Sample plan archetypes
45 plansReal-world benchmark plans by coverage line — use them to gauge premiums, deductibles, and what to expect before you talk to an agent.
Auto
- Deductible
- $500
- Network
- multi-carrier shop
- Liability limits exceeding state minimums
- Comprehensive and collision included
- Uninsured motorist protection
- 24/7 roadside assistance
- 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
- 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
- Deductible
- $500
- Network
- single carrier
- Fixed base rate + per-mile pricing
- Real-time safe driving discounts
- Comprehensive & Collision included
- Mobile app trip tracking
Home & Property
- 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
- 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
- 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
- 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
- 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
- Deductible
- $1,000
- Network
- specialty carrier
- Replacement cost for Energy Star appliances
- Green building material cost coverage
- LEED certification fee reimbursement
- Alternative power source interruption coverage
- Deductible
- $500
- Network
- specialty carrier
- Water & sewer line rupture repair
- Electrical line & fiber optic repair
- Excavation and landscaping restoration
- Expediting expense for emergency repairs
Life
- Network
- single carrier
- $500,000 fixed death benefit
- Guaranteed level premiums for 20 years
- Convertible to permanent life options
- Accelerated death benefit rider
- Network
- single carrier
- Guaranteed issue options available
- Fixed premiums that never increase
- Cash value accumulation over time
- Simplified underwriting for ages 50-85
- Network
- single carrier
- Guaranteed level premiums for life
- Accumulates cash value over time
- Eligible for annual dividend payments
- Policy loan accessibility
Business & Commercial
- Deductible
- $500
- Network
- specialty carrier
- General liability and property combined
- Business interruption coverage
- Defense cost coverage for lawsuits
- Equipment breakdown protection
- 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
- 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
- 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
- Network
- multi-carrier shop
- Covers employee medical bills from work injuries
- Lost wage replacement for staff
- Employer liability protection
- Regulatory compliance for hiring
- Deductible
- $2,500
- Network
- multi-carrier shop
- Ransomware negotiation and payment support
- Data breach notification & legal services
- Business interruption income loss
- Digital forensic investigation fees
- Deductible
- $250
- Network
- multi-carrier shop
- Up to $10,000 for business equipment
- Professional liability for home visitors
- Coverage for off-premises business property
- Loss of business income due to home peril
Umbrella
- Network
- single carrier
- $1M in additional liability protection
- Worldwide coverage for incidents
- Covers libel, slander, and defamation
- Pays legal defense costs above base limits
- Network
- multi-carrier shop
- $2M+ excess liability limit
- Covers teenage and youthful drivers
- Social media libel and slander protection
- Worldwide personal liability coverage
- Network
- specialty carrier
- $10M - $50M liability limits
- Worldwide territorial coverage
- Defense costs outside limits
- Kidnap and ransom extension
Renters
- 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
- Deductible
- $500
- Network
- multi-carrier shop
- Replacement cost on contents
- Scheduled personal property riders
- Loss of use coverage included
- Off-premises theft protection
- Deductible
- $500
- Network
- multi-carrier shop
- Extends liability protection to multiple unrelated residents
- Includes higher medical payments for guest injuries
- Protects against shared common area property damage
- Optional 'identity theft' add-on for shared Wi-Fi environments
Cyber
- Deductible
- $500
- Network
- specialty carrier
- Identity theft restoration services
- Cyber extortion and ransomware reimbursement
- Coverage for online fraud losses
- Social media account recovery support
- Deductible
- $500
- Network
- specialty carrier
- IoT device hacking and restoration
- Cyber-bullying and extortion defense
- Smart home system ransomware recovery
- Identity restoration for all family members
- Deductible
- $2,500
- Network
- specialty carrier
- Data breach notification costs
- Cyber extortion and ransomware
- Network security liability
- Business interruption loss
Pet
- 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)
- Deductible
- $200
- Network
- specialty carrier
- Coverage for birds, reptiles, and ferrets
- Accident and illness diagnostic testing
- Specialized veterinary specialist access
- Laboratory fees and hospitalization
- Deductible
- $500
- Network
- multi-carrier shop
- Chronic condition management
