What We Cover
A household carries more policies than most people expect — we've grouped them into four categories below. Here's where Podium stands on each one today: Auto is what we actively compare and place; every other line is part of the wider household picture we help you see, even before we place it ourselves. Expand any category for the specifics.
Auto
Auto is the line Podium actively places. We pit major carriers against each other for your exact profile — same driver, same vehicle, same coverage limits — so the only thing that changes between quotes is the price and the carrier. You see the ranked results side by side and pick your winner; we handle the switch, with zero gap in coverage.
Your auto comparison is real, it runs against major carriers, and it’s the part of the podium you can act on the moment you join the waitlist.
Home
The property side of your household — the place you live, and the coverage that protects it. We don't place any of these directly today; here's how the pieces fit together, including a couple of gaps that catch people off guard.
Homeowners
We don't place homeowners policies directly today. What we do is help you see how a home purchase changes the rest of your picture — most people first look at bundling the moment a mortgage lender asks for a binder, and the auto side of that math is exactly what we compare.
If you're closing on a place, our new home insurance guide walks through the closing-timeline side of it, and our Massachusetts home + auto bundling guide covers when a bundle actually beats separate carriers — and when it doesn't.
Renters
Renters insurance isn't something we place directly yet either, but it's often the cheapest, most overlooked policy in a household — and many carriers offer a discount for pairing it with your auto policy. Moving is a natural moment to ask whether you have it at all.
If a move is what brought you here, our just moved guide covers the auto side of settling into a new address, and it's worth raising renters coverage in the same conversation.
Less common home coverage (Condo, Landlord, Flood)
Condo
A condo policy (often called HO-6) picks up where your association's master policy leaves off — covering your unit's interior, your personal property, and your liability. We don't place condo policies directly today, but if you're buying or already own a condo, it's worth confirming exactly where the association's coverage ends and yours needs to begin.
Landlord / Dwelling Fire
If you own a property you rent out — a single unit, a duplex, a place you used to live in yourself — a standard homeowners policy usually isn't the right fit. Landlord (dwelling fire) coverage protects the structure and your liability as the owner; your tenant's belongings are covered separately, under their own renters policy. We don't place these directly today, but it's part of the picture the moment you become a landlord.
Flood
Flood damage is specifically excluded from a standard homeowners policy — it has to be purchased separately, typically through the NFIP or a private flood carrier. We don't place flood coverage directly today, but if you're near water or in a flood zone, it's worth confirming you actually have it rather than assuming your homeowners policy includes it.
Umbrella
An umbrella policy adds a layer of liability protection on top of your auto and home limits — typically $1M+ of coverage for a few hundred dollars a year. We don't place these directly today, but we'll flag when it's worth asking about, especially once your auto limits alone start to look thin against your assets.
Growing a household — a new driver, a new home, a new baby — is usually when this question first comes up; our new baby guide and new home guide both touch on it directly.
Other
The rest of the household — the items and vehicles that don't fit neatly under auto or home. We don't place any of these directly today either, but they're worth knowing where they stand.
Jewelry & Valuables
Standard homeowners and renters policies cap what they'll pay out for jewelry, often around $1,000–$1,500 total, regardless of what a ring or watch is actually worth. A scheduled floater raises that limit item by item. We don't place these policies directly today, but it's a gap worth knowing about — particularly right after an engagement or a wedding.
If that's where you are, our just married guide covers the auto side of combining a household, and it's the right moment to ask your home or renters carrier about scheduling anything valuable.
Less common coverage (Pet, Specialty Vehicles)
Pet
Pet insurance covers unexpected vet bills — accidents, illness, sometimes wellness care — for a specialist visit or a procedure that can otherwise run into the thousands. We don't place pet policies directly today, but it's an increasingly common line in a household budget, and it's worth pricing out on its own.
Specialty Vehicles
A motorcycle, RV, or boat usually needs its own policy — a standard auto policy doesn't extend to them, and the details (agreed value, lay-up periods, towing) are specific to each vehicle type. We don't place motorcycle, RV, or watercraft coverage directly today, but if one of these is part of your household, it belongs in the same conversation as your car.
WHERE WE'RE HEADED
Built for more than one line at a time
Podium is built around comparing your whole household picture, not just a single policy in isolation — auto today, and more lines as we grow. The permission-to-research step we're adding to the intake flow is designed to pull in more than just your current auto coverage, so that as we add home, umbrella, and the rest of the household lines above to what we actively place, the comparison gets richer without you having to start over.
Start with the line we compare today
Join the waitlist and let major carriers compete for your auto business — we'll help you see the rest of the picture along the way.
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