# Policy Valet

> Plain-English reviews of every major personal and business insurance policy — auto, home, life, health, Medicare, general liability, workers' comp, cyber and more — what each one covers, where the gaps are, and a connection to an independent licensed agent near you.

Policy Valet is an independent directory. People describe what they are looking for; the platform matches them with independent agents. Content is educational only — not professional advice. Part of the R0cketShip network.

## Explore
- [Home, auto & property coverage](https://policyvalet.com/explore/home-auto-and-property): The core policies that protect where you live and what you drive.
- [Life & income protection](https://policyvalet.com/explore/life-and-income-protection): Term, whole life, disability and long-term care — coverage for your family's income and future.
- [Health insurance & Medicare](https://policyvalet.com/explore/health-and-medicare): Marketplace, employer and Medicare coverage — and how dental and vision fit in.
- [Pet & travel coverage](https://policyvalet.com/explore/pet-and-travel-coverage): Protecting pets and trips from the unexpected.
- [Small business core coverage](https://policyvalet.com/explore/small-business-core-coverage): General liability, property and the business owner's policy that bundles them.
- [Workforce & business vehicles](https://policyvalet.com/explore/workforce-and-business-vehicles): Covering employees, company vehicles and the people a business depends on.
- [Cyber, leadership & product risk](https://policyvalet.com/explore/cyber-leadership-and-product-risk): Protecting a growing business from data breaches, lawsuits and product claims.
- [Reviewing your policies](https://policyvalet.com/explore/reviewing-your-policies): How to read a policy, find the gaps, bundle smartly and handle a claim.

## Specialties
- [Auto insurance](https://policyvalet.com/modalities/auto-insurance): liability coverage, collision coverage, comprehensive coverage, uninsured motorist coverage
- [Homeowners insurance](https://policyvalet.com/modalities/home-insurance): dwelling coverage, personal property coverage, liability coverage, loss-of-use coverage
- [Renters insurance](https://policyvalet.com/modalities/renters-insurance): personal property coverage, liability coverage, loss-of-use coverage
- [Condo insurance (HO-6)](https://policyvalet.com/modalities/condo-insurance): interior unit coverage, personal property coverage, loss assessment coverage
- [Umbrella insurance](https://policyvalet.com/modalities/umbrella-insurance): excess liability coverage, personal injury coverage, worldwide liability coverage
- [Term life insurance](https://policyvalet.com/modalities/term-life-insurance): level term policies, decreasing term policies, convertible term policies
- [Whole life insurance](https://policyvalet.com/modalities/whole-life-insurance): permanent life coverage, cash-value policies, final expense policies
- [Disability insurance](https://policyvalet.com/modalities/disability-insurance): short-term disability, long-term disability, own-occupation policies
- [Long-term care insurance](https://policyvalet.com/modalities/long-term-care-insurance): home care benefits, assisted living benefits, nursing home benefits
- [Health insurance](https://policyvalet.com/modalities/health-insurance): marketplace plans, employer plans, short-term health plans
- [Medicare plans](https://policyvalet.com/modalities/medicare-insurance): Medicare Supplement (Medigap) plans, Medicare Advantage plans, Part D prescription drug plans
- [Dental & vision insurance](https://policyvalet.com/modalities/dental-vision-insurance): standalone dental plans, standalone vision plans, bundled dental/vision riders
- [Pet insurance](https://policyvalet.com/modalities/pet-insurance): accident-only plans, accident & illness plans, wellness add-ons
- [Travel insurance](https://policyvalet.com/modalities/travel-insurance): trip cancellation coverage, travel medical coverage, baggage & delay coverage
- [Flood insurance](https://policyvalet.com/modalities/flood-insurance): NFIP policies, private flood policies
- [Earthquake insurance](https://policyvalet.com/modalities/earthquake-insurance): earthquake endorsements, standalone earthquake policies
- [General liability insurance](https://policyvalet.com/modalities/general-liability-insurance): bodily injury coverage, property damage coverage, products-completed operations coverage
- [Commercial property insurance](https://policyvalet.com/modalities/commercial-property-insurance): building coverage, business personal property coverage, business income coverage
- [Business Owner's Policy (BOP)](https://policyvalet.com/modalities/bop-insurance): bundled general liability + property, business interruption coverage
- [Workers' compensation insurance](https://policyvalet.com/modalities/workers-comp-insurance): statutory workers' comp coverage, employer's liability coverage
- [Commercial auto insurance](https://policyvalet.com/modalities/commercial-auto-insurance): liability coverage for business vehicles, hired & non-owned auto coverage, cargo coverage
- [Professional liability / E&O insurance](https://policyvalet.com/modalities/professional-liability-insurance): errors & omissions coverage, malpractice-style coverage for non-medical professions
- [Cyber insurance](https://policyvalet.com/modalities/cyber-insurance): data breach coverage, ransomware & extortion coverage, business interruption from a cyber event
- [Directors & officers (D&O) insurance](https://policyvalet.com/modalities/directors-officers-insurance): D&O liability coverage, entity coverage, side-A/B/C structures
- [Product liability insurance](https://policyvalet.com/modalities/product-liability-insurance): product liability coverage, recall expense coverage
- [Surety bonds](https://policyvalet.com/modalities/surety-bonds): license & permit bonds, contract/performance bonds, fidelity bonds
- [Key person insurance](https://policyvalet.com/modalities/key-person-insurance): key person life coverage, key person disability coverage

## Who we help
- [Homeowners](https://policyvalet.com/for/homeowners): to review home, auto and umbrella coverage together and close gaps
- [Renters & condo owners](https://policyvalet.com/for/renters-and-condo-owners): affordable coverage for belongings and liability
- [Growing families](https://policyvalet.com/for/growing-families): life, disability and health coverage as responsibilities grow
- [Pre-retirees & seniors](https://policyvalet.com/for/pre-retirees-and-seniors): to understand Medicare, long-term care and final-expense coverage
- [Pet owners & travelers](https://policyvalet.com/for/pet-owners-and-travelers): coverage for unexpected vet bills and trip disruptions
- [Small business owners](https://policyvalet.com/for/small-business-owners): the right combination of liability, property and workers' comp coverage
- [Founders, executives & professionals](https://policyvalet.com/for/founders-and-executives): protection against lawsuits, cyber incidents and the loss of a key person

## Key pages
- [Topics A–Z](https://policyvalet.com/topics)
- [Answers](https://policyvalet.com/answers)
- [FAQ](https://policyvalet.com/faq)
- [Full knowledge base](https://policyvalet.com/llms-full.txt)
- [HTML sitemap](https://policyvalet.com/sitemap)
- [Get matched](https://policyvalet.com/find)
- [Agents](https://policyvalet.com/providers)
- [Programs & events](https://policyvalet.com/events)
- [For agents](https://policyvalet.com/for-practitioners)
- [Safety](https://policyvalet.com/safety)

## Feeds
- [All feeds](https://policyvalet.com/feeds): every feed and sitemap for this site in one place
- [RSS feed](https://policyvalet.com/feed.xml): every page and update, newest first
- [JSON Feed](https://policyvalet.com/feed.json): the same items as JSON Feed 1.1
- [XML sitemap](https://policyvalet.com/sitemap.xml)