- Alternative therapies (Acupuncture)
- Prescription food reimbursement
- End-of-life care coverage
RV/Boat
- 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
- Deductible
- $1,000
- Network
- specialty carrier
- Personal liability similar to homeowners
- Total loss replacement cost coverage
- Emergency expense for hotel relocation
- Coverage for detached storage sheds
- Deductible
- $1,000
- Network
- specialty carrier
- Off-road collision coverage
- Custom parts & equipment (CPE)
- Trailer & gear protection
- Emergency roadside extraction
Disability
- 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
- Network
- multi-carrier shop
- Immediate 7-day elimination period
- Up to 60% of monthly income replaced
- Maternity leave benefits included
- Covers mental health and stress leaves
- Network
- single carrier
- True Own-Occupation definition
- Cost of living adjustment (COLA)
- Residual disability benefits
- Future purchase options
Travel
- Network
- specialty carrier
- Emergency medical evacuation coverage
- Trip cancellation and interruption protection
- Lost or delayed baggage reimbursement
- Rental car damage secondary coverage
- Deductible
- $250
- Network
- specialty carrier
- Emergency medical evacuation up to $500k
- High-value tech equipment theft coverage
- Political evacuation and crisis response
- Adventure sports liability coverage
- Network
- specialty carrier
- Search and rescue coverage
- Sports equipment rental loss
- High-altitude medical evac
- Hazardous activity waiver
Annuities
- Network
- single carrier
- Tax-deferred interest accumulation
- Protection against market loss (0% floor)
- Optional lifetime income rider
- Death benefit for beneficiaries
- Network
- single carrier
- Guaranteed lifetime monthly payments
- Inflation protection (COLA) options
- Joint and survivor payout availability
- Zero market volatility exposure
- Network
- multi-carrier shop
- Tax-deferred growth in IRA
- Reduces RMD obligations
- Guaranteed lifetime income
- Inflation protection options
What coverage do you need?
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 linesCar, motorcycle, and rideshare — matched with agents who write 20+ carriers.
Agreed-value coverage for classic and vintage cars.
Pre-1930 antique auto policies with specialty carriers.
Mileage-based coverage for collector and enthusiast cars.
Liability, collision, and gear coverage for bikes.
Coverage for gas and electric scooters.
Low-cost policies for mopeds and 50cc bikes.
All-terrain vehicle liability, collision, and trailering.
Side-by-side / UTV coverage on and off trail.
Winter powersports coverage with trail and trailer options.
Class A, B, and C motorhome policies.
Full-time and part-time motorhome coverage.
Towable trailer property and liability protection.
Pop-up, truck, and slide-in camper coverage.
On-course and neighborhood NEV coverage.
EV-specific coverage — battery, charger, and downtime.
Uber/Lyft gap coverage for Period 1 and beyond.
Vehicles you use for work — vans, trucks, service fleets.
Multi-vehicle commercial fleet policies.
Covers the gap between loan balance and actual cash value.
An alternative to a dealer extended warranty.
Marine & watercraft
9 linesRunabouts, pontoons, and sailboats — inland and coastal.
High-value yacht hull and P&I coverage.
PWC liability, collision, and trailer coverage.
Coverage for jet skis, wave runners, and Sea-Doos.
General marine cargo and hull coverage.
Blue-water cargo, hull, and freight coverage.
Coverage for property in transit or off-site.
Motor truck cargo and freight liability.
Physical damage coverage for vessels.
Aviation & drones
4 linesOwner and commercial aviation coverage.
Hull and liability for private and business aircraft.
Part 107 commercial drone liability and hull.
Hangar-keepers liability and property coverage.
Home & property
20 linesHO-3 coverage sized to your real replacement cost.
Affordable protection for your stuff and liability, from ~$12/mo.
HO-6 coverage for walls-in and personal property.
DP-3 dwelling fire for rental property owners.
Coverage designed for mobile and manufactured homes.
HUD-code home coverage with specialty carriers.
Coverage for stationary and towable tiny homes.
Second-home and short-term rental policies.
Coverage for homes between owners or under renovation.
Liability for undeveloped land you own.
NFIP and private flood coverage for any zone.
Standalone earthquake and aftershock coverage.
Named-storm wind and rain coverage.
Windstorm and hail coverage in coastal states.
Add-on and standalone hail damage protection.
Sinkhole coverage where the standard HO-3 excludes it.
Wildfire coverage in high-brush territory.
Course-of-construction coverage for new builds.
Appliance and system breakdown warranty plans.
Appliance breakdown and replacement plans.
Life insurance
20 linesTerm, whole, and final expense — protect the people who count on you.
10-, 20-, or 30-year term policies at the lowest cost.
