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Family

Personal Insurance

We believe insurance is about people, not just policies. Experience the Tropolis difference.
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Insurance That Protects What You've Built

Protect what you work hard for with personal insurance that fits real life. From your home and vehicles to your valuables and liability, we help you close coverage gaps and manage total cost of risk.

VIEW OUR COVERAGES

Why Choose Tropolis?

Personal Protection
Personal Protection
We believe your policy should be as unique as you are – that’s the Tropolis difference.
Proven Value
Proven Value
Maximum coverage, no hidden costs, exceptional service — total value for you.
Trusted Partner
Trusted Partner
Not just a policy, but a partnership – our commitment to you, every client, every time

 

Our Coverages

Personal insurance is essential as it protects you and your loved ones from unexpected financial burdens due to events like accidents, health issues, and property damage. It ensures that you remain financially secure and able to recover quickly, allowing you to focus on living your life without the constant worry of unforeseen setbacks. 
Homeowners

Protect one of your greatest assets. Coverage for the structure from the foundation up, your belongings, and your personal liability.


Highlights: dwelling, personal property, loss of use, personal liability, medical payments.
Popular Add-Ons: water backup, service line, equipment breakdown, scheduled jewelry.
Condo

Condo coverage is walls in. The association handles the building shell; your policy protects interior finishes, built-ins, belongings, and liability.


Highlights: interior improvements, personal property, loss of use, personal liability.
Popular Add-Ons: loss assessment, water backup, equipment breakdown, scheduled valuables.
Renters

Affordable protection for what you own and the liability that follows you anywhere.

Highlights: personal property, loss of use, personal liability, medical payments.
Popular Add-Ons: replacement cost contents, identity theft, water backup, valuable items.
Landlord

Own a rental or investment property? Protect the structure, your premises liability, and rental income after a covered loss.


Highlights: dwelling, premises liability, loss of rents, other structures.
Popular Add-Ons: ordinance or law, equipment breakdown, wrongful eviction defense, water backup.
Mobile Home

Coverage designed for manufactured and mobile homes, including attached structures.


Highlights: home and attached structures, personal property, loss of use, liability.
Popular Add-Ons: replacement cost, seasonal or secondary occupancy, water backup, equipment breakdown.
Auto

Protection for your vehicle and the liability that goes with every trip.


Highlights: liability, collision, comprehensive, uninsured/underinsured motorist, PIP or MedPay.
Popular Add-Ons: rental reimbursement, gap, OEM parts, roadside assistance.
Motorcycle

Greater open-road exposure means you should consider higher liability limits than a typical car policy.


Highlights: bodily injury and property damage liability, collision, comprehensive, accessory and riding gear, roadside.
Popular Add-Ons: trip interruption, towing and labor, custom parts, increased medical coverage.
Boat

From inland lakes to Great Lakes runs, protect your hull, equipment, and liability on the water and at the dock.


Highlights: physical damage, liability, medical payments, uninsured boater, tow and recovery.
Popular Add-Ons: trailer coverage, fishing equipment, fuel spill liability, personal effects.
RV

Motorhomes and campers need coverage for both the drive and the stay.


Highlights: liability, physical damage, personal effects, vacation liability.
Popular Add-Ons: roadside assistance, total loss replacement, emergency expense, full-timer coverage.
ATV

Trails, farms, and fun come with unique risk. Keep riders and machines protected.


Highlights: liability, comprehensive, collision, accessory and equipment coverage.
Popular Add-Ons: medical payments, transport trailer, roadside/towing, increased liability limits.
Umbrella

One incident can exceed home or auto limits. A personal umbrella adds an extra layer of protection across your policies.


Highlights: additional liability limits, worldwide coverage, legal defense.
Popular Add-Ons: personal injury coverage, uninsured liability gap coverage, excess UM/UIM (where available).
Flood

Standard home and condo policies do not cover flood. Rising water can ruin contents before it damages the structure. A separate flood policy protects building and belongings.


Highlights: building coverage, contents coverage, optional replacement cost, 30-day waiting period may apply.
Popular Add-Ons: basement contents, increased cost of compliance, excess flood limits, loss of use (private markets).
Life

Income protection for the people who matter most. Help replace earnings, pay debts, and fund long-term plans.


Highlights: term and permanent options, level benefits, living benefits (where available).
Popular Add-Ons: child riders, disability waiver of premium, accidental death benefit, guaranteed insurability.
business partners

Protect Your Tomorrow, Together.

Connect with us today for a personal insurance consultation, and experience the Tropolis difference. The consultation is free - what do you have to lose?
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