Property & Casualty
Auto, home, and business insurance to protect what you own and operate.
Why It Matters
Your home and car are likely your largest personal investments, and your business may be your livelihood. The right P&C coverage protects those assets from unexpected losses and helps you recover quickly after a covered event.
Key Benefits
- Auto insurance meets state minimum and full-coverage needs
- Homeowners, renters, and condo policies protect your dwelling and belongings
- Commercial property and liability coverage for businesses of all sizes
- Umbrella policies add extra liability protection above home/auto limits
What to consider
- Coverage limits, deductibles, and policy exclusions
- Bundling auto and home for multi-policy discounts
- Business vs. personal liability exposure
Common questions
What's the difference between actual cash value and replacement cost?
Actual cash value (ACV) pays to replace your damaged property minus depreciation, while replacement cost pays to replace new without a depreciation deduction. ACV means lower premiums but higher out-of-pocket at claim time.
Can I bundle my auto and home with the same carrier?
Yes — most carriers offer multi-policy discounts when you bundle auto and home (or renters). Savings typically range from 5% to 25%, and managing fewer bills reduces hassle.
What does a business owner's policy (BOP) include?
A BOP bundles general liability and property insurance into one policy, often at a lower combined cost than buying each separately. It's a common fit for small- to medium-sized businesses.
Why It Matters
Your home and car are likely your largest personal investments, and your business may be your livelihood. The right P&C coverage protects those assets from unexpected losses and helps you recover quickly after a covered event.
Get Help with Property & Casualty
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