The term "personal lines insurance" refers to a conventional, all-inclusive insurance policy that consumers purchase to safeguard their personal possessions. All homeowners, automobile owners, computer owners, owners of small boats, and owners of personal accident insurance and personal liability insurance are protected by these policies. These policies also cover those who have personal liability insurance.There are many reasons why a personal lines insurance coverage must be provided quickly: To be successful, insurance must satisfy the insured's needs. Is your company properly insured in case of a disaster? What policy did the insured choose and is it covered by the insurer? Excess coverage must meet the following criteria: Exclusions An insurance contract or policy is finished when both parties (proposer or customer and insurer) agree to be bound by its terms and conditions. Both the prospective policyholder and the insurer must make an offer (proposal) before the transaction may proceed. By issuing a policy, the insurer has consented to accept it