Coverage for personal risk
Homeowners, Property, Farm & Ranch
LUCENT offers a comprehensive planning approach that is custom-designed for your unique needs; and we understand what it takes to protect your home: wherever it is located and no matter the value. We provide protection for damage to real and personal property including ensuing loss for diminished value and loss of use.
Flood
LUCENT offers Federal and Private Flood Insurance options. No home is completely safe from potential flooding. When just one inch of water in a home can cause more than $25,000 in damage, flood insurance can be the difference between recovery and financial devastation.
Automobile
LUCENT offers specialized coverage and options to compliment driving needs for a wide range of vehicles, including classic, exotic, collector and recreational.
Personal Liability Umbrella
LUCENT offers layers of additional protection from potential lawsuits that keep in-step with wealth accumulation and earning power. Other offerings include Workers' Compensation for Household Staff, as well as Directors & Officers/Executive Risk Liability.
Boats, yachts and personal watercraft
LUCENT offers many of the standard carriers and coverages available on the market, but we do more: we tailor each policy to the watercraft's specific features and your individual needs.
Jewelry, Antiques, Private Collections and other valuables
LUCENT offers special, replacement-cost protection for jewelry, antiques, fine art, silverware, golf clubs and any other item(s) you value. Our carriers provide comprehensive coverage from acquisition to storage and use. Most individuals will need broader coverage than a basic homeowners policy provides - and to have a separate valuable items policy means any claims filed will not affect your Home insurance policy.
Additional Special lines of coverage
LUCENT offers additional product lines for Aviation, Equine, Special Events, Travel and more.