Personal Insurance


Auto Insurance
Auto Personal
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This coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and some coverage is required by most states.
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The second part covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.

Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

Condominium
Condominium
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Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas. You are responsible for the interior of your unit.
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Typically you need personal property and liability coverage. In addition to coverage for your floors, walls, cabinets and fixtures that your association's insurance probably will not cover.

Every association's insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condominium by-laws carefully.

Personal watercraft
Personal Watercraft
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Personal watercraft, such as jet skis and wave runners, are often our customer's first step into the boating world. Personal watercraft are extremely invigorating and fun for water lovers of all ages; however, they are not toys.
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Whether you are a first time boater or experienced captain, it is important that you have proper coverage for these vessels. Northpoint Insurance and Financial Services has policies that are geared specifically for your personal watercraft. Likewise, because of our expertise in this area we also have the ability to provide commercial marine insurance for companies that rent personal watercraft.
Homeowners Insurance
Homeowners
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If you have tangible assets, you need the protection of a homeowners policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster.
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The policy will also be your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way -- unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.
Motorcycles
Motorcycles
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Whether you're an enthusiast or a first-timer, having fun, being responsible and being safe is what it's all about. Being responsible includes finding the right insurance for your motorcycle.
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Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. We have a variety of motorcycle policy options to meet your needs.
Boat & Marine
Boat & Marine
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Boat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels.
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Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometime called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.
Flood Insurance
Flood
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Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.
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The Federal Emergency Management Agency's (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.
Personal Umbrella
Personal Umbrella
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You don't have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common.
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If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.

Umbrella policies offer inexpensive "peace of mind" for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor's child drowning in your pool or the delivery man being seriously injured by falling over your child's toys.
Renters
Renters
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As a renter, you need to protect your personal property against theft and damage. Our renters insurance is hard to beat for convenience and value. Plus, we'll assure you the peace of mind you need for your valuable items and electronics.
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Renters insurance can help protect you in case of a liability lawsuit against you. This could occur in a situation where you are held responsible for: Injury to another person Damage to another person's property Whether the incident occurred within your rented residence, or elsewhere.

Carriers We Represent

Why Us?

  • Our knowledgeable and friendly staff prides itself on providing options tailored to fit the needs of our clients at some of the best pricing available, while simultaneously providing outstanding service.

Locations

  • Coastal Insurance Associates
    201 S. Pinellas Ave.
    Tarpon Springs, FL 34689
    727.937.4141

  • Crews Insurance Agency
    9355 Seminole Blvd.
    Seminole FL, 33773
    727.595.4127

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