Homeowners Insurance Homeowners
People who own the home they live in · Owners of a second or vacation home
Coverage for primary homes, secondary homes, seasonal homes, condos, and rental properties.
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Personal Lines
Auto Insurance Auto
Protection for cars, motorcycles, motorhomes, and recreational vehicles.
Auto insurance pays when a vehicle you drive causes injury or damage — and, if you choose the right coverages, when your own vehicle is wrecked, stolen, or damaged by weather.
How it works
A personal auto policy is built in layers. Liability pays other people if you cause an accident. Collision pays to repair your vehicle after a crash. Comprehensive pays for non-crash damage such as hail, theft, or hitting an animal. Uninsured and underinsured motorist coverage helps if the other driver has little or no insurance. We also look at motorcycles, motorhomes, and recreational vehicles, which often need their own forms instead of being forced onto a regular car policy. Multi-car households can often package vehicles together for simpler billing and better pricing.
Who this is for
- Anyone who owns or regularly drives a personal vehicle
- Households with several cars
- Motorcycle, motorhome, and RV owners
- New drivers being added to a family policy
What it typically covers
- Injuries and property damage you cause to others
- Damage to your own vehicle, if you carry those coverages
- Hit-and-run or uninsured driver situations
- Certain roadside or rental-car options, when added
A simple example
You are rear-ended at a light and the other driver has only minimum limits. Your medical bills and car repairs can exceed what they carry. Uninsured/underinsured coverage on your policy is what fills that gap.
Good to know
- A personal auto policy is usually the wrong place for a vehicle titled to a business or used mainly for deliveries.
- Deductibles and liability limits should match what you can actually afford to pay out of pocket.
Coverage, eligibility, and terms vary by location and underwriting.
Guides
Read this before you quote or apply.
Guide
When a work vehicle needs commercial auto, not a personal policy
Title, use, deliveries, and hired/non-owned coverage — the points where a personal auto policy usually stops.
Read guideGuide
What to review before a homeowners insurance renewal
Rebuild cost, roof, water, deductibles, and the flood gap that a standard HO-3 never fills.
Read guide