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Individuals & Families

How Insurance Protects You


Silver Lining Insurance Agency (SLIA) helps protect that which is most important to you. From the homes in which you live to your precious heirlooms, and the possessions you have accumulated over a lifetime. No matter your stage in life, whether you are striving to build your wealth or preparing to pass it on, SLIA will guide you through planning for the unexpected and make sure you have the protections in place that are right for you and your family.


Personal insurance protection is any type of coverage that you secure to protect you and your family from financial loss. This includes individual risks such as accidents, illnesses, death, or property damage. There are many different types of personal insurance – the most common are automobile, homeowners, flood, life, and health. We recognize that everyone’s needs are not the same, which is why we strive to find the insurance solution that is right for you.

Our 30+ years of industry experience, the partnerships we have developed with many well-known and specialty insurance companies, and our strong passion for insurance, allow us to provide you with superior insurance choices, unparalleled service, and invaluable expertise. Our new mobile app is another part of our commitment to providing our clients with the flexibility to manage their insurance and access their information at any time. You need an advocate who can properly assess the unique risks you face and give you an objective analysis so that you can make the right decisions for yourself and your family. We want to make sure that you are protected from the unexpected. Take a look at each of the personal insurance policy types we offer below.

Homeowners coverage provides financial protection against loss due to disasters, theft, and accidents. It protects your property, the people in it, and your belongings.

  • Condo
  • Co-Op
  • Rental
  • Rented to Others
  • Single Family
  • Valuable Articles/Collections

Flooding can happen anywhere and anytime.  A standard homeowners policy does not cover flood damage.  Flood insurance is a separate policy that covers your home and the contents.

Financial planning is the foundation of your financial future.  It is the process of taking a comprehensive look at your financial situation and building a specific financial plan to reach your goals. Financial advice to protect your wealth and plan for the future through a variety of service offerings.

  • Disability Buyout
  • Disability Insurance
  • Disability Overhead
  • Health Insurance
  • Life Insurance
  • Long Term Care
  • Permanent Insurance
  • Reducing Term Disability
  • Retirement Planning
  • Special Needs Planning
  • Term Insurance

Although required by most states, auto insurance coverage can be customized to suit your specific wants and protect you from financial loss in the event of an accident or theft. It protects you, your family, your passengers, and other drivers.

  • Automobile
  • Classic/ Antique
  • Motorcycle
  • RV

Umbrella insurance is an important type of personal liability coverage.  It provides additional liability levels that are above standard homeowners, auto, or watercraft policy coverages. 

Watercraft insurance protects against damages to vessels powered by a motor that has a horsepower of at least 25 mph. It insures you and your personal watercraft against accidents, vandalism, and liability

  • Boat
  • Jet Ski
  • Yacht

SLIA proudly blends dedicated personal attention, industry knowledge, and the convenience of the latest technology to provide you, our clients, with the risk management guidance needed.

"In the few years that we’ve worked together, I’ve found Michael Silverman to be a knowledgeable advisor, straight-shooter and trustworthy financial ally."
Brian K.
"Michael is among the most responsive and helpful professionals I have ever worked with. He is always quick to respond, support, and guide his customers. We feel so fortunate to have found him and thankful for his guidance with all of our insurance needs. Five-star service. Thank you, Michael!"
Sara D.
"I have ALWAYS valued my relationship with Michael. Over the years, as I struggled to get back on my feet after the 2008 collapse of my business AND personal life, Michael and his team were there for me. I’ll NEVER forget all they did during that LONG rough patch!! God Bless and I wish Michael and his team all the best in their new agency!!"
John H.
"My husband and I have all our personal insurance with Michael and his team. This past year we needed help handling an important issue and even though it required a lot of time and we had many questions, we always received immediate answers, a lot of support, and helpful follow-up. The responsiveness and customer focus are outstanding and we couldn’t be happier!"
Debbie L.
"I got my very first insurance policy through Michael! He was so helpful with all of my questions and very patient in explaining things to me that I didn’t understand.
Thank you!"
Marisa P.
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