Homeowners Insurance
Structure, contents, liability and the cost of living elsewhere while repairs happen.
Read more →Personal Insurance
Auto Insurance
Liability, collision and comprehensive cover for the cars on your driveway.
What this cover does
Auto cover does two jobs at once: it pays for harm you cause to other people and their property, and it repairs or replaces your own vehicle. Every state sets its own minimum liability limits, and those minimums are almost always lower than what a serious accident actually costs.
Typically included
- Bodily injury and property damage liability
- Collision damage to your own vehicle
- Comprehensive — theft, fire, hail, flood, falling objects, animal strikes
- Uninsured and underinsured motorist cover
- Medical payments or personal injury protection, depending on the state
Common add-ons
- New-car replacement in the first model year
- Gap cover where you owe more than the car is worth
- Rental reimbursement while yours is in the shop
- Roadside assistance and towing
- Rideshare cover if you drive for a platform
- Accident forgiveness on a clean record
Questions
What people ask about auto
Is the state minimum enough?
Rarely. State minimums are a floor set decades ago in many cases. A single hospital stay can exhaust a 25,000 dollar bodily-injury limit in days, and anything above the limit comes out of your own assets. We quote the minimum so you can see it, then show what higher limits cost.
Does my policy cover someone else driving my car?
Usually yes — cover generally follows the vehicle for a licensed driver you gave permission to. Regular drivers in your household should be listed on the policy rather than relying on permissive use.
What happens to my premium after a claim?
It depends on fault, claim type and your record. A comprehensive claim such as hail damage is treated differently from an at-fault collision. We tell you the likely effect before you file.
Often taken together
Related cover
Condo Insurance
The gap between where the association master policy stops and your front door begins.
Read more →Quote Auto Insurance
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.