Coverage
What each policy covers, and what it doesn't.
Every plan below lists its exclusions next to its benefits, so there are no surprises when you file a claim.
Auto from $68/mo
Covered- Injuries and damage you cause
- Collision repairs
- Theft, hail, flood, deer
- Uninsured drivers
Not covered- Normal wear and tear
- Rideshare driving (add-on)
- Items stolen from the car
Homeowners from $84/mo
Covered- Rebuilding your home
- Belongings at replacement cost
- Hotel costs while repairs run
- Guest injuries
Not covered- Flood (separate policy)
- Earthquake (add-on)
- Slow leaks and mold
Renters from $11/mo
Covered- Your belongings, anywhere
- Liability if a guest is hurt
- Temporary housing
Not covered- The building itself
- Roommates' belongings
Motorcycle from $24/mo
Covered- Liability and collision
- Custom parts up to $3,000
- Riding gear
Not covered- Track days and racing
- Off-road use (add-on)
Term life from $19/mo
Covered- Lump sum to your family
- 10, 20 or 30-year terms
- Most causes of death
Not covered- Cash value (that's whole life)
- First-2-year suicide clause
Pet from $22/mo
Covered- Accidents and illness
- Surgery, X-rays, meds
- Emergency vet visits
Not covered- Pre-existing conditions
- Routine checkups (add-on)
Umbrella from $15/mo
Covered- $1M+ above your auto and home limits
- Libel and slander claims
Not covered- Your own injuries
- Business activities
Small business from $39/mo
Covered- General liability
- Equipment and inventory
- Lost income after a covered loss
Not covered- Employee injuries (workers' comp)
- Professional errors (E&O)
Auto plans compared
Three levels. Same agent.
| Feature | Basic | Standard | Plus |
|---|
| Liability limits | 50 / 100 / 50 | 100 / 300 / 100 | 250 / 500 / 250 |
| Collision & comprehensive | Optional | Included | Included |
| Roadside assistance | — | 25 mi tow | 100 mi tow |
| Rental car | — | $40/day | $60/day |
| New-car replacement | — | — | First 2 years |
| Typical monthly price | $68 | $104 | $139 |
Prices shown for a 35-year-old driver with a clean record in ZIP 37203. Yours will differ.