Auto insurance
Liability, comprehensive and collision on one policy, with uninsured motorist written to match your bodily injury limits.
- BI / PD limits
- 100/300/50
- Comp / coll deduct.
- $500 / $500
- UM / UIM
- 100/300
$1,284 / yrSample. Not a quote.
Decorative animation: insurance peril symbols falling past the pointer. It carries no information that is not also written on this page.
Policy familyIM‑1948
Limits that meet.
Auto, home, renters, condo, umbrella, life and business, written as one programme out of Cleveland since 1948 — and checked at the joints, where cover bought one policy at a time comes apart.
- 14States admitted
- 8Lines written
- 24 hClaims intake
- 0Surplus lines
Declarations — specimen
Ironclad Mutual
Cleveland, OH · admitted carrier
- Auto — BI / PD
- 100 / 300 / 50
- Home — form
- HO‑3
- Coverage E
- $500,000
- Umbrella
- $2,000,000
- Deductible, per event
- One, not two
No policy number is printed on a specimen
Eight lines, one set of limits that actually meet.
Cover bought one policy at a time comes apart at the joints: an umbrella that will not attach because the underlying limit is too low, a watercraft value a homeowners form was never going to carry, two deductibles for one storm. We write the whole assembly and check where the pieces meet.
The one diagram nobody draws you: where the money stops.
A liability award does not land on one policy. It climbs a stack. Auto answers first, up to its per-person limit; the umbrella attaches above that limit, and only if the underlying limit is at least the figure the umbrella requires. Lower the auto limit to save forty dollars a year and you can open a gap the umbrella will not bridge.
Personal liability, one injured claimant
Where a $1,400,000 award actually lands
Self-insured retention$250—
Umbrella attachment point$250,000—
Personal umbrella$2,000,000—
Above the towerUninsured—
Move the slider to see which limit pays.
- Self-insured retention
- Applies only where no underlying policy answers at all. On an automobile claim, auto liability answers, so the retention is not reached.
- Auto bodily injury
- Two hundred and fifty thousand dollars for any one injured person, five hundred thousand for the accident. The first figure is the one that matters here.
- Umbrella attachment point
- The umbrella requires the underlying auto limit to be at least this figure. Drop the auto policy to 100/300 to save premium and the umbrella no longer attaches — the gap between them is yours.
- Personal umbrella
- Sits above every underlying policy in the household, not just this one, and also answers some claims the underlying forms exclude.
- Above the tower
- Wages, savings, home equity and, in most states, future earnings. This is the part a higher umbrella limit buys back, and it is usually the cheapest coverage on the whole programme.
Illustrative arithmetic on the limits shown, not a quote and not legal advice. Real limits, forms, required underlying limits and exclusions vary by state filing and by policy. A self-insured retention of $250 applies to a claim the underlying policies do not cover at all.
Eight forms, and what each one will not do.
Turn any card over. The exclusions on the back are the standard ones the ISO-family forms these products are modelled on actually carry — not a shortened, friendlier version of them. If a gap on a back matters to your household, there is usually an endorsement that closes it, and it is named.
01Personal auto policy Auto
Liability, comprehensive and collision on one policy, with uninsured motorist written to match your bodily injury limits.
- BI / PD limits
- 100/300/50
- Comp / coll deduct.
- $500 / $500
- UM / UIM
- 100/300
01Not covered - Wear, tear and mechanical breakdown, however sudden it feels
- Racing or any speed contest, on a track or otherwise
- Carrying people or goods for a fee without a livery endorsement
- Your belongings inside the car — that is a homeowners or renters claim
- Damage you cause on purpose, to anyone, including yourself
Usual buy-backRideshare endorsement, for the period between accepting a fare and dropping it.
02HO-3 / HO-5 Home
HO-3 and HO-5 forms with replacement cost on the dwelling, and a separate wind and hail deductible written in plain figures.
- Policy form
- HO-3 / HO-5
- Dwelling valuation
- Replacement cost
- All-peril deductible
- $1,000
02Not covered - Flood, including surface water and storm surge. A separate policy, always
- Earth movement: earthquake, landslide, sinkhole, mine subsidence
- Water backing up through sewers and drains, unless endorsed on
- Deterioration, rot, settling, and damage from neglect after a loss
- Mould beyond the policy sublimit, and business pursuits at the address
Usual buy-backWater backup endorsement, service line coverage, and ordinance or law at 25 per cent.
