At GAF our personal insurance division strives to make your life less complicated by providing simple and effective insurance solutions to protect all of your hard earned assets. We realize that as your life is always changing, so are your insurance needs. Whether you just bought your first house, or your ‘baby’ has just obtained his learner’s permit, or you have decided to start a business out of your home, our personal lines staff is trained to respond to all of your needs, whenever they arise.

Personal Coverage Expertise:

• Homeowners
• Condo, Co-op and Renters Policies
• Personal Automobile
• Jewelry, Valuable Items and Fine Arts
• Watercraft
• Identity Theft
• Flood
• Personal Umbrella
• Workers Compensation
• Disability Benefits

Personal Insurance FAQ’s

1) If I have an accident with my car, does it mean my premium will go up automatically?

If your vehicle was responsible for causing the accident, most companies will surcharge you if there is a personal or bodily injury or if the property damage involved exceeds a certain amount. In New York State, that amount is $1,000.

2) Does my homeowner policy provide coverage for Flood?

The homeowners policy does not provide any coverage for Flood which is generally defined as an overflow of water from its natural boundaries. Coverage is available through the National Flood Insurance Program which we can access for you.