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See how you're covered

Surround Complete

It's hard to know what's the right amount of insurance. We help you understand the different kinds of coverages so you can find (or create) the Pack that's right for your needs and budget. Learn about what's covered in each Pack with Surround. 

Driving Insurance

$100,000 Property Damage Liability

When you’re driving, this pays for damage you may cause to someone else’s property. This can mean damage to someone else’s car, but it also includes damage to other structures such as signs, fences, or buildings.

$100,000 Uninsured and Underinsured Motorists

One out of every eight drivers does not carry auto coverage; in some states, that number is one out of five. Also known as Uninsured Motorist insurance, this will pay your and your passengers’ medical bills if you’re involved in a collision with an uninsured motorist who is at fault.

In other instances, an at-fault driver may have liability insurance, but his or her policy’s limits do not cover the full extent of your injuries. In such cases, Underinsured insurance will cover the difference up to a certain amount.

$8,000 Personal Injury Protection*

Personal injury protection, covers the medical and rehabilitative costs for you and your passengers after you’re injured in a car collision. PIP also covers you when you’re a passenger in someone else’s car, or if you’re hit by a car while a pedestrian or cyclist.

$5,000 Medical Payments

Personal injury protection covers the medical and rehabilitative costs for you and your passengers after you’re injured in a car collision. PIP also covers you when you’re a passenger in someone else’s car, or if you’re hit by a car while a pedestrian or cyclist.

$100,000 Bodily Injury Liability (per person/per accident)

If you, the driver and policy holder, cause harm to someone else. You are covered when driving someone else’s car with their permission for personal use.

Apartment Insurance

$5,000 Medical Payments to Others

If someone gets hurt in your apartment, this covers their medical costs.

$10,000 Loss of Use

If you can’t use your apartment because of extensive damage from an event such as fire or water damage, this provides you with additional living expenses.

$10,000 Personal Property*

Protects the belongings inside your home, such as furniture.

$100,000 Personal Liability

Protects you by covering personal injury and property damage. If you hurt someone or damage their property, your renters insurance offers financial protection if you’re found to be legally liable.

Biking & Walking Insurance

$100,000 Uninsured and Underinsured Motorist

Also known as Uninsured Motorist insurance, this will pay your medical bills if you’re involved in a collision with an uninsured motorist who is at fault.

In other instances, an at-fault driver may have liability insurance, but his or her policy’s limits do not cover the full extent of your injuries. In such cases, Underinsured insurance will cover the difference up to a certain amount.

Freelancing Insurance

$100,000 Professional Liability

This is a type of liability coverage designed to protect people working for themselves/who own their own business* against liability incurred as a result of errors and omissions in performing their professional services. There are a few exceptions for professions that are licensed (physicians, architects, and lawyers, etc.). This does not cover bodily injury and property damage claims.

Other

Online, Phone, and In-Person Service

Local, Trusted Agents Assigned to Your Account

*$500 deductible