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Compare insurance quotes side-by-side

Pick your line of coverage and we'll shop it across A-rated carriers with a licensed independent agent — auto, home, life, business, and everything in between.

Sample plan archetypes

24 plans

Real-world benchmark plans by coverage line — use them to gauge premiums, deductibles, and what to expect before you request quotes.

Auto

Essential Full Coverage Auto
standard
Financed vehicle owners needing comprehensive and collision protection.
$145$210 /mo
Deductible
$500
Network
multi-carrier shop
  • Liability limits exceeding state minimums
  • Comprehensive and collision included
  • Uninsured motorist protection
  • 24/7 roadside assistance
Collector & Classic Car Agreed Value
specialty
Car enthusiasts owning vintage or exotic vehicles that appreciate in value.
$25$85 /mo
Deductible
$250
Network
specialty carrier
  • Agreed Value coverage (no depreciation)
  • Spare parts and restoration coverage
  • Flexible mileage tiers (2,500 to 5,000 miles/yr)
  • Specialized flatbed towing included
State-Minimum Liability Only
basic
Owners of older, high-mileage vehicles who only require legal compliance without physical damage coverage.
$45$85 /mo
Network
multi-carrier shop
  • Bodily Injury and Property Damage coverage
  • Meets all state legal requirements
  • No collision or comprehensive costs
  • Ideal for vehicles valued under $3,000

Home & Property

Suburban Family Home (HO-3)
standard
Owners of single-family detached homes in residential neighborhoods.
$110$185 /mo
Deductible
$1,000
Network
multi-carrier shop
  • Open peril coverage for dwelling
  • Replacement cost for personal property
  • Guest medical payment coverage
  • Loss of use/Additional living expenses
Landlord Rental Property (DP-3)
standard
Real estate investors owning single-family or multi-unit residential rentals.
$85$160 /mo
Deductible
$1,500
Network
multi-carrier shop
  • Loss of Rent coverage during covered repairs
  • Landlord-specific premises liability
  • Open perils protection for the structure
  • Wrongful eviction legal defense coverage
Condo Owners Walls-In (HO-6)
standard
Condominium owners who need to cover personal property and interior improvements.
$35$85 /mo
Deductible
$500
Network
multi-carrier shop
  • Loss Assessment coverage for SHA dues
  • Walls-in structural protection
  • Personal liability for guest injuries
  • Replacement cost for digital assets
Luxury Estate Comprehensive (HO-5)
premium
Owners of high-value properties requiring open-peril coverage for both structures and personal contents.
$350$850 /mo
Deductible
$5,000
Network
specialty carrier
  • Open-peril coverage for personal belongings
  • Higher limits for jewelry, art, and collectibles
  • Guaranteed replacement cost for the dwelling
  • Loss of use coverage with no time limit
Primary Residential Flood Shield
specialty
Homeowners in moderate-to-high risk zones whose standard HO-3 policy excludes water backup and rising water damage.
$65$195 /mo
Deductible
$1,250
Network
specialty carrier
  • Building and contents protection
  • Covers federal and private flood requirements
  • Alternative to FEMA/NFIP programs
  • Replacement cost for personal property

Life

20-Year Level Term Life
term
Parents looking to cover mortgage and education costs during child-rearing years.
$35$65 /mo
Network
single carrier
  • $500,000 fixed death benefit
  • Guaranteed level premiums for 20 years
  • Convertible to permanent life options
  • Accelerated death benefit rider
Senior Final Expense Protection
final-expense
Seniors looking to cover funeral costs and small debts without a medical exam.
$45$115 /mo
Network
single carrier
  • Guaranteed issue options available
  • Fixed premiums that never increase
  • Cash value accumulation over time
  • Simplified underwriting for ages 50-85
Permanent Whole Life & Dividends
whole
Individuals seeking lifetime coverage with a guaranteed death benefit and a tax-advantaged cash savings component.
$185$450 /mo
Network
single carrier
  • Guaranteed level premiums for life
  • Accumulates cash value over time
  • Eligible for annual dividend payments
  • Policy loan accessibility

