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YourPolicy is not an ordinary company. We challenge the traditional methods of shopping for auto, home, life and commercial insurance. As a technology-enabled, direct-to-consumer distribution platform, we make it easy for our customers to shop the nation’s leading insurance carriers. We solve the complexities of insurance shopping. How do we do this? We connect technology and live agents with our convenient, direct-to-consumer distribution platform. We remove the friction and give you a smooth process from beginning to end.
We provide Auto, Home, and Life Insurance.
We represent over 100 of the nation’s leading insurance carriers.
We don’t just provide insurance quotes. Our team of expert agents handles every step of the process, making choosing your life insurance simple and painless. They’ll help you to custom tailor a plan based on what is ideal for you and your family.
Even though we receive a commission from the insurance company each time a policy is sold, we don’t present carriers to you based on compensation. We find the best fit for your needs.
Many insurers select their policy too quickly after purchasing a car. Don’t choose your auto insurance without carefully looking at the details of the policy. YourPolicy can help you compare policies in minutes, and get an affordable rate with coverage to protect you, your car and your passengers.
You should shop for car insurance before your current policy expires, when you purchase a new car, and when you have a new driver. Be prepared with your old policy, driver’s license and VIN numbers on hand before you start the process. Finally, be ready with the following questions:
Most states require some level of auto insurance, but you want to be sure that the minimum is enough to keep you and your family protected. YourPolicy agents will be able to help you find the best coverage in your particular situation at a price that fits your budget.
Yes. We can help you find insurance for RVs, motorcycles, boats, and ATVs.
Adding your new teen driver to your existing policy could increase your rates. However, many of the larger companies offer a “good student” rate. Typically, a GPA of 3.0 or higher, qualifies for a discount.
Car insurance rates can be based on your zip code, driving record, age, marital status, credit score, and choice of car. Of course, the amount of coverage that you decide to buy is an important factor when determining your rate. Auto insurance at YourPolicy is quick and easy. Our agents can help you find coverage that fits your needs in just minutes.
Telematics is a system that tracks your driving behavior through the transmission of computerized information. Many companies give a small discount for downloading the app and a larger discount is applied depending upon your driving analysis.
At a minimum, the policy should cover vehicle and property damage, injury-related expenses and legal fees for other people involved in an accident that you cause. You and your car, however, are not automatically covered by state-mandated minimum coverage limits. You can depend on YourPolicy agents to explain what you need and find the best coverage for your situation.
Absolutely! Here are a few tips to help you lower your premium:
YourPolicy agents are committed to finding you the best policy for your needs and your budget.
Yes. Your car insurance applies to any driver listed on your policy, so be sure to list all drivers in your household. You may have some protection for licensed drivers not listed on your policy such as extended family or friends who don’t live with you.
Comprehensive car insurance covers losses if your car is stolen or damaged by something other than a collision. This includes:
The maximum comprehensive coverage payout is the actual cash value of your vehicle minus the deductible you choose. Comprehensive coverage limits and deductibles are state-mandated and required if you have a loan or lease your vehicle.
Your car insurance covers only repairs needed as the result of an accident, vandalism, or a weather event. If you’re concerned about covering other repairs, consider adding collision and comprehensive insurance to your policy.
Deductibles are the amount of money that you pay out-of-pocket before your insurance kicks in. Deductibles typically range from $100 to $1,000 and only apply to comprehensive and collision coverage. Higher deductibles keep monthly premiums low, but your deductible should be no more than you can afford in the event of a loss.
Once you exchange information, you can file a police report. After you leave the accident site, contact your insurance agent quickly while your memory is still clear. Be ready with the following information:
Home insurance policies protect you from unexpected events ranging from weather damage to theft.
The limits on your policy should be high enough to cover the cost of rebuilding your home at current market rates. Be careful not to buy insurance based on your mortgage as it may not cover the cost of rebuilding.
Yes. There are four main types of home insurance.
Home insurance differs from state to state. It typically does not cover damages from natural disasters such as earthquakes, tornadoes and floods. You can, however, purchase policies to cover these events.
Home insurance policies will consider home improvements, your location, your health status, and how you secure your home.
You can qualify for additional discounts by bundling your home and auto insurance, being a long-time customer, having a history of no claims, or choosing a higher deductible.
No. Home insurance is not tax deductible. The IRS will not allow you to itemize any insurance premiums, even if they are included in your mortgage payments.