03HO-4 Renters
HO-4 contents and liability coverage that follows you off the property, plus loss of use if the building becomes uninhabitable.
- Policy form
- HO-4
- Personal property
- $30,000 RCV
- Personal liability
- $300,000
03Not covered - The building itself, which is the landlord’s policy, not yours
- Flood and earth movement, exactly as on a homeowners form
- A roommate’s property, unless they are named on the policy
- Business property above the sublimit, at home or away
- Anything a named peril did not do — HO-4 is a named-peril form
Usual buy-backScheduled personal property for a ring, an instrument or a bicycle.
04HO-6 Condo
HO-6 walls-in coverage sized against your association master policy, including loss assessment for shared structure claims.
- Policy form
- HO-6
- Building property
- $60,000
- Loss assessment
- $50,000
04Not covered - Whatever the association master policy is written to cover, which varies
- Loss assessment above the policy limit for that coverage
- Flood and earth movement, again
- Improvements you made but never told the carrier about
Usual buy-backHigher loss assessment, and units-owners building property to match the master deed.
05Personal umbrella Umbrella
Personal liability that attaches above your auto and home limits and pays after those limits are exhausted.
- Umbrella limit
- $1,000,000
- Auto attach point
- 250/500/100
- Home attach point
- $300,000
05Not covered - Your own injuries and damage to your own property
- Business and professional liability of any kind
- Anything you did on purpose, and anything criminal
- Liability you took on by signing a contract
- Claims where the underlying limit is below the required attachment point
Usual buy-backRaise the underlying auto and homeowners limits so the umbrella can attach.
06Level term life Life
Level term for the years the mortgage and the kids overlap, or whole life when the need does not have an end date.
- Product
- 20 yr level term
- Face amount
- $500,000
- Convertible through
- Age 65
06Not covered - Death by suicide inside the first two policy years, in most states
- A claim inside the two-year contestability period where the application was wrong
- Nothing else. A term life policy is not a named-peril form
Usual buy-backConvert to permanent cover before the conversion window closes.
07Watercraft, RV, motorcycle Boat, RV, motorcycle
Separate physical damage and liability for the things a homeowners policy explicitly will not cover.
- Hull valuation
- Agreed value
- Watercraft liability
- $500,000
- Lay-up credit
- Nov - Apr
07Not covered - Racing and organised speed events
- Wear, tear, marine growth, osmosis and gradual corrosion
- Freeze damage while laid up, where the vessel was not winterised
- Use outside the navigational or mileage limits on the declarations page
Usual buy-backAgreed value on the hull, and an extended navigation endorsement.
08Business owner policy Business owner policy
A BOP packaging general liability, business personal property and business income for small operations under 100 employees.
- General liability
- $1M / $2M
- Business property
- $310,000
- Business income
- 12 mo actual loss
08Not covered - Professional liability — errors and omissions is a separate policy
- Employment practices: hiring, firing, harassment claims
- Owned auto liability, and workers’ compensation for your employees
- Flood, earth movement, and most cyber loss without an endorsement
Usual buy-backCyber and data breach, EPLI, and hired and non-owned auto.
Three programmes, published as a specification.
Every figure below is a real term on a real form: limits, deductibles, valuation basis and the point at which an umbrella attaches. Move the selector to compare the rungs, or open one to read the whole sheet.
Priced against one household: two adults, two vehicles, a 1,940 sq ft single family home built 1958 in Cuyahoga County, Ohio, no claims in five years, no youthful operators.
Auto plus renters or home at limits that clear a routine loss. The floor we are willing to write.
Liability
- Auto bodily injury / property damage
- 100/300/50
- Uninsured / underinsured motorist
- 100/300
- Home or renters personal liability
- $300,000
- Umbrella limit
- Not included
- Umbrella attachment point
- n/a
Auto physical damage
- Comprehensive deductible
- $1,000
- Collision deductible
- $1,000
- Rental reimbursement
- Not included
- Roadside and towing
- Not included
- Original equipment parts endorsement
- Not included
The bundle most households actually need. Umbrella attaches, deductibles halve, one deductible per event.
