Coverage Needs Assessment

Answer 3 quick questions to find your recommended protection level.

1. Do you own a home or have significant savings?

This helps determine your Liability needs to protect your assets.

2. Is your vehicle financed or leased?

Lenders usually require specific coverage types.

3. Could you afford to replace your car if totaled?

Assume the repair/replacement cost is $5,000+.

Recommended Policy Strategy

Full Coverage

You need robust protection for both your assets and your vehicle.

Bodily Injury & Property Damage (Liability)

100/300/100 Limits

Comprehensive & Collision

Required for vehicle protection

Uninsured Motorist

Highly Recommended

Why this recommendation?

Based on your answers, you have assets that could be targeted in a lawsuit, so high liability limits are crucial. Additionally, since you cannot easily replace your vehicle out-of-pocket, Comprehensive and Collision coverage is necessary to protect your mode of transportation.