Business & Commercial

Small Business Owner's Policy (BOP)
bop
Small professional service firms and boutique retail shops.
$55$120 /mo
Deductible
$500
Network
specialty carrier
  • General liability and property combined
  • Business interruption coverage
  • Defense cost coverage for lawsuits
  • Equipment breakdown protection
Professional Liability / E&O
gl
Independent consultants, accountants, and service providers who provide expert advice.
$40$95 /mo
Deductible
$1,000
Network
multi-carrier shop
  • Protection against claims of negligence or errors
  • Legal defense cost coverage outside of limits
  • Worldwide coverage for remote service delivery
  • Retroactive date protection for past work
Gig Worker & Freelancer Liability
basic
Independent contractors and 1099 freelancers working from home or client sites.
$25$55 /mo
Deductible
$250
Network
specialty carrier
  • General liability for home-based offices
  • Equipment coverage for laptops and gear
  • Professional indemnity for consulting errors
  • Month-to-month flexible commitment
Commercial Umbrella Excess Liability
high-limit
Small to mid-sized businesses requiring liability limits beyond their standard BOP or GL policies.
$85$225 /mo
Network
multi-carrier shop
  • Extends limits for General Liability and Auto
  • Covers catastrophic lawsuit judgements
  • Protects business assets and future earnings
  • Worldwide coverage for business operations
Small Team Workers' Compensation
standard
Growing small businesses with W-2 employees that need to meet statutory state disability and injury requirements.
$75$210 /mo
Network
multi-carrier shop
  • Covers employee medical bills from work injuries
  • Lost wage replacement for staff
  • Employer liability protection
  • Regulatory compliance for hiring

Umbrella

Personal Umbrella Excess Liability
umbrella
Homeowners with significant assets or teen drivers.
$15$35 /mo
Network
single carrier
  • $1M in additional liability protection
  • Worldwide coverage for incidents
  • Covers libel, slander, and defamation
  • Pays legal defense costs above base limits

Renters

Modern Renter's Protection
basic
Apartment dwellers needing personal property and liability coverage.
$15$30 /mo
Deductible
$250
Network
multi-carrier shop
  • Personal property theft and fire protection
  • Personal liability for host liquor and pet damage
  • Small-limit replacement cost included
  • Instant digital claim filing

Cyber

Personal Cyber & Identity Shield
cyber
Individuals concerned with online fraud, ransomware, and identity theft.
$8$25 /mo
Deductible
$500
Network
specialty carrier
  • Identity theft restoration services
  • Cyber extortion and ransomware reimbursement
  • Coverage for online fraud losses
  • Social media account recovery support

Pet

Comprehensive Pet Health - Dog/Cat
specialty
Pet owners wanting to mitigate high costs of emergency and chronic veterinary care.
$30$75 /mo
Deductible
$250
OOP max
$10,000
Network
multi-carrier shop
  • Accident and illness coverage included
  • Hereditary and congenital condition support
  • Diagnostic and specialist surgery reimbursement
  • No network restrictions (any licensed vet)

RV/Boat

Recreational Vehicle & Watercraft Bundle
standard
Outdoor enthusiasts owning a motorhome, travel trailer, or mid-sized powerboat.
$45$115 /mo
Deductible
$500
Network
specialty carrier
  • Total loss replacement for newer models
  • Personal effects coverage for gear and electronics
  • Emergency roadside and on-water towing assistance
  • Unattached equipment coverage for trailers

Disability

Individual Income Protection
premium
High-earning professionals looking to safeguard their lifestyle against long-term illness or injury.
$65$185 /mo
Network
single carrier
  • Own-occupation definition of disability
  • Non-cancelable and guaranteed renewable to age 65
  • Partial disability benefits for returning to work
  • Cost of living adjustment (COLA) riders available

Travel

Annual Multi-Trip Premium Travel
premium
Frequent travelers taking multiple international or domestic trips per year.
$20$48 /mo
Network
specialty carrier
  • Emergency medical evacuation coverage
  • Trip cancellation and interruption protection
  • Lost or delayed baggage reimbursement
  • Rental car damage secondary coverage

Annuities

Secure Growth Fixed Indexed Annuity
premium
Individuals nearing retirement seeking market-linked growth with principal protection.
$500$2,500 /mo
Network
single carrier
  • Tax-deferred interest accumulation
  • Protection against market loss (0% floor)
  • Optional lifetime income rider
  • Death benefit for beneficiaries

What do you need to compare?

Every non-health line, grouped by category. Pick a specific coverage and we'll match you with a licensed independent agent who specializes in it.

Vehicle & motor

21 lines
Auto insurance

Car, motorcycle, and rideshare — compare 20+ carriers in one form.

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Classic car insurance

Agreed-value coverage for classic and vintage cars.

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Antique car insurance

Pre-1930 antique auto policies with specialty carriers.

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Collector car insurance

Mileage-based coverage for collector and enthusiast cars.

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Motorcycle insurance

Liability, collision, and gear coverage for bikes.

