Personal Lines Insurance

Personal lines insurance is a policy that is offered to an individual rather than a commercial business or group business policy. Auto insurance is a common form of personal lines insurance because the individual driver is insuring the risk of driving a vehicle. You can find cheap rates for your personal lines auto coverage when you comparison shop online for coverage. Enter your ZIP code below to start comparing quotes for free.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 12, 2021

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Personal lines insurance is an insurance policy that is offered to an individual this is different from a commercial lines business or a group business commercial policy or agreement.personal lines

What are some common forms of personal lines insurance?

There are many different forms of personal lines insurance but some of the more common examples are:

Auto coverage – in this case the individual is insuring for the risk involved in driving a vehicle, this form of insurance can take many specific forms and ranges from comprehensive cover which is designed to cover the majority of eventualities that an individual may face to the more basic automobile liability insurance which in most states is the minimum level of insurance that is legally required in order to drive a vehicle. Automobile liability insurance coverage only applies to 3rd parties in terms of the claims payable.

Homeowners Insurance type of personal lines insurance is designed to cover a householder against liability for and damage to their personal property and place of residence. Like auto insurance there are many different variations of homeowners insurance and coverage may vary widely between two different policies. Renters insurance similarly covers renters.

Private Medical Insurance – this insurance is designed to cover medical eventualities for the insured party, levels of coverage may vary greatly between differing types of private medical insurance but may extend to long-term or short-term healthcare costs or coverage for disabilities/ disability insurance and support with loss of earnings or recovery from these disabilities.

Personal Coverage Against Accidents – this insurance is a little less common than other forms of personal lines insurance but is designed to cover the purchaser of the insurance policy against forms of personal injury (of an unforeseeable accidents nature) that are not covered by other forms of personal lines insurance – for example both auto insurance and homeowners insurance may include some form of personal accident coverage but the terms under which they may be claimed are limited. Usually this limit is to automobile accidents occurred within a vehicle (auto insurance) or within the home and its grounds and outbuildings (homeowners insurance)

Travel Insurance Travel insurance can cover a range of risks to the traveler and act as a “top-up” to other coverage that may not be valid in other countries or states. This form of personal lines insurance usually applies to medical care, lost baggage, and loss or theft of money, personal property, etc. when traveling.

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