Home & Auto
Your home and your car are more than assets. They are how your life works.
A single storm, accident or liability claim can wipe out years of savings in minutes. We shop homeowners, auto, umbrella and specialty property coverage across top-rated carriers so you get the right limits, the right deductibles and a price that makes sense.
Why it matters
The risks are real. The right coverage makes them manageable.
$310K
Average home claim from fire or weather damage
1 in 8
Drivers involved in an accident each year
$500K+
Potential liability from a single at-fault accident
40%
Homeowners who are underinsured for rebuilding costs
What we place
Complete property and casualty coverage, in every form.
Homeowners Insurance
Dwelling, personal property, liability and loss-of-use coverage tailored to your home's replacement cost and your area's risks.
- Dwelling and other structures
- Personal property replacement cost
- Personal liability up to $500K
- Additional living expenses
- Medical payments to others
Auto Insurance
Liability, collision, comprehensive and uninsured motorist coverage compared across carriers for the best rate at the limits you actually need.
- Bodily injury and property damage liability
- Collision and comprehensive
- Uninsured/underinsured motorist
- Medical payments and PIP
- Roadside assistance and rental
Umbrella Liability
An extra layer of liability protection, typically $1M–$5M, that sits above your home and auto policies for catastrophic claims.
- $1M–$5M additional liability
- Covers lawsuits beyond base policy limits
- Protects assets and future earnings
- Covers libel and slander claims
- Usually less than $1/day per million
Renters Insurance
Personal property and liability coverage for tenants — often under $20 a month and frequently required by landlords.
- Personal belongings protection
- Liability coverage
- Additional living expenses
- Medical payments to guests
- Identity theft protection
Specialty Property
Coverage for vacation homes, investment properties, landlord policies, flood, earthquake and high-value items.
- Vacation and second homes
- Investment and rental properties
- Flood and earthquake endorsements
- Scheduled jewelry, art and collectibles
- Vacant property coverage
Save more
Bundle and save up to 25%.
Most families carry home, auto and umbrella separately — paying more for less. Bundling with a single carrier unlocks meaningful discounts and simplifies everything.
Get a bundle quoteMulti-policy discount
Bundle home and auto with the same carrier and save 10–25% on both policies.
Single deductible events
Some carriers offer a single deductible when the same event damages both your home and vehicle.
One renewal, one advisor
We manage your entire property portfolio in one place — no separate calls, no separate renewal dates to track.
Umbrella eligibility
Bundling makes it easier and cheaper to add an umbrella policy that protects all your assets.
Is this for you?
It usually fits when
- You are buying or refinancing a home and need proof of insurance
- You want to bundle home and auto for multi-policy discounts
- Your current premiums went up at renewal and you want a market check
- You have assets worth protecting with an umbrella policy
How it goes
Three steps, no pressure
- 01
We review your property details, driving history and current coverage
- 02
We compare quotes from multiple carriers side by side — coverage, deductibles and price
- 03
We bind your preferred option and set a reminder to re-shop at every renewal
What keeps families up at night
The events no one plans for — but everyone should prepare for.
Weather damage
Hurricanes, hail, tornadoes and winter storms cause billions in property damage every year. Standard homeowners covers most — but flood and earthquake usually require separate policies.
At-fault accidents
A serious accident with injuries can generate claims well over $300,000. Minimum state liability limits often fall dangerously short.
Liability lawsuits
A guest injured on your property, a dog bite, a teenage driver — liability claims can reach into your savings, your home equity and your future wages.
Theft and vandalism
Burglary, package theft, vehicle break-ins. Personal property coverage replaces what's taken — replacement cost policies pay for new, not depreciated value.
Underinsurance
40% of homeowners don't have enough coverage to fully rebuild. Rising construction costs and code upgrades mean yesterday's limit may not cover today's rebuild.
Gaps between policies
A tree falls on your car in your driveway — is that home or auto? Gaps between policies can leave you paying out of pocket. Bundling and umbrella coverage close them.
Carrier partners
Who we shop for home & auto
- NationwideA+
- ProgressiveA+
- Safeco (Liberty Mutual)A
- TravelersA+
- The HartfordA+
- Foremost InsuranceA
- Bristol WestA
- National GeneralA-
- KemperA-
- Stillwater InsuranceA-
- OpenlyA
- Branch InsuranceA-
Common questions
Home & auto, answered.
How much homeowners coverage do I need?
Your dwelling coverage should match the full replacement cost of your home — not the market value or mortgage balance. We calculate replacement cost based on your home's size, construction type, materials and local labor costs.
What's the difference between collision and comprehensive?
Collision covers damage from hitting another car or object. Comprehensive covers everything else — theft, vandalism, weather, animal strikes and falling objects. Most lenders require both if you have a loan.
Do I need an umbrella policy?
If your assets (home equity, savings, investments) exceed your auto and home liability limits, an umbrella policy is strongly recommended. At roughly $150–$300 per year for $1M in coverage, it's one of the best values in insurance.
How often should I re-shop my policies?
We recommend a full market comparison at every renewal — typically annually. Rates change frequently, and loyalty discounts rarely outpace the savings from competitive shopping.
Does NXT handle claims?
Claims are filed directly with your carrier, but your NXT advisor advocates on your behalf throughout the process — helping document the loss, following up on timelines and ensuring fair settlement.
Get started
Protect your home. Protect your ride. Protect your future.
Get a no-obligation quote in minutes. We compare carriers so you don’t have to.
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