Personal Auto Insurance

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Choosing a Personal Auto insurance policy these days can feel like a balancing act. Should you choose a low-cost policy with reduced coverage or a high-priced policy with broader coverage? How about one of those policies where you pay extra in order to be "forgiven" for a single auto accident, only to have your rates raised the next time it happens?

At Western National, we believe there's a better way. We offer excellent Personal Auto coverage at a fair price, and, if you qualify for our Penalty-Free Promise®, you will never pay a higher rate as the result of accidents or violations — a benefit that some competitors now attempt to copy, though we've been offering it for over 50 years! With a variety of discounts to make your premium even more affordable, and an experienced claim staff ready to provide outstanding service, our Personal Auto Insurance program provides the high level of protection you want and deserve.

Your Independent Insurance Agent can help you determine the appropriate Personal Auto coverages, discounts, and price for you. If you do not have an Independent Insurance agent, you can find an agent who works with Western National by clicking here.

Features

Western National offers a Personal Auto product that includes many unique benefits at no additional charge, such as:

Discounts

Coverages

Personal Auto insurance coverages vary by the limits and requirements of individual states. Western National offers the following coverages subject to those limits and requirements:


Getting a Quote

At Western National, we believe in the benefit that Independent Insurance Agents provide to their customers. That’s why our products are sold exclusively through Independent Insurance Agents.

Benefits of choosing an Independent Insurance Agent:

Contact your Independent Agent to get a quote for our products. If you don't already have an Independent Insurance Agent, click here find an agent in your area who works with Western National. For Commercial Auto insurance program information, click here.

Some coverages may not be available in all states. Please contact your Independent Insurance Agent if you have questions.

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Homeowner/Condo Unit Owner/Renter Insurance

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Whether you're a homeowner, renter, or own a condo, Western National understands that your property — whether it be real estate, personal property, or both — is special and valuable. We believe it deserves the protection to match.

With a variety of options tailored to meet your individual circumstances, we can cover just about everything (even the kitchen sink!). Our variety of discounts can help make your premium even more affordable, and our experienced claim staff is always ready to provide the outstanding service you want and deserve. Plus, our Penalty-Free Promise® means we don't raise our policyholders' rates as the result of their claims.

Your Independent Insurance Agent can help you determine the right fit of coverages, discounts, and price. If you do not currently have an Independent Insurance Agent, you can find an agent who works with Western National by clicking here.

Features

Western National offers a variety of homeowner forms that include many unique benefits at no additional charge, such as:

Discounts

Coverages

Homeowner/Renter insurance coverages vary by the limits and requirements of individual states. Western National offers the following coverages subject to those limits and requirements:


Getting a Quote

At Western National, we believe in the benefit that Independent Insurance Agents provide to their customers. That’s why our products are sold exclusively through Independent Insurance Agents.

Benefits of choosing an Independent Insurance Agent include:

Click here to get a quote for our products by finding an Independent Insurance Agent in your area.

Some coverages may not be available in all states. Please contact your Independent Insurance Agent if you have questions.

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Dwelling Property

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Do you own multiple properties? Western National offers Dwelling Property insurance to help policyholders cover various types of dwellings that their Homeowner insurance does not cover. Some properties that can be covered by Dwelling Property insurance include seasonal properties and properties that you rent to others. Dwelling Property insurance is available as a separate policy and requires a Western National Homeowner/Condo Unit Owner/Renter policy.

Your Independent Insurance Agent can help you determine if Dwelling Property insurance is right for you. If you do not currently have an Independent Insurance Agent, you can find an agent who works with Western National by clicking here.

Coverages

Dwelling Property insurance coverages vary by the limits and requirements of individual states. Western National offers the following coverages subject to those limits and requirements:


Getting a Quote

At Western National, we believe in the benefit that Independent Insurance Agents provide to their customers. That’s why our products are sold exclusively through Independent Insurance Agents.

Benefits of choosing an Independent Insurance Agent include:

If you don't already have an Independent Insurance Agent, click here find an agent in your area who works with Western National.

Some coverages may not be available in all states. Please contact your Independent Insurance Agent if you have questions.

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Recreational

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Everyone knows that the term "toys" doesn't just apply to fun things for kids. Whether you own a motorcycle*, an all-terrain vehicle*, a boat, or a snowmobile, Western National offers the recreational vehicle coverage you need to protect your toys and enjoy your favorite pastimes for years to come.

Boat & Motor Insurance

Nothing beats being out on the water — that is, except adding the peace of mind that comes from knowing your boat is protected by insurance. Our Boat & Motor insurance program provides liability and physical damage coverages for powerboats, sailboats, and outboard motors or furnishings you own. Boat & Motor insurance is available as an add-on to your Western National Homeowner/Condo Unit Owner/Renter policy.

Motorcycle/ATV Insurance - MN Only

Whether you prefer the open road or having no road at all, Western National has the policy to cover your ride. Our Motorcycle/ATV insurance program offers liability and physical damage coverages plus ways to save money, such as our discounts for claim-free periods and our Multi-Bike discount. Motorcycle/ATV insurance is available as a separate policy and requires a Western National Personal Auto policy.*

Snowmobile Insurance

If you love blazing trails across fresh snow, Western National offers the liability and physical damage coverages you need to protect your snowmobile. Snowmobile insurance is available as an add-on to your Western National Homeowner/Condo Unit Owner/Renter policy.

Your Independent Insurance Agent can help you determine which Recreational Vehicle insurance policies are right for you. To find an agent, click here.

Getting a Quote

At Western National, we believe in the benefit that Independent Insurance Agents provide to their customers. That’s why our products are sold exclusively through Independent Insurance Agents.

Benefits of choosing an Independent Insurance Agent:

If you don't currently have an Independent Insurance Agent, you can find an agent who works with Western National by clicking here.

* Some coverages may not be available in all states. Please contact your Independent Insurance Agent if you have questions.

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Personal Umbrella Insurance

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Lawsuits against individuals are common and can sometimes reach devastating levels. While your Personal Auto and Homeowner/Condo Unit Owner/Renter policies may provide coverage to help with these costs, it doesn't take much for certain lawsuit amounts to exceed the limits of those policies. For example:

These are just a few examples of the types of personal liability lawsuit situations that tend to result in very severe lawsuit amounts. A Personal Umbrella policy protects you in these situations by providing an extra layer of liability coverage over that provided by your other personal insurance policies. The Personal Umbrella insurance policy increases certain limits to $1 million or more, providing the extra coverage that can help secure individuals and families from severe liability costs. This affordable policy is available to policyholders who have both a Personal Auto policy and a Homeowner/Condo Unit Owner/Renter policy from Western National.

Uninsured and Underinsured Motorists coverage can also be added to a Personal Umbrella policy to provide an extra layer of protection for you and your family. If you or a resident family member were to get in an accident with a driver who is at fault but who does not have insurance (uninsured) or does not have enough insurance (underinsured) to cover your injuries, this optional coverage could provide the extra funds to help pay those damages.

Your Independent Insurance Agent can help you determine if Personal Umbrella Insurance is right for you. If you don't currently have an Independent Insurance Agent, you can find an agent who works with Western National by clicking here.

Additional Benefits

Getting a Quote

At Western National, we believe in the benefit that Independent Insurance Agents provide to their customers. That’s why our products are sold exclusively through Independent Insurance Agents.

Benefits of choosing an Independent Insurance Agent include:

Click here to get a quote for our products by finding an Independent Insurance Agent in your area.

Some coverages may not be available in all states. Please contact your Independent Insurance Agent if you have questions.

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