Coverage
Coverage, explained plainly.
General information to help you understand your options. What a policy actually covers depends on the policy and the carrier — ask us anything.
Auto insurance
Who it is for
Anyone who drives — from a first car to a household with several drivers.
What it typically covers
- Liability: injury or property damage you cause to others.
- Collision: damage to your own car from a crash.
- Comprehensive: theft, weather and other non-crash damage.
- Uninsured or underinsured motorist protection.
- Medical payments for you and your passengers.
Drivers are generally required to carry some form of auto insurance. We can explain what applies to you.
Home insurance
Who it is for
Homeowners who want to protect the house, what is in it, and their household.
What it typically covers
- The structure of your home.
- Other structures, such as a garage or fence.
- Personal belongings: furniture, clothing, electronics.
- Liability if someone is hurt on your property.
- Additional living expenses if a covered loss means you cannot stay home.
Not sure which type of policy fits your situation? Ask us.
Home + Auto bundle
Who it is for
Households that have both a home and a vehicle and would like one agent looking at the whole picture.
What it typically covers
- Your home policy and your auto policy, reviewed together.
- One point of contact for questions and changes.
- The same coverages described in the Auto and Home sections above.
- A side-by-side look at carrier options for both.
Whether a bundle makes sense depends on the carriers and your situation. We compare, then tell you what we see.
Business insurance
Who it is for
Small business owners, contractors, shops, offices and others who want coverage that matches how they work.
What it typically covers
- General liability: customer injuries or property damage tied to your business.
- Commercial property: your building, equipment and inventory.
- Commercial auto: vehicles used for business.
- Workers’ compensation: employees hurt on the job.
Needs vary by industry. We will ask how your business operates before we compare options.
FAQ
Quick answers.
Do you only work with one insurance company?
No. We are an independent agency, which means we can compare policies from multiple carriers for you.
Can I talk to someone in Spanish?
Yes. Hablamos Español. We are happy to explain everything in whichever language you prefer.
Can I bundle my home and auto insurance?
Yes. We can look at home and auto together, and talk through whether combining them makes sense for you.
What do I need to get a quote?
It depends on the type of coverage. Our quote page has a checklist for each one.
Is this page the same as my policy?
No. This page is general education. Your policy documents define what is actually covered, and we are glad to help you read them.