Buying a home
A purchase usually brings a coverage requirement, a new set of decisions, and a date it all has to be in place by.
Property & Lifestyle
Coverage for the home, vehicles, and personal risks your household depends on.
Personal insurance reaches beyond health and income. Benefits Beyond Work can help members and their families consider coverage for the home, the vehicles, and the property a household relies on — subject to product and carrier availability.
Coverage options
Personal property and lifestyle coverage that may apply.
Availability varies by product, carrier, state, and situation. Which coverage is appropriate depends on the household.
- Auto
- Homeowners
- Renters
- Umbrella
- Other Personal Insurance
Property and lifestyle coverage is one part of what we can help with — not the center of what we do. It is considered alongside healthcare, protection, retirement, and legacy needs where it is relevant to the household.
When it comes up
These questions usually arrive with a decision or a date.
Property coverage is often driven by a purchase, a move, or a change in who lives in the household.
Moving or renting
A move can change what needs to be covered, and renters coverage is often overlooked.
A new vehicle or driver
Adding a vehicle or a household driver changes what the auto coverage needs to reflect.
Household changes
Marriage, separation, or a change in who lives in the home can change whose coverage applies.
More to protect than before
As a household accumulates, umbrella coverage may be worth understanding where it is available.
The household view
One household, several policies, one relationship.
We look at what is already covered and who it covers before considering anything new.
What is already in place
Existing auto or home coverage may already address part of the need. We start there.
Who is covered
Policies list specific people, vehicles, and property. Household changes can affect all three.
Where you live
Product and carrier availability varies by state and by property, and some coverage may not be available.
Financial Relationship Manager
You don’t have to work out everything a change affects on your own. A Financial Relationship Manager helps you understand what is changing and what may need attention — so you don't have to figure that out on your own first.
Other solution families
Property coverage is one part of the picture.
Depending on the situation, one or several of these may be worth considering.
Healthcare
Coverage for your health and everyday care.
- Individual & Family Medical
- Dental
- Vision
- COBRA Alternatives
- Supplemental Health, where appropriate and available
Medicare
Medicare is supported through its own dedicated guidance and coverage experience because eligibility and enrollment rules differ from other health coverage.
Explore MedicareProtection
Coverage designed to help protect income, finances, and family against the financial consequences of illness, injury, care needs, disability, and death.
- Life Insurance
- Disability Insurance
- Accident Insurance
- Critical Illness
- Hospital Indemnity
- Cancer Insurance
- Long-Term Care
Availability, eligibility, and policy terms vary by carrier and state, and any new coverage is subject to underwriting.
Explore ProtectionRetirement
Insurance solutions designed to help protect income and prepare for retirement.
- Annuities
- Lifetime Income Solutions
- Retirement Protection Strategies
These are insurance-based solutions. Investment, securities, tax, and legal matters belong with the appropriately qualified professionals.
Explore RetirementLegacy
Help protecting what you’ve built, preparing what you want to leave behind, and making things easier for the people who matter.
- Life Insurance
- Long-Term Care
- Beneficiary Review
- Beneficiary & Legacy Support
Beneficiary preparedness
Through our sister company, Beneficiary ProActive™, Benefits Beyond Work can provide access to beneficiary designation management and preparedness capabilities designed to help households organize and maintain important beneficiary information.
Beneficiary review and beneficiary support are services, not insurance products.
Explore Legacy
One relationship can look across the household — including the home and the things it depends on.