Explore the Coverage
Go as deep as you want.
Interactive tools and plain-English guides for home, auto, and liability coverage. No account. No email. No sales pitch.
Interactive Tool
Liability Limits Explained
Select a scenario to see how claim costs can compare with different liability limits and why the amount and structure of liability coverage matter.
Fender Bender
You rear-end someone at a red light. Their car needs $8,000 in repairs and they miss two weeks of work.
Estimated Costs
- Vehicle repair$8,000
- Lost wages claim$4,200
- Medical evaluation$1,500
- Total exposure$13,700
Coverage Comparison
Even a relatively common accident can create meaningful liability costs. More serious injuries or property damage can increase the financial exposure significantly.
These examples are for educational purposes. Appropriate liability limits depend on your assets, income, exposures, and overall financial situation.
Interactive Tool
Home Insurance: Coverage A–F
Every homeowner policy is built on six coverage parts. Select each one to understand what it covers, what to watch for, and how to make sure yours is right.
Coverage A
Dwelling
Covers the physical structure of your home — walls, roof, floors, built-in appliances, and attached structures like a garage.
Key Points
- Should reflect full rebuild cost, not market value
- Inflation guard endorsements help keep pace with rising costs
- RCV pays to rebuild; ACV pays rebuild minus depreciation
Watch out for this
Rebuilding cost is different from market value. Construction costs, renovations, home features, and other factors can affect the amount of dwelling coverage needed.
Interactive Tool
Auto Insurance: Coverage Explorer
Eight coverages that make up a complete auto policy. Select each one to understand what it does, when you need it, and what to watch for.
Liability
Pays for injuries and property damage you cause to others. Required in almost every state. Liability is one of the most important coverages to understand on an auto policy.
Key Points
- Split limits: per-person / per-accident / property
- How the limit is structured matters — not just the total amount
- Does NOT cover your own vehicle or injuries
Watch out for this
Serious accidents involving significant injuries, multiple vehicles, or extended medical treatment can exceed lower liability limits.
Split Limits vs. Combined Single Limit
Liability limits are not only about how much coverage you carry. How the limit is structured matters too.
Split Limit — 100 / 300 / 100
- $100,000Per person — Max bodily injury liability for one injured person
- $300,000Per accident — Max bodily injury liability for all injured people combined
- $100,000Property damage — Max property damage liability per accident
These are separate limits and cannot simply be added together as one interchangeable pool of coverage.
Combined Single Limit — $300,000 CSL
A Combined Single Limit provides one combined liability limit for covered bodily injury and property damage arising from an accident, rather than dividing coverage into separate per-person, per-accident, and property-damage limits.
Combined Single Limit is about flexibility.
One person is seriously injured
100/300/100 Split Limit
The bodily injury liability available for that one person is generally capped at $100,000, subject to the policy terms — even though the policy carries a $300,000 per-accident limit.
$300,000 CSL
There is no separate per-person bodily injury sublimit. This can provide greater flexibility in how the available limit responds to a covered accident, subject to the policy terms. A $300,000 CSL may provide substantially more available protection for one seriously injured person than a 100/300/100 split-limit policy.
Two policies can both show large liability numbers and still protect you differently. When comparing auto insurance, look at both the amount of liability coverage and how the limits are structured. Higher split limits can still be appropriate, and a Combined Single Limit is not automatically right for every customer. Available limits, policy structures, terms, and eligibility vary by insurance company.
Understand what you're protecting, not just what you're paying for.
These guides explain what important coverages actually do, which risks they're designed to protect against, and what questions to ask when comparing policies.
Home Insurance Basics
Understand property coverage, liability, deductibles, replacement cost, exclusions, and the protection behind your homeowners policy.
Auto Insurance Guide
Understand liability, UM/UIM, injury protection, physical damage, deductibles, and what the numbers on your auto policy actually mean.
Liability & Umbrella
Understand the liability protection within your policies and how an umbrella may provide an additional layer around what you have built.
Motorcycle Insurance
Understand why motorcycle liability, medical, and UM/UIM considerations may differ from standard auto insurance.
Watercraft Insurance
Understand liability, physical damage, medical protection, and the unique exposures that come with owning a boat.
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