Permanent coverage with guaranteed cash value.
Flexible premium permanent life coverage.
IUL with index-linked cash value growth.
VUL with sub-account investment options.
Permanent life tied to investment sub-accounts.
GUL — lifetime coverage at term-like pricing.
Second-to-die coverage for estate planning.
First-to-die joint life coverage for couples.
Small whole life to cover funeral and burial costs.
Simplified-issue burial and funeral coverage.
Preneed and funeral trust coverage.
Term life sized to your mortgage balance.
Loan-payoff coverage tied to a specific debt.
Business-owned life on a key employee.
Funding for a buy-sell agreement between partners.
Lump-sum benefit for covered accidents.
Short- and long-term income protection if you can't work.
Retirement income — fixed, indexed, and variable.
Liability & umbrella
12 linesStandalone personal liability coverage.
Extra liability that sits on top of your auto and home policies.
High-limit excess coverage over your primary policies.
CGL coverage for slip-and-fall and third-party claims.
Errors & omissions for licensed professionals.
Management liability for boards and executives.
Discrimination, harassment, and wrongful termination cover.
ERISA fiduciary and benefits-plan coverage.
Coverage for products you make, distribute, or sell.
Dram-shop coverage for bars, restaurants, and events.
Site pollution and remediation coverage.
Contractor and premises pollution coverage.
Business & commercial
16 linesBOP, general liability, workers comp, cyber, and E&O for your business.
Property + GL packaged for small businesses.
Building and business personal property coverage.
Lost income coverage after a covered loss.
Boiler-and-machinery style coverage for modern equipment.
Excess liability layered over your commercial policies.
Employee theft, forgery, and funds-transfer fraud.
Statutory workers comp in every state you operate.
Breach response, ransomware, and cyber liability for SMBs.
Third-party cyber liability coverage.
Notification, credit monitoring, and forensics.
Regulatory response for privacy violations.
Coverage for network intrusions and DDoS.
Tech E&O plus cyber for software and IT firms.
Tech E&O for SaaS, IT services, and developers.
Content and IP liability for publishers and creators.
Construction & contractor
9 linesGL, tools, and commercial auto for tradespeople.
GL and umbrella for GCs and remodelers.
GL and tools coverage for electrical contractors.
GL and pollution for plumbers.
GL, tools, and installation floaters for HVAC.
GL with roofing-specific classifications.
Bid, performance, and payment bonds for contractors.
Guarantee of project performance.
Guarantee of subcontractor and supplier payment.
Real estate
4 linesFinancial & credit protection
6 linesPrivate mortgage insurance guidance and quotes.
Consumer credit protection on installment loans.
Coverage for loan payments if you're disabled or lose your job.
Accounts-receivable coverage for B2B sellers.
Deposit protection guidance beyond FDIC/NCUA.
Employee dishonesty bonds.
Travel & event
9 linesTrip cancellation, medical evacuation, and lost-baggage coverage.
Reimbursement for cancelled or interrupted trips.
Cruise-specific medical, evacuation, and missed-port coverage.
Medical and evacuation coverage abroad.
Coverage for skiing, diving, and expedition travel.
CDW/LDW and primary rental coverage.
One-day and annual event liability.
Wedding cancellation and liability coverage.
Reimbursement for missed events.
Pet & animal
7 linesVet bills covered — accident, illness, and wellness plans.
Accident and illness coverage for dogs.
Accident and illness coverage for cats.
Mortality and major medical for horses.
Equine mortality, major medical, and liability.
Cattle, poultry, and swine mortality coverage.
Coverage for reptiles, birds, and exotic pets.
Agriculture
5 linesFarm property, liability, and equipment coverage.
Ranch dwelling, outbuilding, and liability.
MPCI and crop-hail coverage.
Coverage for ag processors and cooperatives.
Tractor, combine, and implement coverage.
Specialty & valuables
13 linesScheduled coverage for collections and single pieces.
Scheduled and blanket jewelry coverage.
Coverage for collections of any kind.
Coverage for pro-grade and vintage instruments.
Photo and video gear inland marine policies.
Scheduled coverage for wine collections.
Scheduled coverage for numismatic collections.
Scheduled coverage for stamp collections.
Coverage for high-value sporting equipment.
K&R coverage for high-risk travel and expats.
Coverage for expropriation and political violence.
TRIA-backed and standalone terrorism coverage.
Recall response, notification, and lost profits.