Coverage
What each card in the wallet actually covers
Plain English, no endorsement jargon. Every line below has its own carrier shortlist and its own quote path — start with the renewal that's due next.
Home & property
The house and what it costs to rebuild it — not what a website thinks it's worth. We walk the numbers with you before any carrier prices it.
- Rebuild cost set from local trade prices, not an online estimate
- Contents, valuables and the equipment in the home office
- Water, storm and fire — including the deck you added last summer
- Liability for the day the courier meets the loose porch step
Worth knowing: most underinsured homes got that way one renovation at a time. Tell us about the kitchen.
Auto
Daily drivers, the weekend truck and the kid who just got a licence. We price the household as one file — that's where the multi-car money is.
- Liability, collision and comprehensive — explained before you choose
- Teen and new drivers priced across carriers that actually want them
- Agreed value for the restored pickup in the shed
- Rideshare and delivery use declared properly, so claims stick
Worth knowing: loyalty is the most expensive feature on an auto policy. We re-shop every renewal.
Business
Shopfronts, trades and contractors. One card covers the premises, the stock, the liability and the van — from $42 a month for a small shop.
- General liability that certificate-holders accept the first time
- Property, stock and tools — on site and in the van
- Business interruption for the weeks the doors are shut
- Workers' comp and commercial auto, wrapped into the same file
Worth knowing: your lease probably dictates your limits. Bring it — we read leases for free.
Life
Term cover sized to the mortgage and the years until the kids are out. No investment products, no dinner seminars.
- Term life sized to the debt and the school years, not a sales target
- Priced across carriers on your health, not one company's tables
- Beneficiaries and ownership set up correctly the first time
- Reviewed as the mortgage shrinks, so you stop paying for cover you've outgrown
Worth knowing: the cheapest week to buy life cover was last week. The second cheapest is this one.
How your premium is actually decided
No carrier shows you the algorithm, but five inputs move every number on the page. We work all five before you ever see quotes.
- 01What it costs to rebuild or replace — the biggest lever, and the one most websites guess
- 02Deductibles — the cheapest premium is often just a bigger promise from you at claim time
- 03The claims history carriers already know about — better explained than discovered
- 04How the risks stack — bundled files earn real discounts because they're stickier business
- 05Which carrier wants your kind of risk this year — it changes annually, which is why we re-shop
Can you quote just one policy?
Yes. Most wallets start with a single renewal. Bring us the one that stung this year.
Will you ever tell me not to buy something?
Regularly. Cover you don't need makes the wallet fatter and the claims worse. The advice is the product; the policy is just the paper.
Bring us the renewal that stung.
Ten minutes of facts, then the market does the arguing. You keep the difference.