Policy Comparison: Which is Better?

Choosing the right insurance policy can feel like comparing apples and oranges. In this guide, we’ll compare common policy types to help you decide which plan is best for your needs.

Homeowners vs Renters Insurance

• Homeowners – Covers structure, personal property, liability.
• Renters – Covers only personal property and liability.

Standard vs Umbrella Policies

• Standard – Base coverage with set limits.
• Umbrella – Extra liability protection beyond underlying limits.

Term Life vs Whole Life

• Term – Affordable for set period.
• Whole – Builds cash value, higher premiums.

Auto Policy Tiers

• Minimum State Requirements – Basic liability only.
• Full Coverage – Liability, collision, comprehensive.
• Add-Ons – Roadside assistance, rental reimbursement.

Decision Matrix

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