Personal Insurance

GCU arranges homeowners, condominium, renters, personal auto, motorcycle, boat and personal watercraft, recreational vehicle, valuable-items and umbrella or excess liability coverage. High-value, coastal, seasonal, vacant and under-construction homes require additional review.

High-value home insurance is designed for properties with higher replacement costs, custom features, valuable contents or other characteristics that do not fit well within a standard homeowners policy. The home, location, construction, contents and liability exposures determine the appropriate structure.

Yes, when standard homeowners or renters limits do not fully protect those items. Jewelry, artwork, collectibles and other valuable personal property often require scheduled or separate coverage for broader protection.

A personal umbrella policy provides additional liability protection above the limits of certain underlying home, auto, boat and other personal policies. Assets, exposures and underlying policy limits determine the appropriate amount of coverage.

Review coverage when you purchase or renovate a home, add vehicles or recreational assets, acquire valuable property, move, or experience another significant change that affects your risk profile.