What is personal insurance?

Personal insurance, also called personal lines, covers individuals and households: auto, homeowners, renters, condo, umbrella, and recreational vehicles. Business insurance covers a company's operations, vehicles, property, and employees.

Can PolicyChecked help with both my personal and business insurance?

Yes. Choose personal or business when you set up your free account, and a licensed agent can review either or both with you.

What should I upload for a free policy check?

Your declarations page works best: it is the summary page that lists vehicles or property, limits, deductibles, and the policy period. Auto insurance ID cards and full policies work too.

Will AI tell me what insurance to buy?

No. The AI lists what your documents say and suggests questions to ask. Recommendations about coverage, limits, and price come only from a licensed insurance agent.

Personal insurance

Auto, home, and personal insurance, explained

Most households have three or four policies from different companies, each renewing at a different time. Here is what each one commonly covers, what it usually leaves out, and what to check on your own declarations pages.

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What personal insurance protects

What you drive
Auto insurance for cars, pickups, and SUVs, plus separate policies for motorcycles, boats, RVs, ATVs, and snowmobiles.
Where you live
Homeowners, renters, and condo policies cover the building or your part of it, your belongings, and somewhere to stay after a covered loss.
What you could owe others
Liability on your auto and home policies, with a personal umbrella for extra limits above them.
Land, rentals, and the farm
Landlord policies for homes you rent out, and farm and ranch policies that bring the home and the operation together.

Personal coverage guides

What each policy commonly covers, what it usually leaves out, and what to check on yours.

This page is general information about how these policies commonly work. Every policy's own forms, endorsements, and exclusions decide what it covers. For advice about your situation, talk with a licensed insurance agent.

A once-a-year household insurance checkup

What to check on your own policy

Every vehicle, driver, and property listed correctly
Liability limits on auto and home, and whether they line up with an umbrella
Your homeowners wind and hail deductible, and how your roof is valued
Sewer and drain backup, flood, and other common exclusions
Scheduled valuables such as jewelry, firearms, and collections
Listed renewal dates for every policy in the household

Not sure what your policy says?

Upload your declarations page. The free AI coverage check lists your coverages, limits, and deductibles in plain language and flags items to discuss with a licensed agent.

Check Your Coverage

Where we work

Own a business too? See business insurance

Personal insurance questions

Know what you're covered for before you need it.

Check your coverage free in about a minute, then talk with a licensed agent about anything you want to change or quote.