Personal Insurance
Comprehensive coverage designed to protect your most valuable assets and give you peace of mind.
Midstate offers a variety of personal lines insurance products for our independent agents to sell. Our most popular by far is the Homeowners product. It is competitively priced and has many coverage options that can be tailored to your insurance needs.
If you have a Seasonal Home or even a small Bed and Breakfast risk, those can be accommodated. Our Landlords Program may be exactly what you need to protect a rental home you own.
All of our personal insurance lines have available discounts and we write risks in cities, towns and even in the middle of the countryside. The best way to find out more is to talk with an independent agent who represents us.
Find an AgentOur Personal Insurance Products
Explore coverage designed to protect the homes and property that matter most.
Homeowners
Comprehensive protection for your home and personal property with competitive pricing and tailored coverage options.
Manufactured Homes
Specialized coverage designed specifically for manufactured and mobile home owners.
Seasonal Homes
Protection for your vacation property, cabin, or seasonal residence.
Landlord Program
Tailored protection for rental property owners
If you own rental property, a standard homeowners policy won't provide the protection you need. Our Landlords Program is specifically designed for property owners who rent to tenants, offering coverage tailored to the unique risks landlords face.
Whether you own a single rental house or multiple investment properties, our landlord coverage protects the structure, provides liability coverage, and can include loss of rental income if a covered event makes the property uninhabitable.
Talk with one of our independent agents to learn more about how our Landlords Program can protect your rental property investment.
Bed & Breakfast Program
Comprehensive insurance for B&B and small hospitality properties
Operating a bed and breakfast comes with unique risks that go beyond a standard homeowners or landlord policy. Our Bed & Breakfast Coverage is designed specifically for owners of small hospitality properties, providing the specialized protection your business and guests deserve.
Whether you run a charming country inn in the Finger Lakes, a lakeside retreat, or an in-home guest accommodation, this coverage addresses the liability exposures and property risks that come with welcoming paying guests into your property.
Speak with one of our independent agents to learn how our Bed & Breakfast Program can protect your hospitality business and provide peace of mind for you and your guests.
Specialty Protections
Explore our additional coverage options designed for today's unique risks.
Inland Flood Coverage
New, easy, affordable flood protection for changing weather patterns
Rainstorms and snowstorms are becoming more frequent and intense, and affecting more areas of the country. Inland Flood Coverage is an innovative response to these changing weather patterns that are increasing the risk of flooding in low-to-moderate flood risk areas.
Flood risk is a result of both fluvial and pluvial flooding and should provide a comprehensive view of all sources and extent of inland flooding. It is important to account for both types of flood risks to properly estimate the view of inland flood hazard.
Claims Process Considerations
Homeowners would be smart to have an independent evaluation of flood damage, preferably before any demolition occurs. Consider the full extent of damage to electrical, foundation, finishings, cabinetry, baseboards, moldings, and all of the other things that make a home special.
Photographs of the damage are critical. Also consider photographs that highlight the home or affected area before the flood — recent appraisals, photos from gatherings, or social media posts showing the property before the event can all be valuable documentation.
Note: This coverage does not satisfy federally regulated mortgage lender requirements for flood insurance.
Contact your agent to add this valuable coverage or find an agent for more information.
Home Cyber Protection
Defense against cyber attacks, fraud, and identity theft
Homeowners are increasingly at risk to cyber attacks and online fraud schemes. A typical homeowners or tenants policy does not cover cyber losses, and no active assistance is provided. This all changes with the addition of Home Cyber Protection™.
With the sheer volume of connected, wi-fi enabled devices in a home—virtual assistants, electronic climate control devices, pet cameras, security systems, and even baby monitors—vulnerability has increased exponentially. Home Cyber Protection puts experts in your corner when you need them most.
Coverage Includes
Ready to Get Protected?
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