Homeowners and Auto Insurance Coverage Plans

How To Get Free Online House & Renters Insurance Rates

I want to provide you with the basics of homeowners and renters insurance and what you should know.

The cost of your house insurance policy will be determined by the amount, or limit, of liability coverage you end up choosing. The more coverage you get the more you are protected against those wanting to sue you.

I do recommend checking out this site. They give you Free Online Home Insurance Quote Rates from the biggest homeowners insurance companies out there. It's worth checking it out if you need some quotes.

Okay, back to the home insurance information.

Having a good security system with deadbolts and smoke alarms will often save you 25% - 30% on your premium costs.

Increasing your deductible is a great way to save money on your policy costs. If you have a low deductible, think about raising it to $750 or even $1,000. This will save you a lot of money on your monthly home insurance bill!

I recommend getting your homeowners and auto insurance policies from the same insurance company, as a bundle a package too. A lot of insurance companies out there will give you discounts of 25% if you get a bundle package.

There are exclusions to the liability coverage also that are important to know about. If you run a business out of your home your policy may not cover certain incidents. In home day care services are also not covered under your homeowners policy so make sure you have separate coverage for your business!

It always best to get as many Homeowners Insurance Quote Rates Online as possible before deciding on a policy. This place normally gives you five free home insurance quotes to look at.

Discount Homeowners Insurance Coverage in Georgia

Owning a home is a major step in life and you will be wise to take a little step further by insuring your home. Homeowners are encouraged to buy insurance for their homes so that they have financial protection in case their homes are destroyed or damaged by such perils like storm, flood, fire, earthquake, vandalism, or their belongings are stolen or damaged.

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Homeowners insurance also protects you in the event that somebody else gets injured on your property or the person suffers a loss of property. If you are looking for discount homeowners insurance coverage in Georgia, it’s best that you take a look at the terms and conditions in the policy. 

A GA homeowners insurance policy is a contract between you, the homeowner, and the insurance company. In the policy, you will find all the terms and conditions which determine the insured perils, insured amount, reimbursement terms, and so on. It’s of utmost importance that you not only read the policy carefully but understand all the terms and conditions because many people just don’t think these things are important. When a disaster occurs, they find out that their policy doesn’t provide coverage for the peril and the insurance company is not obligated to pay for the cost of the damage. Some policies will list all the perils which are covered and some policies will list all the perils which are excluded. 

Insurance companies in Georgia offer various types of policies. In Georgia, there are monocline or package policies. In a monocline policy, only one type of coverage is provided. The package policy is more comprehensive because it provides coverage for various types of perils, including liability. Let’s take a look at some of the package policies. The most limited policy is the HO-1 which covers damages from burglary, smoke, hail, fire, vandalism, and so on. HO-2 provides coverage for all the perils in HO-1 plus coverage for damage from rupture of heating systems, ice, falling objects, plumbing malfunctions, and so on. The most popular homeowners insurance policy in Georgia is HO-3 which covers all types of perils, except for excluded perils like flood and earthquake. There are also other policies which are suitable for tenants, condominium owners, and so on. 

Generally, there are some sure ways to get discount homeowners insurance coverage in Georgia. If your home is already installed with security devices like smoke detectors, burglar alarms, fire extinguishers, fire alarms, dead-bolt locks, and so on, you will qualify for some discount. People who buy their homeowners insurance and auto insurance policies from the same company will also enjoy some discount because it means more business for the insurance company.

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Plus, you will also enjoy a discount if you buy your homeowners insurance from the same company, over and over. Insurance companies will also give discounts to people with a good history of financial credit so you may check to see if you qualify. If your home is new or you have upgraded your plumbing, electrical, heating, and air-conditioning systems, you may also qualify to get some discount. 

Discount Homeowners Insurance Coverage in Michigan

Are you looking for discount homeowners insurance coverage in Michigan? It’s always good to try to find the best deals when you are buying something like homeowners insurance because it’s a long-term purchase. To find the best deal, it’s not just a matter of finding the lowest prices or the biggest discounts. It’s essential to know the components of a homeowners insurance policy to get the best protection for your property. 

