A typical home insurance policy helps protect your house and personal belongings from damage caused by events like fire, theft, or storms. It also includes liability protection if someone is injured on your property. Optional add-ons can cover floods, earthquakes, or higher-value items.

Yes, even occasional drivers should maintain coverage. Most states require at least liability insurance, and going without it could leave you financially exposed in the event of an accident. We can help you find a low-cost option that fits your driving habits.

That depends on your family’s financial needs, debts, income, and future plans. A general rule is 10–15 times your annual income, but we’ll work with you to build a policy tailored to your goals and loved ones’ protection.

Absolutely. Whether you're a solo entrepreneur or have a growing team, business insurance can cover property damage, liability, employee injuries, and more. We offer flexible plans to protect your operations without breaking your budget.

Personal property insurance covers the things you own—like electronics, furniture, jewelry, and clothing—if they’re stolen or damaged by covered events. It’s often part of renters or homeowners insurance but can be customized for extra protection.

Yes! Bundling home, auto, and other policies is a great way to simplify your coverage and save on premiums. At Precious Policy, we’ll review your options and help you get the best value across all your policies.