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.
The bundle, published as a specification
Three tiers, every term written out. Nothing here is a marketing name for something we will decide later.
Move the selector, read the rung
The selector locks into one of three detents. Each rung opens to the full sheet for that tier: liability, auto physical damage, property and policy terms. Drag it, arrow-key it, or open a tier directly.
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
Property
- Policy form
- HO-3 or HO-4
- Dwelling valuation
- Replacement cost
- Personal property valuation
- Actual cash value
- All other peril deductible
- $2,500
- Wind and hail deductible
- 2% of Coverage A
- Water backup endorsement
- Not included
- Service line endorsement
- Not included
Policy terms
- Multi-line bundle credit
- 8%
- Single deductible per event
- No
- Accident forgiveness
- No
- Agent assignment
- Service desk
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
Property
- Policy form
- HO-3 or HO-5
- Dwelling valuation
- Replacement cost
- Personal property valuation
- Replacement cost
- All other peril deductible
- $1,000
- Wind and hail deductible
- 1% of Coverage A
- Water backup endorsement
- $10,000
- Service line endorsement
- Not included
Policy terms
- Multi-line bundle credit
- 17%
- Single deductible per event
- Yes
- Accident forgiveness
- After 3 claim-free years
- Agent assignment
- Named agent
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
Property
- Policy form
- HO-5
- Dwelling valuation
- Extended replacement, 125%
- Personal property valuation
- Replacement cost
- All other peril deductible
- $500
- Wind and hail deductible
- $1,000 flat
- Water backup endorsement
- $25,000
- Service line endorsement
- $10,000
Policy terms
- Multi-line bundle credit
- 22%
- Single deductible per event
- Yes
- Accident forgiveness
- From day one
- Agent assignment
- Named agent, annual review
Drag the selector, use the arrow keys, or open a tier. Every figure is illustrative and is not a quote.
All three tiers, side by side
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.
| Term | IM-1 Foundation | IM-2 Standard | IM-3 Ironclad |
|---|---|---|---|
| Liability | |||
| Auto bodily injury / property damage | 100/300/50 | 250/500/100 | 500/500/250 |
| Uninsured / underinsured motorist | 100/300 | 250/500 | 500/500 |
| Home or renters personal liability | $300,000 | $500,000 | $1,000,000 |
| Umbrella limit | Not included | $1,000,000 | $2,000,000 |
| Umbrella attachment point | n/a | 250/500/100 + $500K | 500/500/250 + $1M |
| Auto physical damage | |||
| Comprehensive deductible | $1,000 | $500 | $250 |
| Collision deductible | $1,000 | $500 | $500 |
| Rental reimbursement | Not included | $40 / day, 30 days | $75 / day, 45 days |
| Roadside and towing | Not included | Included | Included |
| Original equipment parts endorsement | Not included | Not included | Included |
| Property | |||
| Policy form | HO-3 or HO-4 | HO-3 or HO-5 | HO-5 |
| Dwelling valuation | Replacement cost | Replacement cost | Extended replacement, 125% |
| Personal property valuation | Actual cash value | Replacement cost | Replacement cost |
| All other peril deductible | $2,500 | $1,000 | $500 |
| Wind and hail deductible | 2% of Coverage A | 1% of Coverage A | $1,000 flat |
| Water backup endorsement | Not included | $10,000 | $25,000 |
| Service line endorsement | Not included | Not included | $10,000 |
| Policy terms | |||
| Multi-line bundle credit | 8% | 17% | 22% |
| Single deductible per event | No | Yes | Yes |
| Accident forgiveness | No | After 3 claim-free years | From day one |
| Agent assignment | Service desk | Named agent | Named agent, annual review |
| Illustrative annual premium | |||
| Combined, all lines | $1,842 / yr ±8% | $2,394 / yr ±8% | $3,118 / yr ±8% |
Price your household against the specification.
Four steps, about sixty seconds. We come back with the tier that fits and the two figures either side of it, so you can see what the step up actually costs.