Personal Insurance
See how your home and auto coverage work together, in one conversation.
A combined look at your home and auto insurance, so the two policies are reviewed side by side instead of separately.
No obligation. Starting a review does not change or bind any coverage.
What's going on
For most households, home and auto insurance are the two policies that matter most day to day, and they're usually reviewed separately, often by different agents or companies. This page is about looking at both at once. If your rates increased, you bought a home or a car, or it's just been a while since anyone looked at either policy, a combined review is where most people start.
Why it matters
Home and auto coverage interact more than most people realize. Some companies offer a multi-policy discount when both are written together. Your liability limits on each policy should make sense next to each other, especially if you're also considering an umbrella policy, which sits above both. Reviewing them together means comparing available options in one conversation instead of two.
Things worth considering
Points we would talk through with you. Which of them apply depends on your situation, and what you do about them is your decision.
-
Are your home and auto carried with the same company?
Some companies offer a discount for insuring both with them. It isn't automatic, and it isn't always the better option once you compare coverage, but it's worth asking about.
-
Do your liability limits make sense together?
Your auto liability limit and your home liability limit are separate numbers. If you're considering an umbrella policy, both usually need to meet a minimum underlying limit first.
-
When did anyone last look at your dwelling coverage amount?
Rebuilding costs change over time. A dwelling limit set several years ago may not reflect current construction costs in the Kansas City area.
-
What's your wind and hail deductible?
Many Missouri homeowners policies use a separate wind and hail deductible, often a percentage of the dwelling limit rather than a flat dollar amount. It's worth knowing that number before a storm, not after.
-
Has anything changed in your household?
A new driver, a teenager who just got licensed, a car you added or sold — any of these can affect both what you're paying and what options are available to you.
-
Do you know what your auto policy actually covers if you're at fault?
Missouri does not use a no-fault system, so understanding your liability coverage, and how it relates to your home policy, is worth a direct conversation.
Information on this website is general in nature and is not a complete description of any insurance policy or every coverage option that may be available. Coverage availability, terms, conditions, limits and exclusions vary by insurer, policy and individual circumstances. The issued insurance policy and applicable endorsements control coverage. Beacon Point Insurance Group may provide information regarding available insurance options and discuss coverage considerations based on information you provide, but customers are responsible for selecting the carrier, coverages, limits and deductibles they wish to purchase. No insurance coverage is bound, changed, or canceled through this website unless confirmed by Beacon Point Insurance Group or the applicable insurer.
How this tends to come up
-
A rate increase on both policies
A household in Independence noticed their home and auto premiums both went up at renewal, on different months, from different companies. Reviewing them together made it possible to compare available options side by side instead of piecemeal.
-
Buying a first home
A couple who'd been renting in the Kansas City metro bought their first house and needed a homeowners policy. Since they already had auto coverage, reviewing both together made sense before choosing a homeowners option.
We Learn. We Compare. We Explain. You Decide.
- 01
We Learn
We ask questions about your situation and the insurance you currently carry.
- 02
We Compare
Based on the information you provide, we can obtain and compare available options from the insurance companies we represent.
- 03
We Explain
We help you understand important differences in coverage, limits, deductibles, policy terms, and price.
- 04
You Decide
You select the company, coverages, limits, deductibles, and options you want to purchase.
What working with us is like
The part people tend to mention is that someone explained it and then let them decide.
More personal coverage
Let's find the options that work for you.
No obligation. Starting a review does not change or bind any coverage.