Coverage
Coverage for every part of your life
Home, auto, life, and business — all under one roof, with one local agent and one renewal date. Bundle any two policies and save up to 22%.
Our coverage lines
Pick what you need today and add more as life changes. Every policy comes with a licensed agent and a clear, plain-language contract.
Homeowners, renters, and condo coverage for fire, theft, storm damage, water backup, and personal liability — with guaranteed replacement cost options.
Liability, collision, comprehensive, uninsured-motorist, and roadside assistance. Safe-driver discounts and accident forgiveness available.
Term and whole life policies from $50,000 to $2 million. Many plans require no medical exam, so your family gets certainty fast.
General liability, commercial property, workers comp, and business-owner policy (BOP) packages sized for small and mid-market businesses.
Extra liability protection that sits on top of your home and auto policies — from $1 million to $5 million for less than you might expect.
Cover boats, motorcycles, RVs, jewelry, and other valuables with scheduled coverage tailored to what you own.
Home
Home & renters insurance
Protect your biggest investment
Dwelling & property
Rebuild your home and replace your belongings after fire, theft, or covered storm damage.
Personal liability
Protection if someone is injured on your property or you are found responsible for damage.
Loss of use
Covers hotel and living costs if a covered loss makes your home temporarily unlivable.
Auto
Auto insurance that rewards good driving
Drive with confidence
Liability & collision
Meet state requirements and protect your vehicle after an accident, whoever is at fault.
Safe-driver discounts
Lower your premium for a clean record, and keep your rate steady with accident forgiveness.
Roadside assistance
24/7 towing, jump-starts, lockout service, and fuel delivery built into your policy.
Life
Life insurance for the people who count on you
Certainty for your family
Term life
Affordable coverage for a set period — ideal while you raise a family or pay off a mortgage.
Whole life
Lifelong coverage that builds cash value you can borrow against down the road.
No-exam options
Many plans skip the medical exam, so your family is protected in days, not weeks.
Business
Business insurance built for owners
Keep your business moving
General liability
Protect your business from third-party injury and property-damage claims.
Commercial property
Cover your building, equipment, and inventory against fire, theft, and damage.
Workers comp & BOP
Bundle the essentials into a business-owner policy and keep your team protected.
Umbrella
An extra layer of protection
Peace of mind, layered on
$1M – $5M in coverage
Adds liability protection on top of your home and auto policies for a surprisingly low cost.
Covers the big what-ifs
Steps in when a major lawsuit or claim exceeds the limits of your underlying policies.
Protects your assets
Helps shield your savings, home, and future earnings from a costly judgment.
What our customers say
" A tree came through our roof during a spring storm. I filed the claim on a Sunday night and had an adjuster assigned by Monday morning. We were paid within the week. That's the promise they actually keep. "
Emily Navarro
Homeowner, Ohio
" I bundled my home and auto and saved over $600 a year. My agent actually calls me once a year to make sure my coverage still fits. I've never had that anywhere else. "
Marcus Hale
Bundled customer, Texas
" Keystone insures my whole shop — property, liability, and workers comp in one policy. When a customer slipped on the ice out front, they handled the claim and I barely had to lift a finger. "
Priya Anand
Small business owner, Illinois
See what coverage costs
Get a free, no-obligation quote in minutes — or call (800) 555-0142 to talk with a licensed Keystone agent.