Personal Lines

Personal Lines

Refers to property and casualty insurance products designed for and purchased by individuals to protect what they own. Personal line insurance is generally divided into five categories: automobile, homeowners, accident and health, general liability, and financial or pecuniary loss.

These types of individual coverage are usually purchased separately under their own plan. However, buying more than one kind of policy from the same agent or company generally carries a multi-policy discount.

Compared to insurance commercial or business lines, personal lines aren’t as profitable for insurance agents because they’re considered riskier. But merged, the risk becomes more equalized, making personal lines of insurance more insurable.

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