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Get matched to the right coverage

Pick your line of coverage and we'll match you with a licensed independent agent who shops A-rated carriers for you — auto, home, life, business, and everything in between. VoomZone isn't a quote engine — your agent does the quoting.

Sample plan archetypes

45 plans

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

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
Pay-Per-Mile Low Mileage Auto
basic
Remote workers or urban residents who drive fewer than 5,000 miles per year.
$25$65 /mo
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

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
Eco-Resilient Home Upgrade
specialty
Homeowners who want to rebuild with sustainable, energy-efficient materials after a loss.
$15$45 /mo
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
Exterior Service Line Coverage
specialty
Owners of older homes responsible for underground utility lines to the street.
$12$28 /mo
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

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
Small Biz Cyber & Ransomware
cyber
Retailers and service businesses handling sensitive customer data and digital payments.
$45$115 /mo
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
Home-Based Business Extension
basic
Remote professionals and online sellers who need more than standard HO-3 limits for inventory and liability.
$12$28 /mo
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

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
Family Multi-Gen Umbrella
high-limit
Families with teenage drivers or student residents who present higher liability risks.
$45$95 /mo
Network
multi-carrier shop
  • $2M+ excess liability limit
  • Covers teenage and youthful drivers
  • Social media libel and slander protection
  • Worldwide personal liability coverage
High-Net-Worth Excess Liability
high-limit
Affluent households requiring $10M+ in liability limits including libel and slander protection.
$125$350 /mo
Network
specialty carrier
  • $10M - $50M liability limits
  • Worldwide territorial coverage
  • Defense costs outside limits
  • Kidnap and ransom extension

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
Renters High-Value Contents
premium
Urban professionals renting luxury apartments with significant investments in jewelry, tech, and art.
$45$95 /mo
Deductible
$500
Network
multi-carrier shop
  • Replacement cost on contents
  • Scheduled personal property riders
  • Loss of use coverage included
  • Off-premises theft protection
Shared Household & Roommate Renter's
basic
Young professionals and students living in shared apartments with non-family roommates.
$22$45 /mo
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

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
Family Cyber & Smart Home Security
premium
Connected households with high-end IoT devices, smart security, and multiple users.
$25$55 /mo
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
Cyber Tech Professional E&O
cyber
IT consultants and software developers who handle sensitive client data and code.
$85$175 /mo
Deductible
$2,500
Network
specialty carrier
  • Data breach notification costs
  • Cyber extortion and ransomware
  • Network security liability
  • Business interruption loss

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)
Exotic Pet & Avian Protection
specialty
Owners of birds, reptiles, and small mammals excluded by standard cat/dog policies.
$18$45 /mo
Deductible
$200
Network
specialty carrier
  • Coverage for birds, reptiles, and ferrets
  • Accident and illness diagnostic testing
  • Specialized veterinary specialist access
  • Laboratory fees and hospitalization
Senior Pet Wellness & Chronic Care
specialty
Owners of aging pets focusing on chronic disease management and quality of life.
$65$145 /mo
Deductible
$500
Network
multi-carrier shop
  • Chronic condition management
  • Alternative therapies (Acupuncture)
  • Prescription food reimbursement
  • End-of-life care coverage

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
RV Full-Timer Personal Liability
premium
Individuals living in their RV or motorhome as their primary and permanent residence.
$85$165 /mo
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
Off-Road & Adventure Sports Bundle
standard
Outdoor enthusiasts with ATVs, UTVs, or dirt bikes and their transport trailers.
$75$155 /mo
Deductible
$1,000
Network
specialty carrier
  • Off-road collision coverage
  • Custom parts & equipment (CPE)
  • Trailer & gear protection
  • Emergency roadside extraction

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
Short-Term Disability Bridge
standard
Employees without employer-sponsored short-term coverage who need 3-6 months of protection.
$35$75 /mo
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
Executive 'Own-Occupation' Disability
premium
High-earning specialists (surgeons, attorneys) needing protection if they can't perform their specific role.
$150$450 /mo
Network
single carrier
  • True Own-Occupation definition
  • Cost of living adjustment (COLA)
  • Residual disability benefits
  • Future purchase options

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
Digital Nomad Global Protection
premium
Long-term travelers and expats working remotely outside the US for 6+ months a year.
$65$145 /mo
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
Extreme Sports & Adventure Travel
specialty
Travelers engaging in high-risk activities like scuba diving, skiing, or mountaineering.
$45$110 /mo
Network
specialty carrier
  • Search and rescue coverage
  • Sports equipment rental loss
  • High-altitude medical evac
  • Hazardous activity waiver

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
Immediate Retirement Income (SPIA)
standard
Retirees looking to convert a lump sum into a guaranteed monthly paycheck immediately.
$1,000$5,000 /mo
Network
single carrier
  • Guaranteed lifetime monthly payments
  • Inflation protection (COLA) options
  • Joint and survivor payout availability
  • Zero market volatility exposure
Qualified Longevity Annuity (QLAC)
standard
Retirees looking to defer RMDs and ensure income starting at age 80 or 85.
$500$2,000 /mo
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 lines
Auto insurance

Car, motorcycle, and rideshare — matched with agents who write 20+ carriers.

See coverage
Classic car insurance

Agreed-value coverage for classic and vintage cars.

See coverage
Antique car insurance

Pre-1930 antique auto policies with specialty carriers.

See coverage
Collector car insurance

Mileage-based coverage for collector and enthusiast cars.

See coverage
Motorcycle insurance

Liability, collision, and gear coverage for bikes.

See coverage
Scooter insurance

Coverage for gas and electric scooters.

See coverage
Moped insurance

Low-cost policies for mopeds and 50cc bikes.

See coverage
ATV insurance

All-terrain vehicle liability, collision, and trailering.

See coverage
UTV insurance

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

See coverage
Snowmobile insurance

Winter powersports coverage with trail and trailer options.

See coverage
RV insurance

Class A, B, and C motorhome policies.

See coverage
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.

See coverage
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.

See coverage
Commercial auto insurance

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

See coverage
Fleet insurance

Multi-vehicle commercial fleet policies.

See coverage
Gap insurance

Covers the gap between loan balance and actual cash value.

See coverage
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.

See coverage
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.

See coverage
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.

See coverage
Disability insurance

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

See coverage
Annuities

Retirement income — fixed, indexed, and variable.

See coverage

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 using an independent agent 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