Smart Personal Coverage for Home, Auto, and Everything in Between

Customized Coverage for Every Stage of Life

lst insurance agency

From protecting your home to insuring your daily commute, the right personal insurance provides peace of mind in a world full of risks. At LST Insurance, we help individuals and families protect what matters most with affordable, customizable policies for home, auto, property, and liability.

Whether you rent a condo, drive an SUV, own a boat, or run a business from your basement, we tailor coverage to fit your lifestyle, assets, and future goals.

Types of Personal Insurance Coverage

Homeowners & Property Insurance

LST helps protect your residence and personal belongings from unexpected damage, theft, or liability.

Homeowners Insurance

Covers your home’s structure, contents, and personal liability.

Condo Insurance

rotects the interior of your unit, personal items, and liability.

Renters Insurance

Covers your personal belongings and liability as a tenant.

Landlord Insurance

Provides property and liability protection for rental properties.

Flood Insurance

Covers water damage from flooding (NFIP or private market).

Earthquake Insurance

Offers structural and contents coverage after seismic activity.

Umbrella Liability

Extends liability coverage beyond standard home or auto policies.

Personal Articles Floater

Scheduled coverage for high-value items like jewelry, art, or collectibles.

Auto & Vehicle Insurance

LST covers cars, motorcycles, boats, RVs, and more — along with essential extras.

Personal Auto Insurance

Liability, collision, and comprehensive coverage for cars and trucks.

Motorcycle Insurance

Covers your bike and accessories in the event of an accident or theft.

RV & Camper Insurance

Combines vehicle and living-space coverage for on-the-road protection.

Boat & Watercraft Insurance

Protects against damage, injury, and environmental liability.

ATV & Off-Road Vehicle Insurance

Covers recreational vehicles used off public roads.

Classic & Collector Car Insurance

Agreed-value policies for vintage and rare vehicles.

Rideshare Endorsement

Adds coverage for Uber, Lyft, or delivery drivers.

Gap Coverage

Pays the difference between vehicle value and loan balance.

Specialty & Personal Liability

Protect your personal finances and lifestyle from unexpected liability or loss.

Umbrella Insurance

Extra liability protection that covers large claims or lawsuits.

Personal Liability

Covers accidental injuries or property damage to others.

Travel Insurance

Offers coverage for trip cancellation, lost baggage, or medical emergencies.

Home Business Endorsements

Extends protection to small businesses operated from home.

Essential Protection for Individuals & Families

Life comes with a wide range of risks — from home damage and auto accidents to unexpected medical costs, personal liability, and everyday uncertainties that can disrupt your financial stability. At LST Insurance, we help safeguard what matters most with a comprehensive mix of home insurance, auto insurance, personal liability coverage, and tailored protection designed for your lifestyle.

Whether you’re a homeowner, renter, driver, or someone looking to secure long-term financial peace of mind, the right insurance program is essential to protecting your assets and supporting your family’s future.

Below is a breakdown of the core coverages individuals and families rely on to safeguard their homes, vehicles, personal belongings, and overall well-being.

Why LST Insurance Agency

Why Families and Individuals Trust LST Insurance

Personalized policy reviews tailored to your lifestyle and property

Coverage for homes, autos, valuables, travel, and liability

Access to top-rated insurance carriers

Responsive service and claims support when you need it most

Get a Personalized Insurance Plan Today

Whether you’re insuring your first apartment or covering your family’s vehicles and home, LST Insurance helps you stay protected through every season of life. Let’s find a plan that fits your needs and your budget.

Request your quote today or speak with a personal insurance advisor.