PERSONAL (OWNER-OPERATORS)

Home, auto, and umbrella for investors and contractors

Your own house, your own cars, and the umbrella that protects what you've built.

Homeowners, personal auto, and personal umbrella — bundled for investor-operators and contractors who want their own assets covered the same way they cover their business. Renters welcome too.

What's in the policy

Homeowners (HO-3, HO-5) and condo (HO-6) for your primary residence
Personal auto — multi-driver, multi-vehicle, classic, motorcycle
Renters (HO-4) — yes, even if you're an investor renting your own home (it happens)
Personal umbrella — strongly recommended for anyone with real assets, real net worth, or active rentals
Scheduled personal property — jewelry, fine art, firearms, collectibles
Replacement-cost vs. actual-cash-value strategy review

Who it's for: Investors and contractors who want their personal exposure handled by the same broker who handles their business.

FAQ

Questions other personal (owner-operators) operators ask

Should I bundle my home and auto?

Almost always — bundle discounts run 8–18%. We'll shop the bundle alongside standalone quotes and show you both.

Why does an investor need a personal umbrella?

Because the lawsuit doesn't care which entity you're sued under, and a $1M umbrella is one of the cheapest dollars of coverage you'll ever buy ($300–$600/year for most). If you have real assets, you need it.

Can my LLC name be on the umbrella?

Personal umbrella protects you personally. For your LLC's exposure, we'd add a commercial umbrella instead — and many investors carry both.

Get a personal (owner-operators) quote

Two-minute form, then a 30-minute review. We'll bring quotes from multiple carriers to the call.

Book a 30-min review →