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When you are shopping for homeowners insurance in Michigan, you will surely come across terms like All Risk and Named Perils. A peril is defined as an event which causes damage or loss to your property and/or belongings. It can be a flood, fire, explosion, earthquake, riot, theft, and so on. In an All Risk homeowners insurance policy, your property is covered for all the perils except for those which are excluded, which can be collapse, war, and flood. In a Named Peril homeowners insurance policy, your property is only covered when it’s damaged or destroyed as a result of the perils which are listed in the policy. 

Another important aspect of the homeowners insurance policy is the reimbursement terms. If you choose actual cash value, the payment is based on the current replacement value of your property with a deduction for depreciation. Then, there’s repair cost which is described as the cost to rebuild, replace or repair the property similar to its original condition by using modern materials. Finally, there’s replacement cost which is defined as the cost to rebuild, replace or repair the property to its original condition by using materials of equal quality and type. 

In Michigan, Coverage A is Dwelling which provides coverage for the structure of your dwelling. Coverage B is Appurtenant Structures which provides coverage for other structures like freestanding garage, fences, and so on. Coverage C is Contents which provides coverage for loss of personal property, including Off-Premises Loss and Special Items. Coverage D is Additional Living Expenses and it pays for expenses which are incurred due to the fact that you cannot stay in your house. Coverage E is Liability which provides coverage when other people are injured n your property. Coverage F is Medical Payments and it pays for the immediate medical expenses of other people injured on your property. Coverage G is Property of Others so it pays for the property of other people that is damaged. 

Insurance companies in Michigan offer discounts to homeowners who install safety features like fire extinguishers, central station burglar alarms, smoke detectors, and fire alarms in their homes. There are also special discounts for senior citizens above the age of 55. You may also qualify for discounts if the electrical, plumbing, and heating systems in your home are updated. This is also why new homes are entitled to discounts as well. People with great financial credit standing can enjoy hefty discounts so make sure you ask your insurance company about this. Insurance companies will also offer discounts for bundled polices so you will certainly enjoy some discount if you buy your home and auto insurance from the same company.

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Discount Homeowners Insurance Coverage in Ohio

Why do people buy homeowners insurance? When houses are destroyed or damaged by natural disasters like typhoons, floods, earthquakes or floods, the cost to repair or rebuild the house can be quite high. Homeowners insurance can pay for these costs as well as the cost of replacing stolen or damaged items or belongings.

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Also, homeowners insurance may cover the cost of injuries or damages suffered by other people while they are on your property if you are judged to be legally liable. If you are looking for discount homeowners insurance coverage in Ohio, it’s best to learn more about the integral elements of the insurance policy. 

There are two sets of perils in most homeowners insurance policies. A peril is described as an event that can destroy or damage your property. In covered perils, the policy will state all the perils which are to be covered. In excluded perils, the policy will state all the perils which are to be excluded. It’s very important that you read and understand all the terms and conditions in your homeowners insurance policy because insurance companies in Ohio prepare their own policies. Most homeowners insurance policies are quite similar but there may be small differences from company to company. 

Insurance companies in Ohio offer homeowners insurance packages, known as forms. The Broad Form as in HO-2 and HO-4 list all the covered perils. Any unlisted peril will not be covered by these policies. The most common homeowners insurance policy in Ohio is the Special Form which is the HO-3. This excluded peril policy covers damage or destruction caused to the building, except for the perils which are excluded. In terms of personal property, the coverage in HO-3 is similar to HO-2. One of the most comprehensive homeowners insurance policy in Ohio is the HO-5 which covers almost all types of perils, excluding floods, earthquakes, and wars. There are other homeowners policies like the HO-4 Tenant, HO-6 Condominium, and HO-8 Market Value. Since each policy has its advantages and disadvantages, you have to decide which policy best fits your needs and requirements. 

When considering homeowners insurance, it’s important that you do not make the error of underinsuring your property. In Ohio, you are advised to insure for the minimum of 80 percent of replacement cost needed to rebuild your property. The insurance company will only pay a portion of the repair bill if the insured amount is less than 80 percent of replacement cost. 

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Insuring your home is a big step and there are a number of ways to get discounts from insurance companies. If your house is new, you can get some discount. Insurance companies will also give discounts for houses which are equipped with burglar alarms, smoke detectors, and you can get even bigger discounts if these systems are the high-tech ones which alert the police or fire department. Also, you will get discounts if you insure your house and car together and you stand to enjoy even more savings when you renew your insurance policies with the same company. 

Discount Homeowners Insurance Coverage in Pennsylvania

Homeowners insurance is the best way to protect homeowners in the event that their homes are destroyed or damaged by fire, flood, storm, riot, earthquake or other risks. On average, Pennsylvania is visited by roughly 10 tornadoes a year, which makes it quite necessary to have homeowners insurance. In order to find the best discount homeowners insurance coverage in Pennsylvania, let’s begin by learning the fundamentals. 

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Before you begin your search for homeowners insurance, you have to know your requirements and needs. A homeowners insurance policy is basically a legally binding contract between you and the insurer. In the policy, the terms and conditions are specified in relation to the insurance of your home for various types of perils as well as the limits of coverage and the compensation scheme, among other things. 

There are many types of policies offered in Pennsylvania with various coverages. For instance, the Homeowners Basic Form provides coverage for damage caused by theft, malicious mischief, explosion, fire, windstorm, lightning, riot, smoke, aircraft, vehicles, personal liability, glass breakage, and volcano eruption. Then, there’s Homeowners Form which provides coverage for damage to the dwelling, other structures like fences, freestanding garages, and personal liability, except for damage caused by excluded perils such as flood or earthquake. Other types of homeowners insurance include Homeowners Broad Form, Homeowners Broad Form, Homeowners Older Home Form, and so on. All homeowners insurance policies exclude loss due to flood so you have purchase a separate policy from the NFIP. 

Other than protecting your home and personal property like furniture, appliances, and other belongings, homeowners insurance also provide personal liability. If some people suffer property damage or personal injury on your property as a result of your negligence, you may be sued. For instance, the person may be injured by your dog or the person may suffer a fall on a wet spot in your home. The basic coverage for personal liability provides up to $100,000 for each occurrence. Furthermore, medical payments will cover the medical costs of other people who suffer injuries on your property. 

Another thing to consider is actual cash value and replacement cost which also determines the recovery amount. Under actual cash value, the replacement cost of your home is calculated with a deduction for depreciation. Replacement cost refers to the cost it takes to repair or rebuild your home with similar materials without any deduction for depreciation. The state of Pennsylvania recommends homeowners to purchase 100 percent replacement cost to get the fullest protection. 

There are various ways to get discount homeowners insurance coverage in Pennsylvania. One way is to buy your homeowners insurance from the same company where you buy your life and auto insurance. Additionally, insurance companies will provide discounts to homeowners who install home security devices like smoke detector, burglar alarms, water sprinkler systems, and so on. The more sophisticated systems are very expensive so you will enjoy bigger discounts if you have those installed in your home.

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Try to find out about customer loyalty discounts, elderly homeowners discounts, and more from your insurance company. 

Discount Homeowners Insurance Coverage in Illinois

A home is a major investment and most homeowners purchase insurance to protect their homes. When you apply for a mortgage, most lenders make it a requirement for you to have homeowners insurance. Other than protecting your assets, homeowners insurance also covers your liability in the event that other people get injured on your property.

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If you are looking for discount homeowners insurance coverage in Illinois, it’s essential to get an overview of the fundamentals so that you can decide what coverage you need, and the amount of insurance. 

In Illinois, there are various IL homeowners insurance packages which provide coverage for various types of risks. The first type of coverage is Dwelling and it covers damage or destruction to your house as well as attached structures. Damage to fixtures like heating, electrical wiring, air-conditioning, and plumbing systems are also covered. The next one is Other Structures and it covers for damage or destruction to other structures which are not attached to your house like outdoor sheds, fences, cottages, freestanding garages, and so on. Then, there’s Personal Property which provides insurance for your possessions like appliances, electronic items, furniture, clothing, and more. Even if these items are not damaged in your home, Personal Property provides coverage for them. In the event that your house is damaged or destroyed, Loss of Use will cover your additional living expenses as your house is being rebuilt or repaired. If some other persons are injured or their property is damaged or destroyed on your property, Personal Liability will cover for your financial loss if you are found to be legally responsible or sued. Lastly, Medical Payments covers for the medical expenses of people who are injured by your pets or injured on your property. 