Liability
- Auto bodily injury / property damage
- 250/500/100
- Uninsured / underinsured motorist
- 250/500
- Home or renters personal liability
- $500,000
- Umbrella limit
- $1,000,000
- Umbrella attachment point
- 250/500/100 + $500K
Auto physical damage
- Comprehensive deductible
- $500
- Collision deductible
- $500
- Rental reimbursement
- $40 / day, 30 days
- Roadside and towing
- Included
- Original equipment parts endorsement
- Not included
Written for households with real assets to protect. Extended replacement cost, $2M umbrella, annual review.
Liability
- Auto bodily injury / property damage
- 500/500/250
- Uninsured / underinsured motorist
- 500/500
- Home or renters personal liability
- $1,000,000
- Umbrella limit
- $2,000,000
- Umbrella attachment point
- 500/500/250 + $1M
Auto physical damage
- Comprehensive deductible
- $250
- Collision deductible
- $500
- Rental reimbursement
- $75 / day, 45 days
- Roadside and towing
- Included
- Original equipment parts endorsement
- Included
Drag the selector, use the arrow keys, or open a tier. Every figure is illustrative and is not a quote.
What policyholders say
She read my association master policy and my BOP side by side before quoting. Nobody had done that in nineteen years.
Drag the handle, or use the arrow keys.
Check us the way you would check a weld.
Every carrier in the United States tells you it is trustworthy. Two independent sources will tell you whether that is true, and neither of them is the carrier. Look both up before you buy anything from anyone, us included.
The NAIC publishes a complaint index for every licensed carrier, normalised so that 1.00 is the median for a company of that size. AM Best publishes a financial strength rating that estimates the carrier's ability to pay claims when a bad year arrives all at once.
Cleveland office, personal lines desk
Hail inspection, Cuyahoga County
One event, one deductible, one telephone number.
When a storm takes the roof and both vehicles in the same afternoon, two carriers means two deductibles, two adjusters and two versions of what happened. On an IM-2 or IM-3 programme it is one event: we apply the higher deductible and waive the other, and one adjuster owns the whole file.
The questions people ask before they sign.
What does 100/300/50 actually mean?
Three separate limits on an auto policy, written in thousands. 100 is the most we pay for bodily injury to any one person in an at-fault accident. 300 is the most we pay for bodily injury across everyone hurt in that one accident. 50 is the most we pay for damage to other people’s property. Ohio requires 25/50/25. A single overnight stay in a trauma unit can exceed that, and the balance is yours.
What is the difference between an HO-3 and an HO-5?
An HO-3 covers the structure against open perils and your belongings against a named list. An HO-5 covers both on an open perils basis. In practice that means an HO-3 asks you to prove your loss was caused by something on the list, while an HO-5 asks us to prove it was caused by something excluded. An HO-4 is the renters version, an HO-6 is the condo version.
Replacement cost or actual cash value, and does it matter?
It matters most on old things. Actual cash value pays what the item was worth the moment before the loss, with depreciation subtracted. Replacement cost pays what an equivalent new item costs today. On a twenty-two year old roof, actual cash value can settle at less than a third of the replacement figure, and the difference comes out of your pocket.
When does an umbrella policy actually pay?
Only after the underlying policy is exhausted. If you carry 250/500/100 auto liability and a judgment lands at $700,000 for one injured person, the auto policy pays its $250,000 and the umbrella picks up the next $450,000. That attachment structure is why an umbrella is inexpensive, and why we require specific underlying limits before we will write one.
What is a single deductible event?
When one storm damages your house and your car, two policies would normally each take a deductible. On our IM-2 and IM-3 bundles, one event means one deductible: we apply the higher of the two and waive the other. It is the practical reason most of our policyholders end up with everything on one carrier.
How do I check whether a carrier is any good before I buy?
Two public sources, neither of them us. The NAIC Consumer Information Source publishes a complaint index for every carrier, where 1.00 is the industry median and lower is better. AM Best publishes a financial strength rating that estimates the carrier’s ability to pay claims. Look both up for any carrier you are considering, including this one, before you sign anything.
Decorative animation: insurance peril symbols falling past the pointer. It carries no information that is not also written on this page.
Price the whole programme, not one piece of it.
Four steps, about sixty seconds, and no obligation. An agent reads every line together so the limits actually meet.
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