Insurance guide
Detailed guides to specific programs, coverage options, and policy features offered by major insurers.
Companies covered
Company guides
Allstate Claim RateGuard can protect against a claim-related premium increase, while Deductible Rewards can reduce an eligible homeowners deductible by up to $500 over time.
Company guides
Embrace Wellness Rewards is a non-insurance membership that provides a flexible annual allowance for routine and preventive care without an insurance deductible or copayment.
Company guides
Erie Service Line Coverage can help with covered failures of exterior underground sewer, gas, electrical, cable, internet, and other service lines, including related excavation and property damage.
Company guides
Fetch currently includes eligible sick-visit exam fees in base accident-and-illness coverage and provides up to $1,000 per year for qualifying boarding when the pet owner is hospitalized.
Company guides
Lemonade's optional Vet Visit Fees add-on can make examination fees for eligible accidents and illnesses reimbursable, while routine wellness exams remain a separate coverage category.
Lemonade currently offers several preventative-care structures for routine exams, vaccines, wellness testing, parasite prevention, dental cleaning, and young-pet procedures, with availability varying by state.
Lemonade Pet currently uses an app-based reimbursement process: pay the vet, collect an itemized invoice and medical records, submit the claim, and receive approved reimbursement to your bank account.
Lemonade renters Loss of Use coverage can reimburse extra housing and living costs when a covered event makes the rental uninhabitable, subject to policy limits and documentation.
Company guides
Liberty Mutual Water Backup is optional homeowners coverage for damage from sewer backups and sump-pump failures, risks that standard home insurance often excludes.
Liberty Mutual Blanket Jewelry is an optional renters add-on that currently covers lost or stolen jewelry without an ordinary deductible or up-front appraisal.
Company guides
Nationwide Better Roof Replacement is an optional homeowners endorsement that can rebuild a covered damaged roof with stronger, safer materials rather than only like-for-like replacement.
Nationwide Brand New Belongings is an optional feature that can help pay beyond depreciated value toward repairing or replacing covered belongings after an eligible loss.
Company guides
Pets Best Vet Direct Pay redirects an eligible processed claim reimbursement to the veterinary clinic after the customer submits a claim and signed reimbursement release form.
Company guides
Spot Gold currently provides up to $250 in annual preventive benefits, while Platinum provides up to $450 and adds several routine-care categories with higher fixed allowances.
Company guides
State Farm Drive Safe & Save currently uses mileage and driving characteristics collected through its app and Bluetooth beacon, while also showing detailed trip feedback on driving behavior.
State Farm's auto-and-renters bundle can create a multi-policy discount, but the auto and renters contracts keep separate coverages, deductibles, limits, and claims.
Company guides
Travelers Green Home Coverage can help pay the additional cost of repairing, replacing, or rebuilding with eligible green materials after a covered homeowners loss.
Company guides
Trupanion VetDirect Pay can let participating veterinary hospitals submit a covered invoice and receive Trupanion's share directly at checkout, leaving the pet owner to pay only the remaining share.
Company guides
USAA renters insurance currently includes military-specific features for PCS moves, storage, overseas mobility, and covered personally owned uniforms and gear.