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Protect Your Home and Car with Personal Lines Insurance

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Explore Our Insurance Options for Home, Auto, and More

Life is full of unexpected events, but with the right insurance, you can have peace of mind knowing that your home, car, and belongings are protected. At Hastings, we offer Personal Lines insurance designed to cover all aspects of your life, from your home and auto to your personal belongings and even sports equipment. With our coverage, you can rest easy knowing that no matter what happens, Hastings has your back.

What Is Personal Lines Insurance?

Personal Lines insurance covers individuals and families, protecting personal assets like homes, vehicles, and possessions. It also includes Liability coverage in case someone gets hurt on your property or you cause damage to someone else’s property. Whether you're a homeowner, a car owner, or both, Personal Lines insurance is designed to help you avoid the financial burden of accidents, damage, or theft.

Types of Personal Lines Insurance

Homeowners Insurance

Hastings offers home insurance that covers both the structure of your home and the valuables inside. If your home is damaged by a covered event, such as a fire, storm, or theft, we’ll be there to help you repair or replace what’s lost.

In addition to basic Home insurance coverage, we offer a range of Personal Property insurance options to protect your belongings. This includes coverage for things like furniture, electronics, clothing, and even jewelry.

We also offer unique add-ons that can give you even more protection.

 

Add-On Coverages
 

Utility Line Coverage

Covers repair or replacement of water, sewer, or electrical lines damaged due to accidents, natural disasters, or simple wear and tear.

 

Mechanical Breakdown Coverage

Covers critical home systems like your furnace, air conditioning, and major appliances such as your refrigerator and dishwasher.

 

Leisure Sports Equipment Coverage

Ensures that your valuable sports gear is covered in case of damage, loss, or theft.

Auto Insurance

Hastings provides a wide range of Auto insurance options that can be customized to fit your needs. From Liability insurance to collision coverage, we’ll make sure your vehicle is protected from accidents, theft, and unexpected events.

In addition to protecting your car, our Auto insurance policies also provide coverage for medical expenses if you or someone else is injured in an accident. We offer roadside assistance, rental car coverage, and more, so you’re never left stranded.

 

Personal Liability Insurance

If someone gets injured on your property or you accidentally damage someone else’s property, Personal Liability coverage can help cover legal costs, medical bills, and other expenses.

Hastings includes Personal Liability coverage in all of our Home and Auto insurance policies to ensure that you aren’t left financially vulnerable in case of an accident.

 

Bundle Home and Auto Insurance and Save

Did you know that bundling your Home and Auto insurance with Hastings can save you money? By combining your policies into one package, you’ll get comprehensive coverage while also enjoying a discounted rate.

Get Started with Hastings Personal Lines Insurance Today

Your home, car, and belongings are valuable assets, and they deserve the best protection. With Hastings, you can get the comprehensive Personal Lines insurance you need to keep your property and family safe. From Personal Liability insurance to Personal Property insurance, as well as unique add-ons like Utility Line coverage, Mechanical Breakdown coverage, and Leisure Sports Equipment coverage, Hastings has everything you need to protect what matters most.

FAQs About Personal Lines Insurance

What is Personal Lines insurance?

Personal Lines insurance is a type of insurance that covers individuals and families, protecting personal assets like homes, cars, and personal belongings.

What is Mechanical Breakdown coverage?

Mechanical Breakdown coverage helps cover the cost of repairs for home systems like heating, air conditioning, and appliances when they unexpectedly break down.

What does Utility Line coverage include?

Utility Line coverage protects home owners from the cost of repairs or replacement for utility lines, such as water, sewer, or electrical lines, that are damaged.

Can I add Leisure Sports Equipment coverage to my Homeowners insurance?

Yes! Hastings offers Leisure Sports Equipment coverage to protect your sports gear like skis, snowboards, and bikes from damage or theft.

Is Personal Liability insurance included in Personal Lines insurance?

Yes, Personal Liability insurance is typically included and protects you from legal costs if someone is injured on your property or you cause property damage.

Can I bundle my Home and Auto insurance with Hastings?

Yes, bundling Home and Auto insurance can save you money and make managing your policies easier.

How do I find an Agent near me?

Visit our insurance Agent locator to find an Agent near you and get started.

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We offer a wide range of commercial insurance products. Find the product that's right for you!

Types of Business Insurance
 

Insurance for All Types of Farms

Hastings offers a range of products specifically designed for farmers.

Farm Insurance

What Sets Hastings Apart

Hastings stands out for our dedication to providing personalized service and comprehensive coverage, including:

  • Industry Expertise: Deep understanding of your industry and its unique risks.
  • Wide Range of Coverage Options: Offering insurance solutions that address the diverse needs of different businesses.
  • Excellent Customer Service: Dedicated support from knowledgeable agents.
  • Loss Control: Personalized loss control and safety plans.

Secure your
future today!

Get a Quote

Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by Hastings Insurance Company (Hastings). Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

Hastings Insurance Company
404 E. Woodlawn Ave.
Hastings, MI 49058

 

Monday-Friday
8:00 a.m. - 4:30 p.m. (EST)

 

(800) 442-8277


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