Coverage

What we protect

Every policy is built around you. Here’s what each line usually includes. Your agent will walk through limits and options before you decide anything.

Auto

Protection for the cars you drive every day, from a single commuter to a household with a brand-new teen driver.

Good for: individual drivers, families with teen drivers, multi-car households

Liability: Injuries and property damage you cause to others. Required in most states.
Collision: Repairs to your own vehicle after an accident.
Comprehensive: Theft, hail, fire, flooding, vandalism and animal strikes.
Uninsured motorist: Covers you when the other driver can’t pay.
Medical payments: Medical bills for you and your passengers.
Roadside & rental: Towing, lockouts and a rental while yours is in the shop.

Coverage sized to what it would really cost to rebuild, not just what you paid, and the belongings you keep there.

Good for: homeowners, renters, condo owners and landlords

Dwelling: Rebuilds the structure of your home after a covered loss.
Other structures: Detached garages, fences and sheds.
Personal property: Furniture, electronics, clothing and valuables.
Loss of use: Living expenses if you can’t stay home during repairs.
Personal liability: If someone is hurt on your property or you damage theirs.
Flood: Usually a separate policy. We’ll tell you if you need it.

Make sure the people who count on you are taken care of, in plain language and without pressure.

Good for: young families, new homeowners, business owners planning ahead

Term life: Affordable coverage for a set period, like the years your mortgage runs.
Whole life: Permanent coverage with level premiums that builds cash value.
Universal life: Permanent coverage with flexible premiums and benefit amounts.
Final expense: A smaller policy for funeral and end-of-life costs.

Coverage for the risks that come with running a business, packaged so you’re not paying twice for the same protection.

General liability: Customer injuries, property damage and advertising claims.
Commercial property: Your building, equipment, inventory and furnishings.
Business owner’s policy: Liability and property bundled for small businesses.
Workers’ comp: Employee injuries on the job. Required in most states.
Commercial auto: Vehicles your business owns or uses.
Professional liability: Claims of mistakes or negligence in the services you provide.

Better together

We’ll quote your policies bundled and separately so you can see which actually saves more.