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Personal Lines

ISU-Fritts-Million provides many types of personal insurance. As independent insurance professionals we can help you find the coverage that best suit you / your family’s particular needs and provides you with the greatest value.

Below is a list of various personal lines that we can quote. Please note that this is not an exhaustive list. If you need something not found below, contact us!

Antique & Specialty Auto

Is an insurance policy needed to completely insure or cover special automobiles that regular insurance wouldn’t cover. This can include: Collectibles, Antique and Classic Cars, Hot Rods, Custom-Built Cars, Show Cars, and Race Cars.


Is an insurance policy in which you agree to pay a premium, and in the event of an accident, the company agrees to pay for your covered damages, as outlined in your specific insurance auto policy. Types of coverage can include but is not limited to: Bodily Injury Liability, Property Damage Liability, Collision, Comprehensive, Uninsured and Underinsured Motorist Coverage.

Boat and RV

An insurance policy that covers you in the event of a loss or damage to your boat. It covers most watercraft with motors, including fishing boats, pontoon boats, paddle boats, leisure crafts and yachts. Boat insurance does not usually cover canoes, kayaks or personal watercrafts (PWCs).


An insurance plan that provides for periodic payments of benefits when a disabled insured is unable to work. The insurance product is designed to replace anywhere from 45 to 65% of your gross income on a tax-free basis should illness keep you from earning an income in your occupation.


Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world. Homeowners insurance is a form of property insurance designed to protect an individual’s home against damages to the house itself, or to possessions in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

Individual Health

A type of insurance coverage that covers the cost of an insured individual’s medical and surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider.


A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured’s death. There are several different types of life insurance products available. The most common include: Term Life Insurance (protection for a specified period of time), Whole Life Insurance (permanent life insurance that remains in force during the insured person’s lifetime), Universal Life Insurance (permanent life insurance with flexible premiums, flexible face amounts and unbundled pricing structure.


An insurance policy that provides some of the benefits of homeowners’ insurance, but does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure. It provides liability insurance and the tenant’s personal property is covered against named perils such as fire, theft, and vandalism. It also pays expenses when the dwelling becomes uninhabitable.


An insurance policy that provides extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It does this in two ways: Provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies.