Two households just became one.
Two sets of policies probably didn’t notice.

If you each kept your own, that is two auto policies, two renters or home policies, and two sets of limits, each written for one person’s life. Nobody has put them side by side, so nobody knows what is now doubled up, what has a gap, or what quietly assumes the other policy covers it: the seams between policies. We look at everything you now hold, together, once, and tell you plainly whether to switch or stay. Sometimes the answer is to keep what you have. Get in line and we take households from it in order. Closing, coverage deadline or renewal before then? Tell us the date. Deadlines skip the line.

Common Questions

What changes when two households become one?

Mostly things nobody updates. Two auto policies may now cover the same address with different limits on each. Two renters or home policies may overlap on shared belongings, or leave a ring or a watch under a sub-limit nobody has read. An umbrella, if either of you has one, assumes the auto and home limits underneath it; with two sets of policies, that assumption is worth checking.

Should we combine our policies?

Sometimes. Holding everything with one carrier can win, and sometimes two carriers beat one. We look at your household both ways and tell you which came out ahead; if the answer is to keep what you each have, that is what you hear. Our guide to holding home and auto together in Massachusetts covers when that wins and when it is a trap.

Who do we tell, and when?

Your carriers, and the sooner the better. Each policy says what it asks you to report and by when, and a change of name, address or household is usually on the list. If you are not sure, a call to the carrier will settle it. If a renewal or a coverage deadline is coming up, tell us the date: deadlines skip our line.

What if we have different carriers?

Then you probably have two renewal dates, two sets of limits and two companies that have each seen half the household. We look at both policies, and everything else you hold, as one household. Sometimes one of your current carriers wins the combined household; sometimes neither does. We tell you which.

Should we think about more than just auto insurance?

Yes. Auto is the policy people remember to update. Renters or home, umbrella and valuables are the ones that get missed. If you are renting or buying together, that policy now has to fit one household rather than two, and an umbrella is only as good as the limits underneath it. We look at every policy you hold, including a second home or a boat if there is one.

Two households just became one.
Two sets of policies probably didn’t notice.

Tell us about your household

Household Details

What Should We Look Into?

You’re on the list.

Two households just became one.Two sets of policies probably didn’t notice.

Tell us about your household

Household Details

What Should We Look Into?

You’re on the list.

Two households just became one.
Two sets of policies probably didn’t notice.