Renew with Rizz Insurance helps you protect your home and belongings with tailored home insurance coverage. We work with multiple top-rated carriers to find the policy that fits your needs and budget. Call us for a personal quote.

What property insurance covers

• Dwelling: Protection for the physical structure of your home or building — walls, roof, floors, built-in appliances and attached structures.

• Other structures: Detached buildings on the property such as garages, sheds, fences, and guest houses.

• Personal property: Coverage for your belongings (furniture, electronics, clothing, jewelry — subject to limits and any special-item sublimits).

• Loss of use / Additional living expenses: Reimburses temporary living costs if your home is uninhabitable after a covered loss.

• Personal liability: Protects you if someone is injured on your property and sues for damages, including legal defense costs.

• Medical payments: Covers minor medical expenses for guests injured on your property, regardless of fault.

What auto insurance covers

• Liability coverage: Pays for bodily injury and property damage you cause to others if you’re at fault in an accident. State minimums vary; higher limits offer greater protection.

• Collision coverage: Pays to repair or replace your vehicle after a collision with another vehicle or object, regardless of fault (subject to your deductible).

• Comprehensive coverage: Covers non-collision losses such as theft, vandalism, fire, flood, falling objects, and hitting an animal.

• Personal injury protection (PIP) / Medical payments: Covers medical expenses for you and your passengers after an accident. Required in some states.

• Uninsured/underinsured motorist (UM/UIM): Protects you if an at-fault driver has no insurance or insufficient coverage.

• Rental reimbursement and roadside assistance: Pays for a rental vehicle while yours is repaired and provides towing, jump-starts, lockout service, and more.

• Gap insurance: Covers the difference between what you owe on a financed/leased vehicle and its actual cash value if it’s totaled.

Commercial Insurance

Protect your business, employees, assets, and reputation with commercial insurance tailored to your needs. At Renew with Rizz Insurance, we shop the market and place you with the best company for competitive coverage and reliable service.

Common types of commercial insurance

• General Liability Insurance

  • Covers third-party bodily injury, property damage, and personal/advertising injury claims.

  • Essential for most businesses that interact with customers, vendors, or the public.

• Commercial Property Insurance

  • Protects buildings, equipment, inventory, and business personal property from fire, theft, vandalism, and some natural disasters.

  • Can include business interruption coverage to replace lost income during a covered shutdown.

• Business Owners Policy (BOP)

  • Bundles general liability and property insurance at a lower combined premium.

  • Often available for small to mid-sized businesses in eligible industries.

• Commercial Auto Insurance

  • Covers vehicles owned or used by the business for liability and physical damage.

  • Includes hired/non-owned auto coverage for rented or employee-owned vehicles used for business.