You earned it. We can help protect it.
As your personal insurance advisor we offer a comprehensive policy analysis. As your lifestyle changes, your personal insurance policies should change with you. Based on our review, we are able to identify your personal risk exposures and customize solutions to meet your individual needs. Brown & Brown of Lehigh Valley works with the top regional, national, and international insurance providers of personal insurance products. This allows you to choose from a wide range of products, services, companies, and coverages that are right for you and your budget.
We understand that insurance is ot the same for everyone. When it comes to having the right insurance coverage, knowledge about you, your family and your needs allow our team to work with you to design a comprehensive program exclusively safeguard what you value most.
High-net-worth individuals often accumulate a wide range of valuable possessions and property – and with them substantial exposure to financial loss. Too often, not enough thought is given to the value, protection, and possible replacement of upscale homes, luxury vehicles, rate and fine art, and jewelry collections, aircraft, and watercraft. We specialize in personal insurance for high-net-worth individuals with complex insurance needs and our Private Client team can help you understand your personal exposures to loss in order to customize your insurance portfolio and risk managment plan.
Meet the Team
Rachael Nardella and Michelle Millinger are the two seasoned producers on the personal lines team. Together with their in-house service team and after-hour service centers, they are here to assist with any of your policy needs. Customers are offered annual policy reviews either in person, or via telephone, to ensure coverage is accurate and up to date. Claims are reported direct through the individual carrier and have local adjusters in the field. We are here to act as your advocate in the event additional assistance is required. Service is a number one priority here at Brown & Brown of Lehigh Valley.
Personal Insurance Advisor
Read about Michelle here
Michelle began her insurance career in 2001. She is licensed in multiple states in Property & Casualty & Life and Health. Her insurance career began as an account manager with an independent Allstate agency in Allentown, PA. She was hired in September of 2001 and obtained her property and casualty license in 2002. She then parted ways with the agency when she was hired by Brown & Brown of Lehigh Valley in September of 2008 and obtained her life and health license in 2015.
Michelle has been advising clients and working in the personal lines sales team since she came aboard. She continued her insurance education and obtained several designations to specialize in the affluent market such as CISR, CPRM and CPRIA.
Michelle resides in Breinigsville, PA with her husband Sandy and their 2 children Dante and Lincoln. In her free time, Michelle enjoys spending time with her family and friends, cooking, working out, listening to music, and dancing.
Personal Insurance Advisor
Read about Rachael here
Rachael began her insurance career in 2009. Over the years she has developed an expertise in all lines of personal insurance. This includes coverage for home, automobile, recreational vehicles, personal articles, excess liability, and much more. She is licensed to sell property, casualty, and life insurance in almost all 50 states.
Rachael is a graduate of Easton Area High School, class of 2006. Her insurance career started with Brown and Brown where she began as a technical assistant on the personal lines team. Shortly thereafter she was promoted to account manager and in 2012 became a member of the sales team. She continued her insurance education to obtain several designations, such as CISR, CIC, CPRIA, and CPRM.
Rachael resides in Bethlehem, PA with her husband Dominic. In her free time, Rachael enjoys spending time with her family and friends, fashion, fitness, and vacationing to Disney World.
Our Personal Lines Products include:
- Homeowner, Condominium, Co-Op, Mobile Home, and Renters
- Secondary, Seasonal, Coastal, and Rental Properties
- Valuable Articles/Collections, i.e. jewelry, artwork, coins, stamps
- Automobiles, including antique and classic cars
- Recreational Vehicles, including motorcycles, ATVs, snowmobiles, travel trailers, motorhomes
- Watercrafts, including yachts
- Personal Excess Liability & Umbrella
- Flood, including excess
2020 Hurricane Preparation Guide – for Businesses, Homeowners & Boaters
Brown & Brown of Lehigh Valley can offer protection for individuals at any stage of their life; from the renter, to first time home buyers, to the highly successful individuals. In addition to your primary residence, we are able to insure any rentals, seasonal, secondary, international, and coastal properties you may own. We insure properties to their full replacement value which is designed to make you whole in the event of a total loss. Some providers offer guaranteed replacement value or a cash-out option if you choose not to rebuild. Additional coverages such as sinkhole, water back-up, personal injury, flood, and identity fraud can often be overlooked. Certain type of losses are not automatically insured against under the basic homeowner form and need to be endorsed on the policy. Unfortunately, customers usually find that out when it comes time to submit a claim.
Did you know the things you are passionate about collecting may need to be insured on a separate policy? Sometimes your homeowner’s insurance isn’t enough. Limits on certain types of collections are built in to the homeowner policy, and we can recognize the difference. Some examples of collections include, but are not limited to jewelry, furs, fine arts, coins, stamps, firearms, wine, and collector vehicles. These items can be insured for their agreed value ensuring no depreciation is factored in if a loss occurs.
Our automobile products feature coverages such as new car replacement, loan/lease coverage, deductible waivers, diminishing deductible, first accident forgiveness, and agreed value. Some of our carriers allow credits for occupation, education, good student, driver training, and more.
Personal Excess Liability
Have you ever asked yourself how much of your net worth are you willing to leave exposed? We have the capability to provide liability protection to protect you and your assets in the event of a lawsuit. Most policies allow a maximum liability limit of $500,000. In today’s society that is not nearly enough. The personal excess liability policies start at $1,000,000, and can range as high as $100,000,000 depending on the carrier.
A Personal Umbrella Policy provides additional limits of liability to protect against a catastrophic liability loss. It provides liability coverage that stacks on top of the primary liability coverage provided by a homeowner’s policy, personal auto policy, watercraft policy, and any other scheduled underlying liability policy. It provides coverage for bodily injury, property damage, and personal injury (libel, slander, false arrest, invasion of privacy, etc.). A personal umbrella policy may also fill some gaps in coverage over a specified deductible in the underlying policy.
Most customers own some type of recreational vehicle that is uninsured. Types of vehicles may include snowmobiles, ATVs, jet skis, motorcycles, motorhomes, and watercrafts. We can provide liability and physical damage coverage for these types of risks. We can also provide vacation liability for your travel trailer.
In addition to all of the physical possessions we can protect, we can also recommend a life insurance product that is right for you. Products include term, whole, and universal life. An advantage to placing all of your coverage with one insurance agency is that we get to know you and all of your insurance needs. Our advisors specialize in recognizing when you have outgrown your current policy and it’s time for a change. Together they can work with any other advisor in your life such as financial advisors, family offices, and attorneys to make sure you are protected from all angles.
Speak with one of our Brown & Brown Advisors.
Built to Last. ™
There is hardly a business, industrial or professional insurance situation that has not presented itself to Brown & Brown of Lehigh Valley – our commercial customers include General Business and Construction, Health and Human Services (including Child Welfare and Schools), Transportation and Towing, Community Associations, Governmental Entities, and Religious Institutions. And on a more personal note, insurance is available for your home and autos, recreational vehicles and watercraft, fine art, jewelry and other collectables.