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Home & auto

Property and casualty coverage, usually bundled

Home and auto are the policies most people already have and least often read. Bundling them with one carrier usually earns a discount, but the bigger issue is whether the coverage limits still match reality. Building costs and car values have moved a long way in a few years; policies renewed on autopilot often haven't.

The two numbers worth knowing on your home policy are whether it pays

replacement cost

or

actual cash value

, and whether your dwelling limit would actually rebuild your house today. On auto, it's your liability limits — state minimums are far below what a serious accident costs.

Who needs it

  • Anyone who hasn't compared rates in three years
  • Homeowners who've renovated or extended
  • Families adding a teenage driver
  • Anyone whose premium jumped at renewal
  • People carrying state-minimum liability limits

Questions worth asking

  • Would my dwelling limit actually rebuild my house at today's costs?
  • Replacement cost or actual cash value — and on the roof specifically?
  • Are my liability limits enough to protect what I own?
  • What's excluded — flood, water backup, earthquake?

Worth knowing

The mistake people make: carrying state-minimum liability. If you cause a serious accident, the amount above your limit comes from you. Raising liability limits is usually one of the cheapest changes on the whole policy. We're still growing our Home & Auto bench — three Village agents currently write it. If none are licensed in your state yet, tell us and we'll let you know when that changes.

Home & Auto specialists in the Village

6 verified agents. You pick one, and only that agent contacts you.

Where the Village can write Home & Auto

33 states covered so far. Pick yours to see who can actually write there.