It’s also important to know that some homeowners insurance policies cover only named perils while there are also policies that cover all types of perils except for those which are specifically excluded. In Illinois, there are different types of homeowners insurance policies like Basic Form, Dwelling Fire Form, Broad Form, Tenants Form, Special Form, Modified Coverage Form, and Condominium Unit Owners Form. Find out from your insurance agent about the specific perils which are covered by these forms so that you can select the best deal for your home. The premium is also determined by the limits of coverage so you have to consider the cost of your house and your possessions. Typically, flood insurance is backed by the NFIP and it’s a separate policy. 

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When you are shopping for discount homeowners insurance in Illinois, you will be glad to find out there are some discounts that can be enjoyed. If your house has security devices like burglar alarm, smoke detector, sprinkler system or dead-bolt locks, you may qualify for some discount. Another way is to bundle your homeowners insurance with your auto insurance and life insurance to get special discounts from insurers. Elderly homeowners will also qualify for some discounts because they are at home more than younger homeowners who have to work so the risks of certain disasters are reduced. 

Discount Homeowners Insurance Coverage in New York

Most homeowners in the United States have homeowners insurance because it provides financial protection against losses due to disasters or other elements. If you house is destroyed or damaged by storms, fire, vandalism or even riots, including the items in your house, your homeowners insurance will provide coverage. When you are looking for homeowners insurance coverage in New York, you have to know the basics so you can get the best deal as well as adequate coverage. 

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It’s estimated that residents in New York spend about $870 on homeowners insurance in a year. There’s not so much trouble finding discount homeowners insurance in New York because there are over 200 home insurers in the state, and the premiums total close to $2 billion per annum. Generally, there are various types of homeowners policies in New York, and it’s up to you to select the policy which fits your requirements best. Before you start your search to find an insurance company, it’s highly recommended that you take some time to understand your needs. By determining what you want to insure in your homeowners NY insurance policy and the amount of coverage, you have already taken the first step towards finding a great deal. 

In New York, you can opt for named-peril homeowners insurance or all-peril homeowners insurance. In named-peril homeowners insurance, the policy only covers the risks which are named. The more general option is all-peril homeowners insurance where a number of risks are covered, except for the risks which are excluded in the policy. In New York, the most basic homeowner insurance policy is the HO-1. It provides coverage for hail, lightning, smoke, fire, explosion, windstorm, damage cause by aircraft, vandalism, volcano eruptions, and vehicles. The HO-2 is a homeowner insurance policy with wider coverage. Other than the risks covered in HO-1, it also covers leaks and certain malfunctions like burning, bursting or freezing of heating, fire-sprinkler, plumbing, and air-conditioning systems. Other covered perils include weight of snow, ice or sleet, falling objects, and damages caused to appliances and fixtures as a result of an electrical discharge. Then, there’s the HO-3 which covers all kinds of risk, excluding the specified ones, which typically include damage or destruction caused by nuclear accident, earthquake, landslide, sinkholes, war, mudslide, and flood. If you want to get coverage for flood, you have to purchase a separate policy. 

After deciding on the type of policy you want, you have to consider the reimbursement terms. Basically, there’s actual cash value and the other one is replacement cost. The coverage for actual cash means that your home is insured at a depreciated value. On the other hand, replacement cost means that your home is covered how the sum it takes to replace or rebuild it. However, it must be mentioned that there are various levels of replacement cost homeowners insurance and there’s usually a maximum reimbursement cap. If you want fullest protection, you should consider true replacement cost coverage. 

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When you are talking to a homeowners insurance agent, always ask for discounts like elderly home discounts, security devices discounts, customer loyalty discounts, and so on. You will be surprised to find out how much you can save. 

Discount Homeowners Insurance Coverage in Texas

Homeowners insurance offer financial protection in case your home or property is destroyed or damaged by fire, theft, smoke, explosion, vandalism, storm or other covered incidences. In your homeowners insurance policy, it will be stated what types of losses are covered and the limits of the coverage. If you are looking for discount homeowners insurance coverage in Texas, you should be aware of the fundamentals before you decide on an insurer. 

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In Texas, the typical homeowners insurance policy is a combination of five coverages. The first is Dwelling and it provides coverage for the destruction or damages caused to the house, other buildings or structures like outdoor sheds, standalone garages, fences, and so on. The second is Personal Property where the contents in your house like appliances, furniture, and other belongings are covered in the event that they are destroyed, damaged or stolen. The third is Medical Payments which covers the medical expenses of people who are injured in your house. In Texas, you are required to purchase medical payments coverage of up to $5,000. The fourth is Liability where damage to another person’s property or another person’s injury is covered in the event you are found to be responsible by law or you are sued. The minimum coverage is $25,000 but you may buy additional coverage of up to $1 million. Finally, there’s Loss of Use which essentially covers additional living expenses. If your house is damaged or destroyed, you may be required to move to a temporary abode so the policy will pay for the expenses. 

