Personal Inland Marine Policy

"Marine insurance" is designed to accommodate the special risks associated with property in transit. Ocean Marine Insurance dates back to the early days of shipping when coverage was needed for property being moved from one port to another. As the need for insurance developed, the Inland Marine Policy was created to insure property in transit by land conveyance or for property apt to be at various places at various times.

Inland Marine
Photo courtesy Dwight Dorsey

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Your Homeowner or Farm owner Policy contains special limits of liability on many of the valuable types of property listed below. For example, the typical homeowner policy contains a special limit of $200 on coins and $1000 limit for the theft of jewelry, watches, and furs. While these types of property may be insured on a separate Inland Marine Policy, MMG Insurance Company also has the flexibility to "schedule" most of our Inland Marine classes directly on to your Homeowner or Farm owner Policy. This approach provides an advantage due to availability of additional policy credits as well as the convenience of one policy and bill.

MMG Insurance Company has many classes of property that may be insured under an Inland Marine Policy. These include:

	Jewelry
	Fine Arts
	Furs
	Camera Equipment
	Golf Carts and Golfer’s Equipment
	Musical Instruments
	Silverware
	Stamp or Coin Collections
	Guns or Firearms
	Private-use Tractors
	Livestock (including cows and cattle, sheep, hogs, horses, and mules)
	Mobile Farm Equipment

This partial list represents some of the eligible types of property that can be "scheduled" or covered under a Personal Inland Marine Policy. Each of these classes is subject to individual underwriting and eligibility guidelines. Contact your local Independent Insurance Agent to determine if a Personal Inland Marine Policy is appropriate for you.

The program features and coverage described throughout this site are in the broadest and most general terms. It is our intention to provide a summary of the product and/or examples of available options. Contractual coverage is stated in the actual forms and endorsements attached to individualized policies. Some coverages may be subject to policy limitations, exclusions and/or conditions. Specific policy language supercedes any and all representations contained in this site. For specific coverage details and policy exclusions, refer to the MMG Insurance Company Policy or contact your local Independent Insurance Agency.