What We Cover
A household carries more policies than most people expect. Podium doesn't just look at one of them — connect a policy, and it gets its own ranked podium against major carriers, built for that exact product. Hold an auto, a home, and an umbrella policy? That's three podiums, each judged on its own terms. Below, the standard policies most households hold, then the accessory coverage that sits alongside them — expand either one for the less common lines.
HOW THE REVIEW WORKS
One Podium Per Policy
Most tools stop at your car. Podium works at the product level — every policy you hold gets ranked on its own, not folded into a single household score.
Say you carry an auto policy and a homeowners policy. Connect both, and you get two separate podiums: one ranking auto carriers against your exact driver-and-vehicle profile, and another ranking home carriers against your exact property. Add an umbrella policy, and that's a third. Own a boat or a scheduled ring, too? Each of those gets weighed the same way. A carrier that wins your auto podium isn't necessarily the one that should win your home podium — so we don't assume it is.
Auto is simply the most straightforward line to run — driver, vehicle, and coverage limits line up cleanly across carriers — which is why we lead with it below. The model is the same for every product on this page: connect a policy, get a podium.
Auto & Homeowners
The two policies most households actually hold. These are the most straightforward lines to run and usually where the largest amount of money is sitting. Each one gets its own podium.
Auto
Auto is the most straightforward line to run, because a driver-and-vehicle profile is easy to match exactly across carriers. We pit major carriers against each other for your exact profile — same driver, same vehicle, same coverage limits — so the only thing that changes between carriers is the price and the name on it. You see the ranked results side by side and pick your winner; we handle the switch, with zero gap in coverage.
It's the simplest product to run, not the only one — every other line on this page gets the same product-level treatment.
Homeowners
We run homeowners carriers the same way we run auto carriers — same property, same coverage limits, same deductible, ranked side by side. It's often the first policy people think about the moment a mortgage lender asks for a binder.
Pairing home and auto with one carrier sometimes beats splitting them and sometimes doesn't, which is exactly the kind of question a per-policy podium answers instead of assuming.
Less common home coverage (Condo, Renters, High-value home, Landlord, Flood)
Condo
A condo policy (often called HO-6) picks up where your association's master policy leaves off — covering your unit's interior, your personal property, and your liability. If you're buying or already own a condo, it's worth confirming exactly where the association's coverage ends and yours needs to begin — then comparing it the same way you would any other policy.
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Renters
Renters gets the same ranked podium as any other line — and it's often the smallest and most overlooked policy in a household, with many carriers offering a discount for pairing it with your auto policy. Moving is a natural moment to check whether you have it at all.
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High-value home
A high-value home is a different underwriting problem from a standard one, not just a bigger version of it. The carriers that specialise in it price on guaranteed replacement cost rather than a capped dwelling limit, schedule contents on an agreed-value basis, and have their own appetite for things like older construction, waterfront exposure, or a long list of scheduled items. Standard-market carriers often either decline the risk or cap it somewhere that leaves you underinsured.
Because the specialist market is a genuinely different set of carriers, it gets its own podium rather than being folded into the homeowners one.
Some homes cannot be written in the standard market at all — real coastal exposure, an older property, or a house another carrier has already declined. Those go to the surplus-lines market: specialist carriers who write what the standard market won’t. Most brokerages either don’t hold those appointments or don’t want the work. We do, because an asset nobody will insure is the most expensive gap a household can have.
Surplus-lines carriers are regulated differently from admitted ones and are not backed by the Massachusetts Insurance Insolvency Fund. When a policy is surplus-lines we tell you so, and why it is the right answer for your house.
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Landlord / Dwelling Fire
If you own a property you rent out — a single unit, a duplex, a place you used to live in yourself — a standard homeowners policy usually isn't the right fit. Landlord (dwelling fire) coverage protects the structure and your liability as the owner; your tenant's belongings are covered separately, under their own renters policy. It's part of the picture the moment you become a landlord.
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Flood
Flood damage is specifically excluded from a standard homeowners policy — it has to be purchased separately, typically through the NFIP or a private flood carrier. If you're near water or in a flood zone, it's worth confirming you actually have it rather than assuming your homeowners policy includes it.
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Umbrella & Jewelry
The coverage that sits on top of, or alongside, the policies above — extra liability protection and the specific items a standard policy quietly caps. Each is its own product, and each gets run the same way.
Umbrella
An umbrella policy adds a layer of liability protection on top of your auto and home limits — typically $1M+ of coverage for a few hundred dollars a year. We run it the same way we run any other line, and we'll flag when it's worth asking about, especially once your auto and home limits alone start to look thin against your assets.
Growing a household — a new driver, a new home, a new baby — is usually when this question first comes up.
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Jewelry & Valuables
Standard homeowners and renters policies cap what they'll pay out for jewelry, often around $1,000–$1,500 total, regardless of what a ring or watch is actually worth. A scheduled floater raises that limit item by item, and we run it as its own product — particularly right after an engagement or a wedding.
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Less common coverage (Pet, Motorcycle, RV, Boat)
Pet
Pet insurance covers unexpected vet bills — accidents, illness, sometimes wellness care — for a specialist visit or a procedure that can otherwise run into the thousands. It's an increasingly common line in a household budget, and we run it on its own terms.
Motorcycle
A motorcycle needs its own policy — your auto policy doesn't extend to it, and powersports carriers underwrite and price it on their own terms, with their own view of engine size, riding history, and seasonal use. It gets run right alongside your car.
RV
An RV is part vehicle and part dwelling, and it's priced that way — agreed value on the unit itself, plus contents and liability while you're parked and living in it. Full-time and occasional use are underwritten very differently, so it gets its own podium rather than riding along on your auto policy.
Boat
Boats and personal watercraft carry their own policy, with terms no auto or home policy has an equivalent for — agreed value on the hull, lay-up periods over the winter, on-water towing, and a defined navigation area. In New England the lay-up terms in particular are worth reading closely.
HOW WE PULL IN YOUR COVERAGE
Connect Once, Get a Podium for Each Policy
You tell us what you hold, then connect your coverage through Canopy Connect — a secure, read-only connection that never shares your carrier login with us. Connecting pulls in every policy you hold — auto, home, umbrella, and beyond — so each one generates its own podium automatically, instead of starting from what you type in.
See where every policy you hold ranks
Put your household on the list and let major carriers compete for every policy in it — auto, home, umbrella, and beyond.
Have it all looked at →