Personal Insurance

By protecting your assets, you are protecting your family and it’s future. Potter Risk Advisors places our community at the forefront, changing the way personal insurance brokers service their clients. At Potter Risk Advisors, we believe our main priority starts when our client requests a quote from us.

Rather than hearing from us at renewal, or getting transferred when a claim occurs, Potter Risk Advisors is available all day everyday. We also advocate directly on your behalf, ensuring your claims are getting resolved to your satisfaction.

We provide a free review of your current policy, and will also run comparative quotes at no additional cost. We have the ability to run auto and home quotes with same day turnaround. For more complex cases, including high value homes or multiple autos, we utilize our strong carrier base to obtain competitive pricing and coverage enhancements.

Whether you own a house, condo, apartment, Potter Risk Advisors can help you!

Potter Risk Advisors work with new homeowners and existing homeowners to ensure their insurance is set up properly through their escrow so they stay in compliance with their loan requirements. Our partnerships with lending officers and real estate agents allow us the pleasure of assisting clients from the beginning in obtain the best coverage to keep their homeowners and mortgage rates at a guaranteed low price.

Potter Risk Advisors understands that not only is your home your highest investment, but it is also where you feel the safest. We take the time to review mitigation techniques to prevent losses and theft, creating a detailed report of your property unique to your needs.

There are many state regulations required for auto insurance and it is imperative that drivers are educated on these requirements so they get the coverage needed when a claim occurs. Potter Risk Advisors spends time learning each individual’s driving habits and helps predict future changes that may effect ones premiums. For example, does your current policy include business use for when you drive to and from meetings? Items like these can cause a claim to be denied. We offer coverage for all types of vehicles:

• Preferred and Standard Autos
• High Value Auto
• Antique / Classic Autos
• Motorcycles
• Motorhomes
• All types of trailers
• Recreational Vehicles: golf carts, bikes, and more
• Boats, Yachts, Jet Skis and more

Did you know that many Umbrella policies do not provide that extra protection over BOTH your auto and home? Has your agent ever provided you pricing for an Umbrella? Most do not realize the importance of an Umbrella until a loss occurs. Umbrella coverage will protect both your auto and home policies, as well as provide higher limits for any valuable items such as jewelry, fine arts, or antiques. These items should also be written separately from your home contents coverage, to guarantee the full value of these items are retrieved in case of a loss.

Potter Risk Advisors assists owners in coverage for their rental dwelling properties, ensuring protection for property damage and tenant liability. These types of policies can be written either on an individual or commercial basis, and Potter Risk Advisors will assist you in determining which policy type is the best option for your bottom line. We conduct detailed inspections with the carriers and provide a detail review to our client so they are aware of the current state their property is in. If anything is questionable, we will work directly with the tenants to resolve exposures and make their living environment safe and sound.

As home and auto insurance are the most common coverages clients obtain, many do not take the time to review what their personal liability limits and coverage is doing to protect them. In today’s world, we all have to be careful of who we allow in our lives. Even closest friends can file lawsuits when accidents happen, and you need to be personally protected for this along with your assets. Personal Liability insurance will pay for any defense costs in the event of a lawsuit, and medical and/or property claims for which you as in individual are found liability.