When you are looking for discount homeowners insurance in Texas, you should know that the insurance companies may offer various types of policies and you have to decide on the level of coverage. You have to realize that there are no hard-and-fast rules when it comes to homeowners insurance in the state. The insurance policy is a contract between you and the insurer so it’s up to you to decide what coverage you need as well as the limits. In Texas, the two types of policies are known as all-risk policies and named peril policies. The all-risk policy covers all losses except those that are excluded in the policy while the named peril policy will only offer coverage for the policy’s named causes of loss. Also, you should know about actual cash value and replacement cost. Generally, replacement cost is simply the cost to rebuild or repair your house which is to be calculated according to current construction costs and actual cash value refers to the cost to replace your house after the deduction for depreciation. 

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To get the best deal for homeowners insurance in Texas, you should have a clear idea about the types of coverage and the amounts of coverage. If you opt for higher deductibles, your premium will be lower but you must be sure that you can pay for the amount. Another way to get a discount is to upgrade your electrical, plumbing and heating systems to the modern standard. Always enquire with the insurance company about discounts because you may qualify if your house meets the requirements. 

Discount Homeowners Insurance Coverage in California

Many things can happen to a home and the consequences can be devastating, as in the case of a fire, storm, earthquake, robbery or flood. It can be a great financial strain to replace the home as well as your belongings in the event of a disaster.

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There are also instances where your pet may injure a guest or a visitor may sustain an injury while in your home. These are some of the main reasons is why homeowners purchase homeowners insurance. It offers financial protection in the event that a disaster or accident occurs. Here’s a general look at how you can get discount homeowners insurance coverage in California. 

When you are looking for homeowners insurance in California, you should understand that it’s a package policy which provides various types of coverage for the building and the contents, medical payments to others, liability claims, additional living expenses, and so on. A single premium amount is paid for the types of coverage, depending on your needs and requirements. Generally, you have to determine the types of coverage and the limits because you are the owner of your home. If you just rely on the insurance agent or company, you may find that certain coverages may not be necessary.

A standard homeowners insurance policy will provide coverage for all the structures in your home and the contents. Losses due to theft, explosion, fire or lightning, aircraft, storms, riots or civil demonstrations, vehicles, breakage of glass, vandalism, and smoke will also be covered. If you have suffered any loss of use or higher living expenses due to the insured loss, you will be covered. In the event that any member of your family, including your pet, causes an injury or damages to another party, the costs will be covered by homeowners liability insurance. If somebody is injured at your home, the medical expenses will be covered by medical payments insurance. At this point, it’s also important to know that coverages for flood and earthquake in California are only available as separate policies. However, the company that provides homeowners insurance to you is under obligation to provide insurance for flood and earthquake as well. If you need a higher level of protection for your home, you can consider a building code upgrade coverage. 

In California, you can opt for actual cash value or replacement cost value policy. In the event that your home is completely destroyed, you will not get a complete replacement because the coverage is calculated at fair market value, taking into consideration the deduction for depreciation. If you opt for guaranteed replacement cost, you will most likely be able to obtain the necessary coverage to rebuild your home completely. 

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As for discounts, you should be able to get some savings if your home is equipped with burglar alarms, smoke detectors, sprinklers, and other such devices. Also, you are likely get some discount on your homeowners insurance policy if you use the same insurance company because it wants to reward customer loyalty. Don’t be afraid to ask for discounts as you are searching for the best insurance company. 

Discount Homeowners Insurance Coverage in Wisconsin

Wisconsin is vulnerable to many different kinds of natural disaster, including floods, blizzards, hail storms, wind storms, and even earthquakes. There are more than 7,000 lakes and streams in Wisconsin, making many areas in the state more prone to flooding. When a natural disaster strikes, it can cause severe damage to your home, and it may even ruin it completely.

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You will have to spend a lot of money to repair or rebuild your home, and you may find yourself facing serious financial trouble. Besides natural disasters, your home can also be damaged because of fire, vandalism, burglary, accidents, and other adverse events. 

