Four policies, and exactly what each one does.

Here's every product we sell, written the way we'd explain it across a kitchen table. What's covered is a list. What isn't is also a list — right next to it, so there are no surprises the day you file.

Every policy fits on two pages Prices shown are real starting rates Bundle two, save up to 18%

Home & renters

Your building, everything inside it, and the people who get hurt on your steps — rebuilt at what it costs today, not what you paid.

$41/mo — typical 3-bed home

What's covered

Fire, storm, water & theft — the four things that actually happen to houses
Full rebuild at today's prices — no depreciation haircut on the structure
Somewhere to sleep — hotel and meals covered if your home is unliveable
Your stuff, anywhere — a stolen laptop is covered even off the property
Someone hurt on your property — up to $300k liability, legal costs included

What isn't

Flood & earthquake — separate policies in most states; we'll quote them alongside
Wear and tear — a roof that simply got old isn't a claim
Pest damage — termites and rodents are maintenance, not accidents
Anything deliberate — damage you cause on purpose is never covered

Standard deductible $500. Higher deductibles lower your monthly price — your quote shows both. Get a home quote →

Auto

Your car, the other driver's car, and the tow truck at 2am. Full cover with accident forgiveness built in from your first day.

$68/mo — full coverage

What's covered

Collision & the other driver — your repairs and their bumper both handled
Accident forgiveness, year one — your first at-fault claim won't raise your rate
Roadside help included — tow, jump-start, flat, lockout, at no extra charge
A rental while yours is in the shop — up to 30 days
Uninsured drivers — you're covered even when the other party isn't

What isn't

Racing or track days — closed-course driving needs specialist cover
Rideshare & delivery — driving for pay needs a commercial add-on
Normal upkeep — brakes, tyres and servicing aren't claims
Named exclusions — anyone you list as an excluded driver isn't covered

Safe-driver and paperless discounts apply automatically. Telematics is optional, never required. Get an auto quote →

Term life

A number that lands in your family's account, tax-free, if the worst happens. The rate you're quoted is locked for the whole term.

$19/mo — $500k, 20-yr term

What's covered

10, 20 or 30-year terms — pick the years your family needs the cover
No medical exam under $1M — a few health questions, no needles
Rate locked for the term — your premium can't rise mid-term
Paid tax-free, fast — a lump sum to whoever you name, usually within days
Convert later — switch to a permanent policy without a new exam

What isn't

Undisclosed conditions — answers must be honest or a claim can be denied
Cover after the term ends — a 20-year term stops at year 20 unless renewed
Cash value — term life is pure protection, not a savings product
The first two years, if concealed — standard suicide/contestability clause applies

Non-smoker rates shown. Existing conditions don't automatically disqualify you — ask an agent. Get a life quote →

Small business

For the shop, the studio, the two-van crew. Liability, the equipment inside, and your income if you're forced to close for a while.

$54/mo — small storefront

What's covered

General & professional liability — a customer's injury or your advice going wrong
Equipment, stock & premises — the tools and the space you work in
Business interruption — lost income covered if you have to close after a claim
Goods in transit — stock is covered on the van, not just in the shop
Employees — workers' comp available as an add-on where required

What isn't

Professional licences — insurance doesn't replace the permits your trade needs
Employee dishonesty — theft by staff needs a separate crime add-on
Cyber & data breach — available, but not included in the base policy
Known prior claims — issues you already knew about before cover started

Cover scales with your revenue band. Tell us what you do and we'll size it — no over-selling. Get a business quote →

Side by side

The four policies at a glance

Starting prices and the headline terms, in one place. Your actual price depends on where you live and what you're covering.

Policy	From	Deductible	Roadside / extras	Rate holds after 1 claim
Home & renters	$41/mo	From $500	Loss-of-use hotel & meals	Yes
Auto	$68/mo	From $250	Roadside & rental included	Yes
Term life	$19/mo	None	No exam under $1M	Rate locked
Small business	$54/mo	From $500	Business-interruption cover	Yes

Prices are illustrative starting rates for a standard risk in an average state and aren't a quote. Coverage, discounts and rates vary by state and are subject to underwriting. This page is a summary — the policy governs.

Not sure which cover you need?

Answer a few questions and we'll show you a price for each — three minutes, no credit check, nothing binding.

Get a quote Or call (800) 555-0142