Protection that fits your life
Home, auto, umbrella, life and the things you value, shaped into one coordinated package, reviewed each year, with one person to call. Tell us what to protect and we'll build a quote around it.
Independent broker · One point of contact · Annual coverage reviews
Coverage that holds up when you need it
Good personal insurance isn't just the lowest price — it's coverage that holds up at claim time. We shape your home, auto, umbrella, life and specialty coverage into one coordinated package, compare the market for the right fit and review it each year as your life changes. The result is fewer gaps, better-aligned liability limits and one person who knows your whole picture.
Tell us what to protect
Pick what's part of your life and we'll sketch a coordinated package, plus a few things worth a look. A starting sketch, not a policy — we'll confirm coverage and limits with you.
Your operation
Select everything that applies.
Coverage that typically applies
3 coverages — a starting point for a conversation, not a quote.
- HomeownersYour home, belongings and the liability that comes with owning it.
- Flood coverageStandard home policies exclude flood — worth checking your risk.
- AutoLiability plus collision and comprehensive, beyond bare state minimums. Bundling home and auto usually earns a meaningful discount.
What each piece actually does
Plain-language explainers, and the gap most people miss on each one.
Homeowners
Covers your house, its contents, your liability if someone is hurt on your property, and living costs elsewhere during repairs. The gap: rebuild cost often outpaces the policy limit — check your dwelling amount at each review.
- Dwelling and other structures
- Personal property
- Personal liability
- Additional living expenses
Auto
Liability for injuries and damage you cause, collision and comprehensive for your vehicle, and protection if the other driver has too little coverage. The gap: state-minimum liability is easy to exceed — align it with an umbrella.
- Liability (bodily injury and property)
- Collision and comprehensive
- Uninsured / underinsured motorist
- Medical payments
Umbrella
Extra liability above your home and auto that takes over when their limits are used up. The gap: most households skip it, yet it's what shields savings and future income from a large judgment.
- $1M–$10M+ additional liability
- Sits above home and auto
- Often covers some claims others exclude
- Affordable per million
Life
Replaces income and clears debts so your family can stay on their feet. The gap: the right amount changes with income, mortgage and dependents — a short review keeps it current.
- Term life
- Whole life
- Universal life
- Final-expense options
Renters
Protects your belongings and gives you personal liability coverage, and is often required by a lease. The gap: your landlord's policy covers the building, not your things.
- Personal property
- Personal liability
- Additional living expenses
- Optional valuables scheduling
Specialty
Boats, RVs, motorcycles, jewelry, art and flood, covered properly instead of under a low sublimit. The gap: home policies sharply limit valuables — scheduling them covers full value.
- Watercraft and RV
- Motorcycle
- Valuable articles (scheduled)
- Flood
Why we package it, not piece it together
Fewer gaps
When policies are built to work together, the seams between them get checked, so a claim doesn't fall between two carriers.
Liability that lines up
Auto, home and umbrella limits should reinforce each other. We keep them consistent and sized to what you have to protect.
One person who knows you
One broker, one renewal, one number to call, and an annual review as you move, buy cars and reach new milestones.
Get your personalized quote
Tell us a little about you and we'll put together a coordinated package. No obligation; we'll get back to you within a business day.
- Home, auto, umbrella and specialty in one review
- Multi-policy discounts where they apply
- One point of contact
Have current declarations pages? You can email them to info@firstunderwriters.com after you submit.
Coverage descriptions are general summaries for education and are not a statement of coverage, an offer or a binder. Actual coverage, limits, eligibility, discounts and pricing depend on the policy issued and are subject to underwriting.