01
Home & Residence
Structure, belongings, loss of use, liability, deductibles and settlement provisions.
PROPERTY & CASUALTY — COMING SOONHome, auto and other property & casualty coverage is not yet available through PJRC.
Protect the life you’ve worked hard to build.
Your home, vehicles, belongings and liability risks are connected. Understanding how they work together is the first step toward protecting them well.
Start with your life, not a policy
What makes up your world?
Choose what matters most right now. We’ll point you toward the parts of the page worth exploring.
Your starting point
Coverage should evolve
Your protection should change when your life does.
Starting Out
Building the basics
First apartment, first home, first vehicle.
Growing
More responsibility
Marriage, children, another vehicle, home improvements.
Established
More assets to coordinate
Teen drivers, jewelry, recreational vehicles, multiple properties.
Private Client
Protecting the whole picture
Multiple residences, specialty assets and broader liability exposure.
PJRC Protection Checkup
What has changed?
Life changes first. Insurance should follow. Select anything that applies.
Areas worth reviewing:
The five protection chapters
Understand the pieces before you compare the price.
Property and casualty protection becomes easier when you understand what each part is meant to do.
02
Auto & Drivers
Liability, physical damage, household drivers and how vehicles are actually used.
03
Belongings & Valuables
Ordinary contents plus jewelry, art, collectibles and specialty property.
04
Liability & Umbrella
Protection for financial responsibility when a loss extends beyond the damaged property.
05
Specialty & Lifestyle
Second homes, rentals, boats, motorcycles, RVs, trailers and recreational property.
More than you realized
Coverage can often be customized around how you actually live.
Availability, terms, limits and exclusions vary by carrier, policy and state. These are conversation starters—not promises of coverage.
Water BackupSewer or drain backup losses may require separate protection.
Service LinesSome carriers offer protection for certain underground utility lines.
Equipment BreakdownCertain mechanical or electrical failures may have optional coverage.
Building-Code CostsOrdinance or law coverage may address increased rebuilding costs.
Scheduled ValuablesJewelry, art and collections may deserve separate scheduling.
Identity & CyberSome carriers offer personal cyber or identity-related options.
Home SharingShort-term rental activity can change the coverage conversation.
FloodFlood protection is generally a separate insurance conversation.
EarthquakeTypically handled separately from standard homeowners coverage.
Personal UmbrellaAdditional liability protection above qualifying underlying policies.
Rideshare & DeliveryHow a vehicle is used can matter to coverage.
GAP / Enhanced Auto OptionsLoan/lease and newer-vehicle settlement options may be available.
Home Coverage Lab
Three questions that can change a claim experience.
Instead of stacking three separate lessons, we put them together in one place.
1. How is the loss settled?
If your roof were badly damaged tomorrow, do you know how your claim could be calculated?
Replacement Cost
May pay based on repair or replacement cost, subject to the policy, deductible and any depreciation process.
Actual Cash Value
Depreciation may reduce the settlement amount, subject to policy terms.
Exact settlement depends on policy wording, age and condition, applicable deductibles, endorsements and cause of loss.
2. What is the deductible?
Your deductible may not be one number.
Illustrative insured dwelling: $400,000.
$1,000
Fixed deductible
$8,000
2% applicable deductible
Wind, hail, hurricane or named-storm deductibles may operate differently depending on policy and state.
3. What caused the water?
Water damage and flood damage are not the same insurance question.
Burst Pipe
Potentially handled one way under a homeowners policy.
Sewer / Drain Backup
May require optional backup coverage.
Rising Surface Water
Often a flood-policy question.
Storm Surge
Generally part of the flood/coastal catastrophe conversation.
The source of the water can matter as much as the amount of damage.
Auto & Drivers
What exactly are you protecting?
If I cause the accident
Liability coverage addresses injury or property damage for which you are legally responsible, subject to policy terms.
If my vehicle is damaged
Collision and comprehensive address different types of physical damage.
If I or my passengers are injured
Medical-related coverages vary by state and policy.
If the other driver cannot pay
Uninsured or underinsured motorist coverage may become important.
Vehicle-use check
The vehicle matters. So does how you use it.
