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.
Insurance built to hold.
Auto, home, renters, umbrella, life and business, written as one policy family out of Cleveland since 1948.
1948Writing policies out of Cleveland since
14States licensed, full schedule published
8Lines written under one policy family
24 hClaims intake, every day of the year
Eight lines, one set of limits that actually meet.
Coverage bought one policy at a time leaves gaps at the joints: an umbrella that will not attach, a watercraft limit a homeowners form was never going to carry, two deductibles on one storm. We write the whole assembly and check where the pieces meet.
Three bundles, 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 an engineer checks 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 bundle 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.
Price the whole structure, not one piece of it.
Four steps, about sixty seconds, and no obligation. An agent reviews every line together so the limits actually meet.