Home & Auto Insurance

Complete Asset Protection Under One Unified Policy

Your home and your vehicle are two of the largest purchases you will ever make. Protecting both should be simple, comprehensive, and cost efficient. Home & Auto Insurance bundles your property and automobile policies into a single, streamlined plan that delivers maximum coverage with minimal administrative hassle. When you combine these essential protections, you are not just saving money on your premiums; you are creating a unified safety net that covers every major aspect of your financial life.

Consider this scenario: A severe storm damages your roof, and a falling tree branch crushes your car in the driveway. With a bundled policy, you file one claim, work with one agent, and receive one settlement. This eliminates the finger pointing that often happens between separate insurers and speeds up your recovery.

Comprehensive coverage for your home includes:

• Dwelling Protection: This covers the physical structure of your house, including the walls, roof, and foundation, against perils such as fire, lightning, windstorms, hail, and vandalism.
• Other Structures: Detached garages, sheds, fences, and guest houses are also protected under your policy.
• Personal Property Protection: Your furniture, electronics, clothing, and appliances are covered against theft and damage, both inside your home and away from it. We offer actual cash value or replacement cost options.
• Loss of Use: If your home becomes uninhabitable due to a covered event, we pay for your hotel stays, restaurant meals, and additional living expenses while repairs are made.
• Personal Liability: If a visitor slips on your icy sidewalk or your dog bites a neighbor, this coverage pays for their medical bills and legal defense fees.
• Medical Payments to Others: Minor injuries on your property are covered without the need for a lawsuit, keeping relationships friendly.

Robust coverage for your auto includes:

• Liability Coverage: Pays for bodily injury and property damage you cause to other drivers and their vehicles. This is mandatory in most states, and we recommend limits that protect your personal assets from lawsuits.
• Collision Coverage: Repairs or replaces your car if it flips over or collides with another object, regardless of who is at fault.
• Comprehensive Coverage: Covers non collision events like theft, fire, falling objects, hail damage, and animal strikes.
• Uninsured and Underinsured Motorist: Protects you, your passengers, and your vehicle if you are hit by a driver who has no insurance or insufficient limits.
• Roadside Assistance: Add on towing, jump starts, flat tire changes, and fuel delivery for those unexpected breakdowns.
• Rental Reimbursement: We cover the cost of a rental car while your vehicle is in the shop after a claim.

By bundling through ExecutivePlus.us, you unlock significant multi policy discounts that can reduce your total annual premium by 20% to 30%. Our independent agents shop multiple carriers to find you the best combination of rates and coverage. One policy, one renewal date, one trusted advisor.