Wisconsin law does not require you to obtain homeowners insurance, but you should do so nonetheless. Homeowners insurance will give you protection against certain damages that result from unexpected misfortunes, and it ensures that you will not suffer serious financial loss. It is necessary that you obtain homeowners insurance if you are getting a home loan. Home loan providers in Wisconsin make it compulsory for homeowners to provide proof of insurance coverage when they are applying for a home loan. You will have your application rejected if you fail to show that your home is insured.

Most Wisconsin homeowners insurance policies contain four kinds of coverage, which are dwelling and personal property coverage, personal liability coverage, medical expenses coverage, and additional living expenses coverage. The first type of coverage offers protection against damage or loss of your home and the personal belongings in it. It usually covers other structures that are on your property as well, such as garage, tool shed, and others. Personal liability coverage will pay for the financial losses that are incurred when someone who does not belong to your household sues you for damages that occur on your property. If someone else sustains injuries while he or she is on your property, medical expenses coverage can be used to pay for his or her medical expenses. If your home is damaged because of a covered reason and you have to stay someone else while it undergoes repair, additional living expenses coverage will provide reimbursement for your lodging and food expenses. If these coverages do not meet all your insurance needs, you can purchase optional coverages or umbrella policies.

The average homeowners insurance premium in Wisconsin is one of the lowest in the country. As such, it should be easy for you to find an insurance policy that suits your budget. When you are buying your homeowners insurance, you should ask your insurance company whether you are eligible for any discount. Most insurance companies in Wisconsin offer a wide range of homeowners insurance discounts, and you can get a significant premium reduction if you qualify for one or more of these discounts. Some of the discounts that are available include multiple-policy discount, protective devices discount, fire-resistant discount, non-smokers discount, and long-term policyholder discount.

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The amount of discount that you can get varies from one insurance company to another, and it can range from 2% to 20%, depending on which type of discount you qualify for. 

Discount Homeowners Insurance Coverage in Washington

While homeowners insurance is not mandatory in Washington, most homeowners in the state have some form of insurance coverage for their homes. Homeowners insurance is very important, because it can help you avoid financial disasters that can ruin your life. In the event that your home is severely damaged by a natural disaster, fire, burglary, vandalism, or other unfortunate events, you may have to spend thousands or tens of thousands of dollars to repair it.

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One misfortune can make you lose all your hard-earned savings. However, if you have adequate insurance coverage for your home, you do not have to pay out of your own pocket. Your insurance company will pay for the damages, and you can carry on living a normal life after the repairs are done. 

If you are planning to obtain a home loan in Washington, it is compulsory that you purchase a homeowners insurance policy. Mortgage lenders in the state will ask you to provide proof of insurance when you apply for a home loan, and they will not approve your application if they know that your home uninsured. The minimum coverage that is required to get a home loan may vary from one lender to another, and it is important that you purchase enough coverage to meet your lender’s requirements. 

The standard homeowners insurance policy that is offered by insurance companies in Washington covers loss or damage of property, personal liability, and medical expenses for other people’s injuries. This kind of policy is usually offered to homeowners who are staying in their primary places of residence. The coverages that are provided in a standard policy are sufficient to cover most kinds of damages, but you can also purchase optional coverages to get better protection. Some of the optional coverages that are available in Washington include additional living expenses or loss of use coverage, home business coverage, home daycare coverage, secondary residence coverage, earthquake coverage, flood coverage, theft coverage, sewer backup endorsement, watercraft endorsement, forgery coverage, and umbrella liability policies. These coverages are offered to meet the special insurance needs of certain homeowners.

Since there are so many insurance carriers offering Washington homeowners insurance policies, you may have trouble deciding which company to buy from. You can start by listing all your home insurance needs. If you live in an area in the state that is especially prone to flooding, you should include flood coverage in your list. Then, approach several reputable insurance companies to find out about the coverages and exclusions in their policies, as well as the rates they offer. By comparing offers from the companies, you will know which one provides the best insurance deal for you. 

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It is also essential that you find out if you are eligible for any homeowners insurance discount. Usually, insurers in Washington will offer a discount to homeowners who have installed security devices and anti-fire devices in their homes. You will also be eligible for a discount if you buy multiple policies from one insurer, which can include home, auto, and health policies. Some insurance companies also give disc