Everything worth knowing before you request a quote from Insurance Coverage Packages.
Six core categories, plus a general option for anything else. Homeowners, renters and tenant, auto and vehicle, small business, landlord and property, and trip and travel. If what you need sits outside those, choose the general option and describe it in the notes field, and an advisor will point you in the right direction.
A licensed advisor reads your details, matches them against carriers writing in your state, and comes back with options. If you would rather talk it through, call +1 234 567 8900 instead and skip the form entirely.
None. Researching coverage, comparing options, and speaking with an advisor all cost you nothing. There is no membership, no subscription, and no fee attached to being introduced to a carrier.
Volume and access. We quote against dozens of national and regional carriers at once, and advisors often have access to rating plans and discounts that are not offered to walk-in callers. Sometimes that is the difference, and sometimes it is not. We will tell you which case you are in.
Different categories ask for different things. Auto needs vehicle and driver details. Property needs the address, construction, and replacement value. Business needs a description of the work, payroll, and gross receipts. An advisor will walk you through the list for whichever category you choose.
Simple requests often come back the same day. Commercial and multi-property situations take longer because a carrier wants to see documentation first. We will give you a realistic timeline instead of a cheerful guess.
Yes. Every carrier and agency we introduce you to holds active registrations in the states where they are writing, and each is subject to that state's insurance commission. We verify before an introduction, and we keep our own registrations current as well.
Usually. A history affects what you pay and which carriers will consider the request, but it does not automatically disqualify you. Some carriers write to higher-risk drivers, and an advisor will sort out which ones those are for your state.
The state minimum is the least a policy can legally carry, and it protects other people more than it protects your own vehicle. Broader options add damage to your vehicle, stolen and recovered coverage, and higher liability limits. An advisor can size those limits against what you could plausibly lose.
Compare the dwelling limit to what it would cost to rebuild, not to what you paid. Then check the contents limit against the value of what you own, and look at the liability limit. Rebuilding cost is the number that erodes silently, and it is the one worth getting right.
It usually is. Pairing auto with a home or renters policy, or placing business coverage alongside general liability with the same carrier, often unlocks a multi-policy discount. Ask your advisor to price it both ways before you decide.
Location, the limits you choose, your deductible, claims history, and the risk profile of whatever is being covered. Some states also allow credit information to factor in. An advisor can show you which of those moved your number and by how much.
The carrier, not us. Your declarations page lists the claims line to call and the app or portal to use. Reporting promptly is usually the single biggest factor in how a claim resolves, so keep the number somewhere you will find it quickly.
Yes, at renewal or sometimes mid-term. Limits, deductibles, drivers, vehicles, addresses, and scheduled items can usually be adjusted. Changes often carry a premium adjustment, so it is worth asking the carrier for a written quote on the change first.
No. We match requests with licensed advisors and carriers who issue the policies. We do not underwrite risk, bind coverage, or collect premiums, and the contract you sign is between you and the carrier.
The desk answers Mon - Fri: 8:00 AM - 7:00 PM MST. Requests sent outside those hours are picked up on the next business day, in the order they arrived.