Personal Insurance

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What Does Personal Insurance Cover?

What is Personal Property Insurance?

Personal property insurance is a term that encompasses several different types of insurance that vary by the kind of property you are insuring:

  • Home
  • Rental Property
  • Vacation
  • Auto/Vehicle
  • Boat
  • ATV
  • Personal liability umbrella

Types of Coverage

All Risk (also called Comprehensive Coverage or open perils coverage)  offers broad protection and covers all perils unless they are specifically excluded by the policy. One type of exclusion would be floods.

Named Perils (also called Specified Perils Coverage) offers more specific protection than an all risk policy and covers only those perils specifically named under the policy. When purchasing a policy that provides named perils coverage only, it is important to make certain that the policy provides coverage for the kinds of perils that would most pertain to you.

Claims Settlement

Replacement Cost coverage pays for all necessary expenses associated with rebuilding or repairing damaged property, up to the policy limits, less any applicable deductible amount.

Actual Cash Value coverage factors in depreciation costs to your claim and pays you the costs to replace or repair the damaged property, less this depreciation and less any applicable deductible amount.


Personal Insurance

Insurance is an essential part of your family’s security. The Meyer-Peltier Insurance Agency and All County Agency has been helping homeowners protect their assets since 1974.

Commercial Insurance

Getting the right insurance for your business can seem complicated. Our agents are here to guide you through the process and to help find the right insurance package for your business.

Life & Health Insurance

We have health plans to fit the needs of individuals and families. Navigating the health insurance world is not easy. It’s important to have an agent you can trust on your side.

Other Insurance

Unexpected things happen as you’re living your life. That’s why it’s important to look at the full scope of your insurance needs. Two areas of miscellaneous insurance we provide are pet insurance and identity theft insurance.

Meyer-Peltier Insurance is a full-service agency providing personal and commercial insurance.



Monday - Thurs: 8am-4pm
Friday: 8am-12pm


1549 Livingston Ave #102
West St. Paul, MN 55075