Personal Property

We help clients protect the properties they rely on across the Tri-State Area. This includes homes, condos, co-ops, rental properties, and personal insurance needs that support the overall account. Our goal is to give you clear guidance, steady support, and coverage that reflects the details of your property.

We take time to understand how your property is built, how it is used, and what matters most to you. This helps us design coverage that aligns with your needs with no assumptions.

This is Insurance on Purpose.

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Homes

Coverage for primary and owner occupied homes including protection for the structure, personal property, and liability.

Condos and Co-Ops

Insurance for unit owners including coverage for interior improvements, personal property, and liability.

Second Homes

Insurance for seasonal and secondary homes including coverage for the structure, contents, and liability.

Auto

Auto insurance including liability, collision, comprehensive, and optional coverages like rental car and roadside assistance.

Umbrella

Additional liability coverage that extends protection across your home, vehicles, and other personal exposures.

Rental Properties

Insurance for single and multi unit rental properties including dwelling coverage, landlord liability, and loss of rent.

How it Works

Our process is designed to help you understand your coverage and make steady, informed decisions about your property from the first conversation through ongoing support.

refine risk insurance team collaboration

  • Discovery

    We learn about your property, how it is built, how it is used, and what you want to protect. This gives us the information we need to guide you clearly.

  • Design

    We structure coverage based on the details of your property and your goals. Everything is explained in plain terms.

  • Implement

    We put the coverage in place and walk you through each step so you understand how everything works.

  • Support

    We stay available throughout the year and help keep your coverage aligned as things change.

Have Questions?

Below are a few questions we often receive about personal property coverage in the Tri State Area.

We never knew it could be this easy...

"In the past, I've always tried to shop for my own insurance. The problem was, I didn't really understand what I was looking at, and always felt like I was "getting sold" a bill of goods. Finally I decided to leave it up to a professional, and I'm so glad I did. Refine Risk has been great from the beginning. We have fantastic rates, and I finally understand my coverages! I highly recommend them!"

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Personal Client