personal insurance

Whatever you drive, there is a lot to think about… Your dearest loved ones and your peace of mind.  Choosing the right auto coverage will protect you from the risks you face on the roadway.  At MirState Insurance, we will work with you from the beginning, to make sure you and your family are protected wherever you go.

Types of coverage

• Bodily Injury Liability
• Property Damage Liability
• Injuries caused by Uninsured/Underinsured Motorists
• Medical Payments
• Personal Injury Protection
• Comprehensive Coverage
• Collisions Coverage

You can also add Rental Reimbursement Coverage, New Car Replacement Coverage, Roadside Assistance Coverage, OEM Parts, Full Glass Coverage and more.

Your auto insurance will be tailored for you

We will go through the process with you, choosing insurance coverage to fit your needs. 

Money saving discounts

In addition to comparing carrier rates for the most competitive insurance pricing, we will make sure to add any discounts which you may be eligible for such as Multi-car Discount, Early Quote Discount, Low Mileage Discount, Safe Driver and Good Payer.  Additionally, for customers who have an auto, home or additional policies through our agency, we will look for additional multi-policy discounts adding up to 65% in savings! 

Regardless if you are buying your first home, looking for better coverage, or upgrading to the high value home of your most precious dreams, MirState Insurance can help you find the right coverage. We will tailor the coverage to protect your prized possession, fitting within your budget and keeping your priorities in mind. 

Types of coverage

• Dwelling Coverage for damage to your home's physical structure 
• Other Structures Coverage for damage to other structures such as a shed, gazeebo, jungle gym or fence. 
• Personal Property Coverage for your personal belongings, whether in your home or outside your home 
• Loss of Use Coverage for additional living expenses if you are displaced because of a covered loss 
• Liability Coverage for your personal liability in the event someone is injured or their property is damaged at the negligence of you or a family member 
• Valuable Items Coverage with special and agreed limits for scheduled high value items. 

Your homeowners insurance will be tailored for you

We will go through the process with you, choosing insurance coverage to fit your needs. Get comprehensive coverage or streamlined coverage for your homeowners insurance.

We will find ways not only to protect your home, but to save while protecting it 

At MirState Insurance, we will make sure you receive all discounts which are available. Some of these include Multi-policy Discount, Age of Roof Discount, Security Discount, Upgrades Discount, Early Quote Discount and more. 

If you lease your residential property, MirState Insurance is able to find you insurance coverage that meets your needs.  We help landlords get the coverage necessary, needed and desired for a great value.

The following are eligible for Investment / Rental Property coverage (Landlord Insurance)

• Multiple properties
• Single family home, duplex, triplex, and quads
• Older and lower-value homes
• Row homes
• Vacation rental homes
• Homes with minimal cosmetic conditions
• Properties under minor renovation
• Short term rentals (daily, weekly, monthly)

Types of coverages and settlement options

• Dwelling Coverage
• Open Peril or Named Peril Coverage
• Other Structures coverage
• Personal Property coverage
• Loss of Rents
• Landlord Personal Injury
• Liability Coverage
• Medical Payments
• Optional Extended Replacement Cost
• Optional Replacement Cost
• Actual Cash Value (Partial Loss)
• Agreed Loss Settlement (Total Loss)

Your investment / rental property insurance will be tailored for you

We will go through the process with you, choosing insurance coverage to fit your needs. Get comprehensive coverage or streamlined coverage for your investment property.

Lots of ways to save while protecting your investment 

At MirState Insurance, we will compare insurance rates amongst all of our carriers to make sure you receive the most competitive price, and in addition, make sure you receive all discounts you are eligible for! 

Do you love the open road? If so, make sure to get the right coverage for the open road.  Motorcycle rates have an array of coverages built into to policy for no extra charge. Things like repairing or replacing your protective gear, costs incurred for trip interruption protection, emergency roadside assistance. That’s why riders insure their motorcycles with us. 

Types of motorcycles covered

We have carriers that will consider issuing policies for factory-built motorcycles, classic motorcycles, custom motorcycles, motor scooters and other two- or three-wheeled vehicles, including minibikes and trail bikes licensed for use on public roads.

Types of coverage

• Bodily Injury Liability
• Property Damage Liability
• Injuries caused by Uninsured/Underinsured Motorists
• Medical Payments
• Personal Injury Protection
• Comprehensive Coverage
• Collisions Coverage
• Custom Motorcycle Features, such as paint or upgraded components
• Attached Side Cars
• Emergency Roadside Expenses
• Loss to Protective Gear
• Trip Interruption Expenses

Your motorcycle insurance will be tailored for you

We will go through the process with you, choosing insurance coverage to fit your needs. 

Money saving discounts

In addition to comparing carrier rates for the most competitive insurance pricing, we will make sure to add any discounts which you may be eligible for such as Early Quote Discount, Low Mileage Discount, Safe Driver and Good Payer. Additionally, for customers who have an auto, home or additional policies through our agency, we will look for additional multi-policy discounts! 

You may not own a home, but you still have a lot at stake.  Your personal belongings, such as your clothes, electronics, furniture, cookware, etc. have significant value.  Renters insurance will help to protect your items without breaking the bank.  With MirState Insurance, you can rent with peace of mind. 

A Renters policy can cover

• Damages to personal items such as your furniture, clothing, electronics, etc.
• Your personal belongings, whether they're in your home or somewhere else
• Personal liability for another's injury or their property, if damaged

You can also select additional policy coverages such as High Value Items Coverage or Replacement Cost Settlement. 

Savings for home security and more

We will shop all carriers for you to get the most competitive rates. In addition, you can get an array of discounts such as Claim Free history, Security Features, Smoke Detectors, Dead Bolts, Multi-policy Discounts, Early Quote Discounts and more!

Whether it's a serious auto accident involving pricey medical bills or an incident on your home, you can quickly find yourself responsible for damages that exceed the limits on your auto policy, homeowners policy, motorcycle policy, boat policy, etc. If you are sued and receive an expensive judgment, it is the last thing you want to worry about. 

Personal umbrella insurance can provide

• Extra $1,000,000 to $10,000,000 limits of liability coverage. This will help to protect your assets like auto, home, boat, and investments
• Coverage for claims like libel, slander, defamation of character and invasion of privacy
• Helps cover defense costs, attorney fees and other charges associated with lawsuits

All this coverage can extend to international occurrences too!

Coverage that goes above and beyond—without the huge price tag

Anyone can get sued in today’s age. Personal umbrella insurance can protect you and is more affordable than most people think.  Contact us to find out more information on this added protection and your peace of mind.