Ordinary commuting is different from commercial, delivery or rideshare use. Your carrier still needs accurate driver and mileage information.
A new driver changes more than the car
Your teenager just got a license. What changes now?
A new driver changes the household risk profile. The right questions go beyond simply adding a name to the policy.
Insurance Questions
- Has the driver been properly disclosed?
- Which vehicle will they principally use?
- Are liability limits still appropriate?
- What deductible applies?
- Does UM/UIM need review?
- Does umbrella eligibility or underlying limits change?
- Are good-student, training or telematics discounts available?
Family Safety Questions
- Passenger rules
- Nighttime driving
- Phone use
- Speed
- Seatbelts
- Impaired driving
- Emergency procedures
Telematics
Would you trade some driving data for the possibility of different pricing?
What may be measured
Mileage, braking, acceleration, time of day, driving patterns and—in some programs—phone interaction.
The tradeoff
Potential savings or individualized pricing versus monitored driving behavior and privacy considerations. Programs differ.
Liability & Umbrella
The accident does not necessarily stop when your policy limit does.
A personal umbrella can provide additional liability protection above qualifying home and auto policies, subject to its own requirements, exclusions and conditions.
Home / Auto Liability
↓
Underlying Liability Limit
↓
Personal Umbrella / Excess Liability
How insurers evaluate risk
Why can two similar households receive very different insurance prices?
Different insurers weigh risk differently. That is one reason an independent agency can compare more than a single carrier’s view.
Location
Replacement cost
Construction
Age / condition
Claims history
Occupancy
Fire protection
Catastrophe exposure
Drivers
Driving history
Vehicle
Mileage
Vehicle use
Location
Coverage limits
Deductibles
Five-state risk lens
Where do you call home?
Regional exposures matter. Select a state to see a few risks worth asking about.
Texas
- Wind and hail
- Roof settlement
- Coastal wind where applicable
- Flood
- Foundation / slab endorsements
- Severe weather
Louisiana
- Hurricane / named-storm deductibles
- Wind
- Flood
- Coastal exposure
- Rebuilding costs
Arkansas
- Severe weather
- Flood
- Tornado
- Earthquake considerations
- Rural property exposure
Oklahoma
- Tornado
- Hail
- Wind
- Earthquake considerations
- Severe storms
New Mexico
- Wildfire
- Wind / hail
- Water / flood considerations
- Rural protection class
- Availability in higher-risk areas
General education only. Actual exposures, policy forms and market availability vary by property, location and carrier.
The whole picture
Coverage should not live in separate silos.
A major change in one part of your life can affect another part of your protection strategy.
Home + Auto + Specialty Property
→
Household Liability
→
Umbrella / Broader Asset Protection
Home-Based Business
If part of your home or vehicle is being used for business, the personal/commercial boundary deserves a review.
Explore the PJRC Connection →Protecting the People Behind the Property
Your home and vehicles can be insured. What happens to the household if an income disappears?
Explore Life & Legacy →Ownership & Estate Questions
Multiple-property ownership can create legal, tax and estate-planning questions for the appropriate professionals.
Explore Education & Estate Planning →The PJRC Private-Client Approach
Don’t rewrite everything. Understand what you already own first.
Bring the current policies. We’ll help you understand what they say before discussing whether anything deserves attention.
Home declarations
Auto declarations
Umbrella policy
Flood policy
Valuable-property schedules
Recent household changes
Limits & deductibles
Major endorsements
Annual stewardship
Tell us what changed this year.
A quick annual review helps keep the insurance conversation connected to real life.
Items to revisit:
Property & Casualty Library
Clarity before the claim.
Home Inventory Worksheet
Document the things you would need to remember after a loss.
Teen Driver Launch Checklist
Questions to address before and after a new driver is added.
Annual Protection Review Checklist
Life changes that should prompt another look.
Understanding Your Deductibles
Fixed, percentage, wind/hail and catastrophe concepts.
Protect what you’ve built
Your insurance should know your life as well as you do.
Homes change. Vehicles change. Families change. Risk changes. Your protection should be reviewed with the same care.
INSURANCE, MADE PERSONAL.