Personal Insurance Options Keep your personal assets protected with KAPTINS personal insurance options. Personal AutoHomeowner’s InsuranceRenter’s Insurance Personal Auto Quote Personal Auto! Liability Liability insurance pays to repair damages you cause to other drivers and vehicles. This insurance includes bodily injury and property damage liability. Collision This helps you pay to repair or replace your car if you’re in an accident. Comprehensive Comprehensive coverage is usually optional, and it covers damage to your car that is caused by unexpected events, like windshield damage, fire or accidents with animals. Uninsured Motorists This insurance covers you if you’re in an accident and the driver at-fault does not have liability insurance. Underinsured Motorists Uninsured motorist covers you if you’re in an accident and the driver at-fault does not have enough coverage to pay for damages to your vehicle or your medical expenses. Personal Injury Protection This pays for your medical bills if you sustain injuries in an accident, regardless of who is at-fault. Homeowner’s Insurance Quote Homeowner’s Insurance! Dwelling Covers damage to the home and attached structures, such as a porch. Other Structures Covers stand-alone structures on your property, such as a fence or shed. Personal Property Pays to repair or replace belongings that are stolen or damaged in a covered event. Additional Living Expenses Helps pay temporary living expenses while your home is being repaired. Liability Pays if you injure someone or cause property damage unintentionally or through neglect. Medical Payments Pays to treat someone injured on your property, regardless of who’s at fault. Also pays if you, a family member or a pet injures someone elsewhere. Renter’s Insurance Quote Renter’s Insurance! Personal Property Can pay the cost to repair or replace your belongings, such as clothing, furniture and electronics, up to the limits in your policy. Liability Can cover the cost of repairs if you accidentally damage someone else’s property or a guest’s medical bills if you’re found responsible for their injuries. Additional Living Expenses Additional costs you incur, like hotel bills, if the residence you rent is damaged and left uninhabitable.