Life happens fast, and the truth is there’s nothing as valuable as peace of mind. Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget. 

At Mackoul Risk Solutions, we’ll help you get the insurance coverage that fits your priorities and puts your mind at ease. Whether you need coverage for your home, auto, valuables or you need a personal umbrella policy, we can custom-design a personal insurance program that is tailored to meet your specific needs. We’ll take the time to ask the right questions and we’ll select a reputable insurance carrier to protect you from the unexpected.

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Home Insurance

Your home is your castle and for many people this means insuring their largest asset. Home insurance provides protection for you and your family for a multitude of both property and liability coverages in one package policy. There are different kinds of homeowners policies and some insurance forms are more comprehensive than others. We’re here to help you figure out which is right for you.

Cooperative/Condominium Home Insurance

Cooperative/condominium owners face different challenges and exposures than those who own traditional homes. At Mackoul we have the knowledge to help you understand Cooperative/Condominium Homeowners Insurance. We’ll help you understand both your obligations as a unit owner and the association’s obligations in providing appropriate insurance protection, and we’ll design the right plan to fit your needs.

Renters Insurance

Just because you don’t own the property, does not mean you can’t protect your valuables and belongings. Renters Insurance provides coverage for your personal property, and protects you against claims for bodily injury or property damage caused by your negligence.

Car Insurance

When it comes to car insurance, you want to make sure you have the right protection at an affordable price. With our large selection of reputable, national, and regional insurance companies, we will assess your requirements and together choose the plan that is best for you and/or your family.

Watercraft Insurance

A personal watercraft provides hours of fun on the water to you, your friends, and your family. Your PWC also represents a significant financial investment, worthy of protecting from unforeseen hazards. Watercraft Insurance gives you peace of mind knowing that you are protected legally and financially if your watercraft is involved in an accident or damaged by fire, theft, vandalism, wind, hail, or other weather related occurrences.

Flood Insurance

Most homeowner insurance policies do not cover flood damage. We can offer options to help you protect your home from rising waters - even if you’re not in a flood zone.

Personal Umbrella Insurance

Home and auto insurance is a must, but sometimes you need an extra layer of liability protection for your assets if there’s a serious auto accident or accident on your property. Otherwise, you could be liable for more than your current auto or homeowners coverage limits. Personal Umbrella Insurance is designed to cover catastrophic situations where a legal award could exceed the limits of your primary liability insurance.

Personal Articles Floater Insurance

Typical homeowners policies have limits on the dollar amount covered toward loss or damage of valuables. Our personal articles floater insurance is a separate rider or endorsement that can be added to your homeowners policy, offering protection against risk of damage or direct physical loss for jewelry, furs, fine arts, musical instruments, collectibles and most other valuable personal property.

Individual Life Insurance

Individual Life Insurance gives you piece of mind, knowing you’ve helped protect your loved ones when you can no longer be there for them. It’s the foundation when planning for your family’s financial security. Individual Life Insurance is traditionally known as the payment of a sum of money to a designated beneficiary upon the death of the insured person. However, depending on the policy, other events such as terminal illness or critical illness may also result in payment.

Long-Term Disability Insurance

Life is full of surprises, and sometimes they’re not all good surprises. If you miss work due to an injury or illness, Long-Term Disability Insurance can help replace a portion of your lost wages for an extended period of time – allowing you to maintain your standard of living.

Long-Term Care Insurance

When life takes an unexpected turn, you need to make sure you can protect your assets, your independence, and your family’s well-being. Long-Term Care Insurance helps pay for the care you need when you can no longer care for yourself. It may protect your family’s financial future and your own investments and savings.