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Trusted Pros Make Home and Auto Insurance Simple
There’s no cost to work with a RamseyTrusted® insurance pro. They’ll do the shopping, explain the fine print, and help you get covered. Plug in your zip code below to connect with an agent who serves your area to get started.
Who Are RamseyTrusted Insurance Pros?
They’re Trusted
We’d send our own family to them—and do! They won’t sell you a cheap, crappy policy that earns them a commission but doesn’t protect you.
They’re Vetted
That just means we filtered out all the duds. These agents understand insurance the Ramsey way and won’t steer you wrong.
They Know Your Area
Insurance isn’t one-size-fits-all. These pros understand the coverage needs and risks where you live.
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Review Before You Renew Your Auto Coverage
Your car insurance renews every year, but that doesn’t mean it stays the same. Rates, limits and terms can change. And if you’re not checking, you could end up paying for coverage that doesn’t fit anymore. No thanks! Our Renewal Guide cuts through the insurance lingo and shows you what to review before you renew.
Real Customers. Real Help.
“Our experience with our RamseyTrusted insurance agent was outstanding. She provided clear guidance, personalized recommendations, and made the entire process of securing auto insurance for the first time both simple and stress-free.”
“Throughout the whole process, our RamseyTrusted agent was very personable and I thoroughly enjoyed setting everything up with her. She answered all of my questions (and then some!). . . . I feel safe, secure, and covered now. . . . Keep vetting agencies so I can spend time on other life things and not have to worry about home and auto insurance details.”
“Getting connected to a trusted insurance provider continued to teach and reinforce the Ramsey principles of not only just focusing on offense but also the defensive stance of protecting our family. . . . No longer do we just pick the cheapest option—we now choose the cheapest option of the appropriate insurance levels.”
How Does Working With a Pro Work?
Select Insurance Types
Choose the insurance you’re looking for and match with a RamseyTrusted insurance pro.
Pros Contact You
Your pro will give you a call within 24 hours and ask for basic information.
Pros Compare Quotes
They’ll shop home and auto insurance quotes from multiple carriers to find you the right policy at the best price.
What to Know About Home and Auto Insurance
Home and auto insurance help protect where you live and how you move. So they’re essential to keeping your life running smoothly. Damage to your home or vehicle can be expensive! Getting them insured is a must (and it’s usually required by law).
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Auto Insurance
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Home Insurance
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Catastrophe Insurance
Auto Insurance
The Main Types of Car Insurance
With so many types of car insurance to choose from, it’s easy to feel overwhelmed—or worse, to settle for the bare-minimum coverage required by your state. But understanding your car insurance doesn’t have to be complicated. With a quick overview of the most common types of car insurance, you can make confident decisions that actually protect you—and your wallet—if something goes wrong on the road.
In this guide, we’ll break down the seven main types of car insurance coverage, helping you choose the right protection for your needs.
How to Get Car Insurance
Car insurance is legally required in nearly every state, but understanding how to actually get the right coverage can be challenging. From choosing the best provider, or determining the coverage you need, to comparing quotes—it can get overwhelming quick.
Luckily, we’ve simplified the process for you. This guide will walk you through every step of getting car insurance so you can secure the protection you need without the stress.
What Other Vehicle Insurance Might I Need?
From motorcycles to boats and RVs, there are all kinds of ways to get around beyond the tried-and-true car or truck. But you can’t really enjoy all those other vehicles without the proper protection in place. Let’s learn all about vehicle insurance beyond regular old car insurance.
Let’s Go!
What Do I Need to Know About Liability Car Insurance?
You probably already know liability insurance is a must-have—but maybe you’re wondering what exactly it covers. While liability insurance might not be the flashiest part of owning a car, its benefits are invaluable if you’re ever involved in an accident. It helps cover costs related to injuries or damages you’re legally responsible for. Let’s dive in and explore everything you need to know about car liability insurance so you can drive with confidence.
What Is GAP Insurance?
The term GAP insurance makes perfect sense once you understand its purpose: to fill the gap between what you owe on your car loan and your vehicle’s actual resale value in case it’s totaled or stolen. If you have a car loan, GAP coverage can help you avoid potentially huge unexpected out-of-pocket expenses. In fact, some lenders require it. But it’s not always your best option. Let’s see what GAP insurance is all about.
Ready to Stop Guessing on Car Insurance?
The cheapest policy isn’t always the smartest policy. A RamseyTrusted pro will shop multiple carriers, cut through the fine print, and get you the right coverage at the right price.
These pros are vetted, so they won’t sell you a cheap policy just to earn a commission.
Home Insurance
All About Homeowners Insurance
If something happened to your home, would your insurance be enough to help you recover? Many homeowners are underinsured—and that puts both their property and finances at risk. This guide explains what homeowners insurance does (and doesn’t) cover so you can make informed decisions and protect your biggest investment.
The Main Types of Property
Insurance
If you own a home or any property, this is the coverage for you. Property insurance offers real protection that helps you feel secure no matter what life throws your way. It comes in many forms tailored to specific living situations—from rental properties to condos to mobile homes. Understanding what each type covers—and how to choose the right policy—can make all the difference in protecting your investment.
Is Condo Insurance Really Necessary?
If you own a condo, having condo insurance isn’t optional—it’s essential. You might assume your homeowners association (HOA) has you fully covered, but that’s rarely the case. While condo insurance shares similarities with homeowners and renters insurance, it comes with unique details and responsibilities. In this guide, we’ll break down everything you need to know about condo insurance so you can feel confident your home is properly protected.