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Scooter insurance

Coverage for gas and electric scooters.

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Moped insurance

Low-cost policies for mopeds and 50cc bikes.

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ATV insurance

All-terrain vehicle liability, collision, and trailering.

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UTV insurance

Side-by-side / UTV coverage on and off trail.

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Snowmobile insurance

Winter powersports coverage with trail and trailer options.

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RV insurance

Class A, B, and C motorhome policies.

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Motorhome insurance

Full-time and part-time motorhome coverage.

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Travel trailer insurance

Towable trailer property and liability protection.

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Camper insurance

Pop-up, truck, and slide-in camper coverage.

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Golf cart insurance

On-course and neighborhood NEV coverage.

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Electric vehicle insurance

EV-specific coverage — battery, charger, and downtime.

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Rideshare insurance

Uber/Lyft gap coverage for Period 1 and beyond.

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Commercial auto insurance

Vehicles you use for work — vans, trucks, service fleets.

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Fleet insurance

Multi-vehicle commercial fleet policies.

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Gap insurance

Covers the gap between loan balance and actual cash value.

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Mechanical breakdown insurance

An alternative to a dealer extended warranty.

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Marine & watercraft

9 lines

Aviation & drones

4 lines

Home & property

20 lines
Homeowners insurance

HO-3 coverage sized to your real replacement cost.

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Renters insurance

Affordable protection for your stuff and liability, from ~$12/mo.

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Condo insurance

HO-6 coverage for walls-in and personal property.

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Landlord insurance

DP-3 dwelling fire for rental property owners.

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Mobile home insurance

Coverage designed for mobile and manufactured homes.

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Manufactured home insurance

HUD-code home coverage with specialty carriers.

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Tiny home insurance

Coverage for stationary and towable tiny homes.

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Vacation home insurance

Second-home and short-term rental policies.

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Vacant home insurance

Coverage for homes between owners or under renovation.

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Vacant land insurance

Liability for undeveloped land you own.

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Flood insurance

NFIP and private flood coverage for any zone.

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Earthquake insurance

Standalone earthquake and aftershock coverage.

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Hurricane insurance

Named-storm wind and rain coverage.

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Windstorm insurance

Windstorm and hail coverage in coastal states.

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Hail insurance

Add-on and standalone hail damage protection.

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Sinkhole insurance

Sinkhole coverage where the standard HO-3 excludes it.

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Wildfire insurance

Wildfire coverage in high-brush territory.

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Builder's risk insurance

Course-of-construction coverage for new builds.

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Home warranty plans

Appliance and system breakdown warranty plans.

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Appliance insurance

Appliance breakdown and replacement plans.

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Life insurance

20 lines
Life insurance

Term, whole, and final expense — protect the people who count on you.

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Term life insurance

10-, 20-, or 30-year term policies at the lowest cost.

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Whole life insurance

Permanent coverage with guaranteed cash value.

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Universal life insurance

Flexible premium permanent life coverage.

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Indexed universal life

IUL with index-linked cash value growth.

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Variable universal life

VUL with sub-account investment options.

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Variable life insurance

Permanent life tied to investment sub-accounts.

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Guaranteed universal life

GUL — lifetime coverage at term-like pricing.

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Survivorship life insurance

Second-to-die coverage for estate planning.

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Joint life insurance

First-to-die joint life coverage for couples.

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Final expense insurance

Small whole life to cover funeral and burial costs.

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Burial insurance

Simplified-issue burial and funeral coverage.

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Funeral insurance

Preneed and funeral trust coverage.

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Mortgage protection insurance

Term life sized to your mortgage balance.

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Credit life insurance

Loan-payoff coverage tied to a specific debt.

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Key person life insurance

Business-owned life on a key employee.

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Buy-sell agreement insurance

Funding for a buy-sell agreement between partners.

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Accidental death & dismemberment (AD&D)

Lump-sum benefit for covered accidents.

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Disability insurance

Short- and long-term income protection if you can't work.

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Annuities

Retirement income — fixed, indexed, and variable.

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Liability & umbrella

12 lines

Business & commercial

16 lines

Construction & contractor

9 lines

Real estate

4 lines

Financial & credit protection

6 lines

Travel & event

9 lines

Pet & animal

7 lines

Agriculture

5 lines

Specialty & valuables

13 lines

Why comparing matters

  • Rates for the same coverage can vary 30–50% between carriers
  • Independent agents shop 20+ carriers, not just one
  • Bundling home + auto typically saves 10–25%
  • No cost to you — agents are paid by the carriers