A standard insurance policy may not be enough to replace high-value items such as expensive jewelry, art, or antiques. These items may need to be insured separately for coverage beyond a standard policy.
Water damage has to be sudden and internal, never having touched the outside ground. It has to be the result of one of 16 perils covered by standard home insurance.
Standard home insurance policies require water damage to be sudden and internal, with the requirement that the water has never touched the outside ground. This means the water damage must be the result of one of the 16 perils covered by homeowner’s insurance. Your policy will likely cover damage from:
There are additional coverages that can be added with an umbrella policy.
Water damage caused by neglect or lack of maintenance is not covered.
Additional situations where your standard home policy may not cover water damage are:
Your policy could cover either replacement cost or actual cash value. Actual cash value coverage takes depreciation into account, so you may receive less than originally declared. Replacement cost coverage can be more expensive but will reimburse you for the originally declared cost of your home and your belongings.
Our team of expert agents here at YourPolicy will shop the top companies, compare prices and coverage, and connect you with the best options for your lifestyle. After selecting a plan, you’ll have to complete a medical exam. After the exam, a YourPolicy agent will offer you a customized plan based on your needs.
When you buying life insurance, individual needs vary. We recommend that you talk with one of our licensed sales agents to help determine the right coverage for your lifestyle and your budget. It’s a good idea to consult your attorney or financial advisor for any financial planning advice.
Don’t cancel your old policy until the process for the new policy is completed and you’ve received notification from the insurance company that it is in force. Check whether or not your new policy has contestability and suicide period provisions, and keep in mind that the surrender of cash value policies may involve tax consequences.
Losing a stay-at-home spouse who is not earning income can lead to increased costs in child care and time away from work for the surviving spouse. you also need to consider final expenses and outstanding debt. Our recommendation is at least 50 percent of the primary breadwinner’s term life coverage for the stay-at-home spouse.
It takes approximately 4-7 weeks after the application is submitted to get the policy.
Some companies do require a brief medical exam for term or permanent life insurance. This exam is typically less than 20 minutes and can be done at your home or office. The exam is at no cost to you.
Yes. Your policy renews automatically with no medical exam required. There is a chance that premiums may increase if carriers raise prices. If this happens, we can look at other options to make sure that you’re still covered within your budget.
The term of your coverage is dependent upon how long you expect your beneficiaries to depend on your income. You’ll probably want to protect your children until they reach the age of 18 or finish college. To cover a mortgage, choose a policy that will cover you for the length of the loan. Coverage for your spouse should be in effect until retirement.
Yes. If life events compel you to change coverage, we can help you to modify your existing policy or shop for a new one.
Term life insurance is straightforward and easy to understand. As the name suggests, it’s good for a certain period of time (a term). A whole life policy lasts as long as you pay the premiums.
Yes. Should your insurance needs change, you have the flexibility to convert your policy to whole or universal life at various times during the policy’s term. This benefit, however, does expire. If you do decide to convert your term policy to permanent insurance, you won’t have to take another medical exam or reapply.
Yes. No one, other than YourPolicy and the insurer that you choose, has access to your information. We will never sell your personal information.
There are too many variables to simply estimate a cost. Insurance carriers can have complicated rating systems and require accurate information to determine an actual price. YourPolicy is happy to work on getting you a custom, accurate quote as quickly as possible.
Business income costs can vary from risk to risk. If this coverage is packaged with a Business Owner’s policy, it can be very inexpensive. Keep in mind that it depends on total revenue or sales that you are protecting and the length of time you want the coverage to last.
If your coverage is rated based upon size of payroll, adding additional payroll costs should be reported right away so that your premium can be adjusted to reflect this change. This will invariably result in additional premium costs, and that increase will depend upon the type of business you are engaged in.
With many carriers, yes. More revenue often equates to more risk/liability, and the carrier needs to charge a premium to properly cover the risk.
A Form E filing is an electronic filing for truckers filed with the FMCSA that is tied to their MC# and shows whether the carrier is current or not with their liability insurance. This is generally verified by a police officer if pulled over or at a highway weigh station.
If serving liquor is in any way associated with your business, you should have the protection of Liquor Liability. This protects you in the unfortunate event that a customer causes an accident on or off the premises due to over-consumption of liquor.
It depends on what percentage of the revenue comes from snow plowing. Most carriers will cover it if it is a minimal portion of the revenue. However, if it is a large percentage of the revenue, that risk needs to be specifically rated for on your policy.