policy of insurance and do not modify any definitions, exclusions or any other provision expressly stated in any policies of insurance. We encourage you to speak to your insurance consultant and to read your policy contract to fully understand your coverages.