A clearer look, side by side
Compare coverage types to understand their purpose. This is an educational comparison, not a comparison of policy offers or prices.
Coverage for driving-related risks.
Depending on the policy: liability, collision damage, theft and other covered losses.
Liability limits, deductibles, exclusions and optional coverages.
Which drivers and vehicles are listed? What happens after a covered accident?
View guideCoverage for a home you own.
Depending on the policy: the dwelling, belongings, liability and additional living expenses.
Rebuilding limits, deductibles, exclusions and separate flood or earthquake needs.
How is rebuilding cost determined? Which causes of loss are excluded?
View guideCoverage for people who rent their home.
Depending on the policy: belongings, personal liability and additional living expenses.
Personal property limits, replacement cost terms and deductibles.
Are my belongings covered away from home? What proof of ownership is needed?
View guideA benefit for beneficiaries after a covered death.
A death benefit under the policy terms. Term and permanent policies work differently.
Term length, premiums, exclusions, benefit amount and any cash value terms.
How long does coverage last? Can premiums change?
View guideCoverage for risks associated with running a business.
Depending on the policy: general liability, property, professional liability or other business risks.
Business activities covered, limits, exclusions and industry-specific needs.
Which activities and locations are covered? What separate policies may be needed?
View guideCoverage for eligible veterinary expenses.
Depending on the policy: eligible accidents and illnesses; wellness may be separate.
Waiting periods, exclusions, reimbursement rates, deductibles and annual limits.
How are pre-existing conditions handled? How does reimbursement work?
View guideNo premiums are shown. A licensed local agent is who prepares a real quote.