You built it. We protect it.
We find the best insurance for your car, your home, your business, and your employees. No red tape, no complicated terms.
Response in minutes. 100% human support. Licensed specialists. Get a quote with no obligations.
Buying insurance shouldn’t be a shot in the dark.
Most insurance brokers sell you generic policies and then leave you helpless when a claim arises. At Lumio, things change:
Everything explained in easy language
We explain each clause of your policy in simple terms, so you know exactly what is covered.
Unbiased quotes from multiple insurers
We don’t work for just one insurance company. We scan the market (Progressive, Next, Travelers, and more) to find you the best coverage.
No unnecessary coverages
We strip away hidden fees and redundant coverage. You pay only for what truly protects your assets.
Support throughout the claims process
Had a car accident or an issue with your property? Speak directly with someone already familiar with your policy.
Understand each coverage before you decide.
Auto, home, or business: We compare and explain each coverage so you can choose knowingly.
Insurance for everything you need.
Auto, home, or business: see what each type of insurance covers and what’s left out, explained in plain language.
Click on each coverage to learn what it typically includes and what is usually excluded. The terms set out in the policy issued by the insurance company are always the ones that apply.
Auto
It covers you, your passengers, your car, and your liability in the event of an accident. In almost every state, there is a minimum level of coverage required to register and drive your vehicle.
Usually includes
Civil liability, collision, and theft.
Usually excludes
Cars used for work, natural wear and tear, and items left inside the vehicle.
Homeowners
It protects the structure of your home, your furniture and belongings, and your civil liability for accidents that occur on the property. It also covers you and your family against bodily injury or property damage caused to third parties.
Usually includes
Civil liability, damage to the structure and belongings, theft, and expenses if the home becomes uninhabitable.
Usually excludes
Flood or earthquake, and damage caused by vehicles.
Renters
Homeowners insurance covers the owner's property, not your belongings inside it. Renters insurance covers your own possessions and your personal liability within the rented property.
Usually includes
Furniture, electronics, damage caused to third parties, theft, and accommodation costs if the property becomes uninhabitable.
Usually excludes
The property's structure, which belongs to the owner, and events such as floods or earthquakes.
Umbrella
It kicks in once the civil liability limit of your personal insurance policy has been exhausted, significantly expanding your protection against third parties.
Usually includes
Extra civil liability coverage on top of the limits of the policies you already have.
Usually excludes
Damage to your own personal or business property.
Boat
It covers you and your passengers, the vessel, the trailer, and your civil liability on the water in the event of accidents.
Usually includes
Civil liability, collision, recovery, and theft.
Usually excludes
Commercial use, competitions, and hull wear and tear.
Business Owners Policy
It combines the essentials for a small business into a single policy: property, general liability, and business interruption resulting from a covered risk.
Usually includes
Property, inventory, equipment, general liability, and loss of revenue due to a covered risk.
Usually excludes
Employees and personal vehicles.
General Liability
Protects your company against lawsuits for bodily injury or property damage caused to third parties during the performance of your business activities.
Usually includes
Bodily injury, property damage to third parties, and your legal defense costs in court.
Usually excludes
Professional error, which requires a specific insurance policy, and damage to one’s own assets.
Workers’ Compensation
It provides medical care and financial support to your employees in the event of work-related injuries or illnesses.
Usually includes
Medical treatment, a portion of one's salary during leave, and legal defense for the company.
Usually excludes
Accidents occurring outside of work hours and accidents caused by intoxication while on the job.
Commercial Property
Build your policy with the coverages your business needs. Protect your property, inventory, equipment, general liability, commercial vehicles, and more, according to your specific needs.
Usually includes
Protection against fire, storms, theft, and civil liability.
Usually excludes
Flood or earthquake and Workers' Compensation.
Commercial Auto
Covers cars, vans, and other vehicles used for work. Personal car insurance does not cover commercial vehicles.
Usually includes
Civil liability, medical bills, and damage to covered vehicles.
Usually excludes
Equipment or tools inside vehicles, undeclared personal items, and trucks.
Trucking
Comprehensive coverage for your fleet and transport, ensuring your operations never stop.
Usually includes
Civil liability, damage to the truck, cargo, and trailer.
Usually excludes
Goods not included on the invoice and undeclared transactions.
Three simple steps. No red tape.
Apply in 1 minute
Phone call, email, website chat, WhatsApp, or contact form. Quick and easy. You choose the channel and the time.
We shop the market for you
We get quotes from 7+ partner insurance companies, explain the options in plain language, and find you the best rates.
You choose with confidence
Sign digitally on your mobile phone with support from our team. We stay by your side throughout the entire policy year.
People who found a solution with Lumio
Customers who decided on their own insurance, understanding every coverage, in plain language.
The Lumio standard: protection tailored to you
Full transparency, ongoing support, and expert consulting in plain language, before, during, and after signing.
You worked hard to build your life.
Don’t leave your assets unprotected.
Talk to a Lumio expert now. Get a quick, transparent, and hassle-free quote for your car, home, or business.
Frequently Asked Questions
Do I need a U.S. driver’s license to get car insurance?
In some cases, you can purchase a policy even without a license. This can vary from one insurance company to another and might require a bit more effort, so we’ll look at your specific situation and guide you through the process. Just a reminder: a valid driver’s license is still mandatory for driving.
Is car insurance mandatory?
In most states, you need at least the minimum required coverage to register and drive your car. We’ll let you know what the rules are in your state and how to stay compliant without paying more than necessary.
What determines the price of my insurance?
A few factors: where you live, the characteristics of the vehicle being insured, the coverage options you choose, the deductible, and your driving history. When we talk, we’ll show you what carries the most weight in your specific case and where adjustments can be made.
Do I need a green card or a Social Security number to get insurance?
Tell us about your situation, and we’ll let you know what can be done in your case. In many instances, things can be resolved using the documents you already have.
I have employees. Do I need Workers' Compensation insurance?
Generally, yes: if you have people working for you, you typically need Workers’ Compensation insurance, which covers employees in the event of a work-related accident or sickness and protects you from lawsuits. The rules vary by state and type of business. We can help determine what applies to your specific situation.
Do you provide service in English, Portuguese, and Spanish?
English, Portuguese, and Spanish. You can use whichever language you feel most comfortable with when discussing money from start to finish.