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Illustrated backyard between a white house with a tree swing and a garage with a basketball hoop, with a child’s bike and a purple ball on the lawn

Insurance for families

everyone you love,
covered together.

The house, the cars, the new driver, the nanny and the lake house. One advisor who knows your family and the carriers built for it.

get started

MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

the whole
household, one plan.

The house, the cars, the pool and the people who help. Tap around to see how it fits together, and where the gaps usually are.

Illustrated cutaway of a family home: bunk beds and a nursery with a purple stroller upstairs, a kitchen and living room below, a basement with a water heater, a pool with a float and a trampoline in the yard, and two SUVs in the driveway, one with a student driver sign

home insurance

The house

Rebuilt the way it was.

car insurance

A new driver

Listed and priced right.

excess liability

A guest hurt at the pool

Pays past your home limit.

household staff

The nanny

Workers’ comp for staff on your payroll.

home insurance

The house

Rebuilt the way it was.

Examples. Your policy sets the details.

life changes. your
coverage should too.

Pick a moment to see what we add.

A new driver

A new driver, priced right.

We add them, find the discounts and raise your excess limit, since new drivers are the biggest liability risk most families have.

what we add: Car and excess liability. Illustrated white SUV with a purple student driver sign on the roof

rough night?
make one call.

One call to us. We bring in the carrier, find you a place to stay if you need one and follow it until it’s closed.

  1. 1. Call us first

    Tell us what happened. Photos help.

  2. 2. We bring in experts

    Adjusters, repairers and the carrier, lined up for you.

  3. 3. We push it through

    Repairs and payouts, followed to the end.

the best price, without the shopping.

Tell us about your home and family once. We compare the carriers and bring back your options, side by side.

The Hale family

Hypothetical illustration, not a client

your options

$24,300a year, one plan

3 options, same coverage

Option A$24,300

Option B$26,800

Option C$29,900

2 homes4 carsNannyTeen driver
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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buying a new property?

Get the insurance questions ready before closing. Use the worksheet and policy inventory with your current broker.

Put them on one program and we shop them together at every renewal.

good to know.

Straight answers for families.

What insurance does a wealthy family need?
Typically home insurance for each property, car insurance for every vehicle and driver, excess liability, valuables coverage, and workers’ comp for household staff. Many families also add flood, personal cyber and coverage for boats. The right mix depends on what you own and who’s in the household.
How do we insure a new teen driver?
Add them to your policy before they drive, usually assigned to a specific car. Good grades, driver training and a safer car can lower the cost. It’s also a good time to raise your excess liability limit, since new drivers raise a family’s liability risk.
Do we need workers’ comp for our nanny?
In many states, yes, and it’s often a good idea even where it isn’t required. It covers medical bills and lost wages if your nanny is hurt on the job. Rules vary by state and hours worked.
Is our vacation home covered by our main policy?
Usually not fully. A second home typically needs its own home policy, and it should be listed on your excess liability. Seasonal and rental use can change what’s covered, so tell your advisor how the home is used.
How often should we review our family’s insurance?
It depends on how often your household changes, but a good habit is at every renewal and after any big change: a new home, a renovation, a new driver, new staff, a major purchase or a move. Rebuild costs and liability needs change over time, and limits should keep up.

Insurance words, in plain English: scheduled personal property · agreed value

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA