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Selective
Selective

Why Selective Insurance?

You’ve worked hard for the life you’ve created. Now you can relax with tailored insurance for the home you put your heart into, the car you love driving, and the assets you rely on.

Homeowners Insurance

Enjoy added coverages and higher limits with
Platinum PolicySM

Auto Insurance

Customize your policy with new enhancements
for high-end vehicles 

Umbrella Insurance

Know your finances are covered
with broader liability protection

Personal Insurance Benefits with Selective

You deserve a unique insurance solution to protect your home and car.

Get the protection you need with broad home coverages:

  • Protects your home and contents against damage from fire, smoke, theft or vandalism, or a weather event like lightning, wind, or hail
  • Liability protection covering lawsuits for bodily injuries sustained on your property

Our highest tier of home coverage offers the highest coverage levels for successful homeowners:

  • Increased limits for property stored in refrigerators, damage or loss in a common area, and special limits of liability for Certainly Personal Property
  • Guaranteed Replacement Cost on qualifying Non-Building Structures like pools, patios, and outdoor fireplaces
  • Cash-Out Option on Contents lets you choose between cash or having your contents replaced if you suffer a total loss

Our personal auto protection offers:

  • Protection for your vehicle in the event of an accident, weather event, and more
  • Coverage options for repairs, medical bills, or rental car after a collision
  • Enhancements like Roadside Assistance, key replacement, pet injury coverage, and more

Higher-tier coverage can include enhancements such as:

  • Accident Forgiveness – your premium won’t increase after your first at-fault accident
  • Diminishing deductible – receive credit for every claim-free year up to $500 in discounts
  • Newer Car Replacement – receive the cash value for a car one model year newer and with 15,000 fewer miles in the event of a total vehicle loss
  • Selective Choice Replacement CostSM - replace your vehicle with the latest model vehicle available at the time of loss

Enhancing your insurance with an umbrella policy can give you benefits above-and-beyond standard coverage including:

  • Broader coverage, protecting additional events and possessions
  • Higher limits, range from $1 million to $5 million, including uninsured/underinsured auto coverage of $1 million
  • Loss of earnings and defense costs from going to trial in a lawsuit

Exclusive umbrella insurance discounts available:

  • Must have a current auto insurance policy with Selective
  • Greater discounts for holders of both a current auto insurance and homeowners insurance policy

Frequently Asked Questions

How will Selective Insurance help cover my dream home?

Can Selective Insurance cover my high end vehicle?

What is a Personal Umbrella Policy?

What are the advantages of working with Selective Insurance and an independent insurance agent?

Find an Agent