Understanding Renters Insurance
If you’re renting, renters insurance isn’t just a good idea—it’s a smart financial move. Many renters underestimate the value of their possessions, leaving themselves unprotected in case of fire, theft or other damage. Renters insurance acts as a safety net—and in many cases, landlords require it. Yet, surprisingly, most renters still go without it. In this guide, we’ll explain why renters insurance is so important and walk you through exactly how to get the right coverage.
All About Title Insurance
Title insurance is a little-known but essential part of buying and owning a home. This coverage has to do with any possible title disputes over who really owns your property. The risk of losing your home through lawsuits or legal mix-ups is real, and you need title protection to head that off—for both yourself and your lender if you have one.
Would Your Coverage Actually Cover You?
A lot of homeowners find out they’re underinsured the hard way—right after something goes wrong. That doesn’t have to be you. A RamseyTrusted pro will check your policy for gaps before a disaster does it for you.
Catastrophe Insurance
What to Know About Hurricane Insurance
Hurricanes cause billions of dollars in damage each year, mostly from wind and flooding—two risks that standard homeowners insurance often doesn’t fully cover. If you live in a hurricane-prone area, having the right insurance coverage is critical. In this guide, we’ll break down what hurricane insurance includes and how to make sure your home is properly protected.
All About Earthquake Insurance
Most standard homeowners insurance policies don’t cover earthquake damage—which could leave you with massive repair costs after a quake. If you live in an earthquake-prone area, having separate earthquake insurance is essential. Our earthquake insurance guide breaks down everything you need to know to make sure your home and finances are protected.
Flood Insurance Facts
Flooding is the most common natural disaster in the U.S., and it doesn’t take a hurricane to cause serious damage. In fact, 90% of all natural disasters involve flooding—and it can come from a variety of sources.1 That’s why flood insurance is a critical part of protecting your home and finances. In this guide, we’ll break down how flood insurance works, the types available, and why it’s worth considering no matter where you live.
Think Your Home's Covered? Check Again.
Standard homeowners insurance usually doesn’t cover hurricanes, earthquakes or floods. A RamseyTrusted pro can help you add the right catastrophe coverage for where you live.
Frequently Asked Questions About Home and Auto Insurance
Still have questions? We’ve got answers to the most common ones about home and auto insurance. Get clarity and move forward with confidence.
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What are bundling discounts?
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Bundling means buying multiple insurance policies from the same insurer. In exchange, they discount both policies—typically 10–25% off your total premium. A great example of saving on your premium is bundling home and auto insurance.
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What’s the difference between multi-policy discounts and bundling discounts?
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None! These are just two different ways of saying the same thing. A trusted pro can get you free homeowners and auto insurance quotes.
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Can you bundle your renters or condo insurance with another policy?
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Yes! You can bundle either one with auto insurance.
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Is it good to shop around for car insurance?
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Shopping around for car insurance is a smart idea. Don’t just accept the first rate one company gives you. Compare rates and coverage across the marketplace so you can find the right policy at the right price.
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Why do you need car insurance?
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The two primary reasons you need car insurance are to protect yourself financially and to avoid legal problems. Getting the right car insurance in place is smart, safe and a whole lot cheaper than trying to pay for auto accident costs out of your own pocket.
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How long does it take to get car insurance?
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Getting car insurance usually takes about an hour or less if you buy directly from an insurer. Gather your information ahead of time, know the coverage you need, and ask when your policy takes effect—it’s often active as soon as you complete your purchase.
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Can you get car insurance instantly?
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Yep, you can get car insurance instantly, but don’t let speed lead you to the wrong policy. A RamseyTrusted independent insurance agent can compare multiple options to help you find the right coverage at the right price.
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Do speeding tickets affect insurance?
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Depending on the severity of the ticket, yes, speeding tickets can impact your car insurance rates. We’ll tell you everything you need to know about how speeding tickets could impact your car insurance in this article.
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What is a salvage title?
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A salvage title means your insurance company said your car’s a total loss. Translation: The title’s toast, the registration’s no good, and you can’t legally drive it. Here’s what you need to know about salvage titles—and how they could mess with your insurance.
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How do I file a homeowners insurance claim?
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File a claim online or over the phone with an agent. Here’s a checklist to follow when you file an insurance claim:
• Take pictures of the damage.
• Fill out a proof of loss statement and list of all the damaged or stolen items, along with how much it’ll cost to replace them.
• Make sure you have the details of the incident (fire, storm, and so on) ready to tell your insurer. -
What’s the importance of creating a home inventory for insurance purposes?
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Let’s be honest—if your home was damaged by a fire or flood, how confident are you that you could list everything inside? Maybe even more important, will you want to sit down in the midst of that chaos and try to remember every sweater, book and electronic device you owned? To make sure you’re getting the right amount of coverage and the right payment from your carrier, it’s super important to keep an up-to-date list. It’s as easy as taking photos of your stuff!
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What is the primary difference between homeowners insurance and renters insurance?
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The big difference between homeowners insurance and renters insurance is that homeowners insurance includes coverage for the structure (called dwelling coverage) that pays to rebuild the house if it’s destroyed, while renters doesn’t—because you’re renting! The house doesn’t belong to you, so you don’t need to pay for insurance on it (your landlord has a policy for that). Both homeowners insurance and renters insurance cover your personal belongings, though.
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How does homeowners insurance work if someone gets hurt on your property?
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There are many ways someone could get injured on your property (think slippery sidewalk, loose handrail, broken steps, an unsecured pool, and the list goes on). Homeowners insurance typically comes with liability insurance—which pays for medical bills, attorney and court fees (if the injured person sues), and other injury-related costs up to the limit set in your policy. Liability protection is one of the best buys in insurance—we recommend you have at least $500,000 in coverage.
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