At First USA Insurance, we provide comprehensive coverage to protect what matters most—your home, health, life, and personal assets. Our tailored insurance solutions ensure financial security and peace of mind for individuals and families. Explore our personal insurance options below.
Property & Casualty Insurance
Homeowners Insurance
Your home is one of your biggest investments. Homeowners Insurance protects your property against damage from fire, storms, theft, and vandalism. It also covers liability if someone is injured on your property. A standard policy includes:
✔ Dwelling coverage – Protects the structure of your home from covered perils.
✔ Personal property coverage – Covers belongings such as furniture, electronics, and clothing.
✔ Liability protection – Safeguards you from legal expenses if someone is injured on your property.
✔ Additional living expenses (ALE) – Pays for temporary housing if your home becomes uninhabitable due to a covered event.
Renters Insurance
If you rent a home or apartment, your landlord’s insurance won’t cover your personal belongings. Renters Insurance protects your possessions from theft, fire, and other unexpected events. It also includes liability coverage in case you are responsible for damages or injuries to others.
Condo Insurance
Condo owners need specialized insurance that covers personal property, interior improvements, and liability. Our Condo Insurance policies complement your condo association’s master policy, ensuring comprehensive protection.
Flood & Disaster Insurance
Homeowners policies do not typically cover flood damage. If you live in a high-risk flood zone, Flood Insurance is essential to protect your property. We also offer coverage for other disasters, including hurricane and earthquake insurance.
Health Insurance & ACA
Individual & Family Health Insurance
Medical expenses can be overwhelming without proper coverage. Our Health Insurance plans provide access to quality healthcare, including doctor visits, hospital stays, prescription medications, and preventive care.
We offer:
✔ Private health insurance plans tailored to your needs.
✔ Affordable Care Act (ACA) Marketplace plans with potential subsidies.
✔ Short-term health insurance for temporary coverage.
✔ Supplemental insurance for dental, vision, and accident protection.
ACA Health Plans (Obamacare)
Under the Affordable Care Act (ACA), individuals and families can access affordable health plans with essential benefits. We help you navigate the marketplace, determine subsidy eligibility, and enroll in the best plan for you.
If you’re uninsured, don’t wait—open enrollment periods are limited! Contact us today to explore your options.
Life Insurance
Life insurance is a critical part of financial planning, ensuring your loved ones are taken care of in the event of an unexpected loss. We offer:
Term Life Insurance
Affordable coverage for a fixed period (e.g., 10, 20, or 30 years). Ideal for individuals looking for budget-friendly protection with a high death benefit.
Whole Life Insurance
Lifetime coverage with a cash value component that grows over time. This policy provides both a death benefit and an investment element.
Universal Life Insurance
A flexible policy that allows you to adjust premiums and coverage over time while accumulating cash value.
No matter your stage in life, having the right life insurance policy ensures your family’s financial stability.
Personal Liability Insurance
Accidents can happen anytime, and if you’re found legally responsible for injuries or damages, the costs can be devastating. Personal Liability Insurance protects you from lawsuits and financial losses.
✔ Covers bodily injury and property damage claims if you or a family member are responsible.
✔ Pays for legal defense costs in case of a lawsuit.
✔ Worldwide coverage—you’re protected even when traveling.
Liability coverage is included in homeowners and renters policies, but standalone umbrella policies are available for additional protection.
Personal Auto Insurance
Whether you drive daily or occasionally, having the right car insurance is essential. Our Personal Auto Insurance policies provide:
✔ Liability coverage – Covers injury or property damage to others if you cause an accident.
✔ Collision coverage – Pays for damage to your car after an accident.
✔ Comprehensive coverage – Covers theft, vandalism, and damage from fire, hail, or falling objects.
✔ Uninsured/underinsured motorist coverage – Protects you if you’re in an accident with a driver who has little or no insurance.
We offer customized coverage for all types of drivers, with options for multi-car discounts, safe driver incentives, and roadside assistance.
Motorcycle Insurance
Motorcycle riders need specialized protection beyond standard auto insurance. Our Motorcycle Insurance policies include:
✔ Liability coverage – Protects you if you cause injury or damage to another person.
✔ Collision coverage – Pays for damage to your motorcycle after an accident.
✔ Comprehensive coverage – Covers theft, vandalism, and non-accident-related damage.
✔ Medical payments coverage – Helps pay for medical expenses after an accident.
✔ Accessory coverage – Protects custom parts, saddlebags, and riding gear.
Whether you ride a sportbike, cruiser, touring bike, or custom-built motorcycle, we have coverage tailored to your needs.
Why Choose First USA Insurance?
At First USA Insurance, we are committed to:
✅ Personalized service – We help you choose the right coverage for your needs.
✅ Affordable rates – We work with top-rated carriers to find the best deals.
✅ Fast & easy claims process – We assist you every step of the way.
Protect your home, health, and personal assets—Contact us today for a free consultation!
