MY HOME AND FAMILY

I own a home, condo, or rental property

I drive and want real protection, not just minimums

I rent and my landlord's policy does not cover me

Against a Big Loss

One lawsuit could wipe out everything I have built

Against Flooding

My standard policy covers zero flood damage

My Rental Income

I rent out a property and need landlord coverage

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MY BUSINESS

My Business Property and Liability

I need one policy that covers my business basics

Against a Customer Claim

Someone got hurt or I caused damage to their property

My Business Vehicles

My personal auto policy does not cover business use

Workers comp is required for most employers

Against a Data Breach

A cyberattack could cost my business $200,000 or more

My Professional Work

My advice or service caused a loss and I am being sued

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We shop all of these for you. You see every option.

12 A-rated carriers. One independent agent. No loyalty to any single company.

PERSONAL

TravelersComplex homes ProgressiveAuto bundling NationwideBroad coverage SafecoMid-range homes OpenlyHigh value homes HippoNewer construction

COMMERCIAL

TravelersBroad commercial The HartfordSmall business NationwideMid-market CNAProfessional liability HanoverComplex risks AIGHigh value risks

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Plain English guides on what policies cover and what they do not

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Know Your State's Rules

Coverage requirements vary by state. Find what applies to you

🍑 Georgia

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Umbrella

Do I need home and auto with the same carrier to get umbrella insurance?

Most carriers require you to bundle home and auto with them before writing an umbrella. However, RLI offers a standalone personal umbrella with no bundling requirement. If your home and auto are with different carriers, a standalone umbrella is the solution. We compare both bundled and standalone options to find the best structure.

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