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Personal-Auto

Personal Auto policies cover damage to or theft of your vehicle, protect you in the event you injure others or damage their property in an auto accident, and pay for the treatment of injuries.

Optional car insurance coverages include:

  • Towing
  • Rental reimbursement
  • Pet coverage (for pets injured in auto accidents)
  • Lease or loan gap coverage

Points to consider:

  • Does your current policy restrict coverage for inexperienced drivers?
  • Are you protected when you drive a rented or borrowed car?
  • Are you protected if you are injured by an uninsured or underinsured driver?
  • Consider the cost of insurance before you buy your next car.
  • Are you taking advantage of every available discount?
  • Not all auto insurance policies are the same. Hortica will help you make a good choice.

Learn More

Plain and simple: if you own a car, you need car insurance – it’s the law. But just because it’s something you need doesn’t mean you should settle for just any insurance provider. You deserve to work with a provider who knows the business and can work with you to get the right amount of coverage for the right price, without jumping through any hoops. And for that, you need Hortica.


There’s a lot that goes into choosing what type of and how much car insurance is right for you – and Hortica can help you make sense of it all. Sure, you’ve probably considered the basics, such as how much your car would cost to replace and how much you’re comfortable with as far as personal injury protection – but there’s a lot more to it than that. What if you have an accident driving a vehicle that’s not yours? What if someone is injured in your vehicle, but they’re not on your insurance policy? What’s the protocol for letting permit drivers learn in your vehicle? Hortica believes that there are simply too many “what ifs” involved with driving to take a decision like car insurance lightly – and yet, too many people fail to ask these questions when purchasing their personal auto policy.


Hortica wants to help you answer all of those “what ifs,” and determine how to proceed in a way that makes sure you’re protected and within your budget. We know that every driver is different, and your insurance policy will reflect that. We offer personal auto coverage solutions ranging from state-mandated minimums to full coverage with all the bells and whistles, and can work with you to find a coverage combination anywhere on that spectrum.


You already know you can trust Hortica to trust your business. Why not work with a provider you already know and trust to protect your personal vehicle as well? Ask a Hortica representative about our bundle savings – and we’ll get you on the road to having car insurance you can rely on. We want to make sure you’re confident that you know exactly what your policy includes, that you’re taking advantage of every discount, and most importantly, that you’re protected.