Welcome to Griffith E. Harris Insurance Services

Whether you’re looking to protect your home with homeowner's, renter's, condominium or flood insurance — or to protect your vehicles with auto insurance — or your boat with watercraft insurance, Griffith E. Harris Insurance Services offers a wide range of personal lines insurance policies that can be tailored to meet your individual needs. We also offer personal catastrophe liability insurance to help protect you against catastrophic liability losses and a comprehensive watercraft insurance policy that few other companies can match.

Special Features

A package discount when both your personal automobile and
homeowners policies are written with the same company.
A loss-free discount for both your automobile and
homeowners policies when there have been no paid losses
in the last three years or more
First accident waiver
A variety of limit and deductible options
Annual policies with affordable payment plans
Summit enhancement programs for both automobile and homeowners

Personal Automotive Insurance

Owning a car involves several risks. When a car accident occurs, people may be injured and vehicles (or other property) may be damaged. Damage can also occur through theft, vandalism, or natural disasters. Auto insurance can protect you against these risks. Insurance companies provide auto insurance through personal auto policies (PAPs). A PAP is a contract between you and your insurer, specifying each party's rights and obligations. Essentially, your insurer promises to provide specific coverage for you in return for your payment of a premium.

All states require you to be financially responsible when driving a car. Depending on your state, you may be required to purchase auto insurance or post a bond. State law (and/or your lender) often requires you to purchase at least a minimum amount of auto insurance. You may find it prudent to purchase greater coverage, however, in order to protect your auto investment, pay for necessary medical expenses, cover your legal liability, and cover any additional losses related to driving. Consider the following: if you cause an accident and the other driver suffers damages over and above your insurance limits, your personal assets and future earnings may be put at risk.

Click here to learn more about Auto Insurance

Homeowners Coverage

Homeowners insurance is a policy covering your home (the structure) and its contents (personal belongings). It can save you from severe financial loss if your home is damaged or destroyed. It covers your family's possessions and can provide you with compensation for liability claims, medical expenses, and other amounts that result from property damage and personal injury suffered by others. Most lenders require homeowners insurance in order to obtain a mortgage.

A homeowners insurance policy can protect you against the following scenarios:

A storm shattering your home's windows and storm doors
A burglar breaking into your home to steal the figurine you inherited from your great aunt
Your dog biting the neighborhood kid
Physical therapy costs for a guest injured by a fall in your home
A successful personal injury lawsuit brought by a neighbor the last time you practiced your chip shot in the backyard
Damage from a vehicle crashing into your house

Homeowners insurance is also a way for condominium and cooperative unit owners, mobile home owners, and renters to protect their possessions from damage or theft, and to obtain liability coverage for property damage and personal injury suffered by others.

Click here to learn more about Homeowner Insurance

Watercraft Coverage

Did you know that your standard homeowners insurance provides very limited coverage at best for personal watercraft? The dollar amount of coverage is limited and certain perils may be excluded. Depending upon the size of your watercraft, the liability covergage may be excluded entirely for larger boats.

Our personal watercraft insurance was designed to provide protection and flexible coverage to meet your needs. We have insurance for all watercraft classes and include special features to address the seasonal and recreational aspects of personal watercraft. With personal watercraft insurance from Harris Insurance, the only thing left to worry about is too much sun.

We also offer payment plans to fit your budget that allow you to spread your payments over time.

Click here to learn more about Watercraft Insurance