Piece by Piece

At Joseph Krar & Associates, Inc., we know true protection goes beyond basic Homeowners and Dwelling Fire coverage. That’s why we offer key Personal Lines products such as Flood insurance, Personal Articles Floaters (PAF), and Car Collector coverage to complete your Personal Lines puzzle. Piece by piece, we help you create tailored solutions that protect your clients and strengthen your book of business.

FILL IN THE GAPS

Flood

Covers 1–4 family homes, commercial buildings, multi-family, apartments & condos from floods.

Flood Rater

Personal Articles Floater

Covers fine art, jewelry, antiques, collectibles, luxury items & valuables.

PAF Portal

Car Collectors

Auto Physical Damage: Agreed value coverage when primary carrier falls short.

Car Collectors Application

Excess Homeowners

Provides added protection for high-value homes and personal assets beyond standard coverage.

Excess Homeowners Application

LOCK IN THE KEY PIECES

Homeowners

HO-3, 4, 5 & 6 via Admitted/Non-Admitted carriers, no Coverage A limits, competitively priced.

Homeowners Application

High Value Homeowners

Covers $1M+ homes built after 1800 with recent updates—tailored, top-tier protection.

HVH Application

Dwelling Fire

Get peace of mind against unexpected risks with this tailored protection for 1 to 2 family homes.

Dwelling Fire Application

INQUIRIES & SUBMISSIONS

Send inquiries you may have to one of our Personal Lines underwriters: Angel Vega (avega@jkrar.com), Josh Makles (jmakles2@jkrar.com), or Joyce Augusto (jaugusto@jkrar.com).

Submit Fully Completed Applications to: Emailrec@jkrar.com

FULLY COMPLETED APPLICATIONS ARE SERVICED THE QUICKEST!