Life & Health
Term, whole, and universal life paired with supplemental health and disability coverage.
From $18/mo
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For Individuals & Investors
Coverage that protects your life and your portfolio.
From your first apartment to a multi-generational estate, Newlights writes personal insurance designed around your financial reality.
Auto
Liability, collision, and high-value vehicle coverage with accident forgiveness and roadside support.
From $74/mo
Quote this coverageHome & Renters
Homeowners, condo, renters, and second-home policies, including flood and earthquake riders.
From $52/mo
Quote this coverageUmbrella
Personal liability protection layered above your auto and home — protecting investable assets.
$1M from $24/mo
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Trip cancellation, medical evacuation, and scheduled coverage for art, jewelry, and collections.
Custom
Quote this coverageInvestor Asset Protection
Coordinated coverage for accredited investors with concentrated equity, real estate, or business holdings.
Advisory
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Bundle & Save
Combine home, auto, and umbrella — save up to 22%.
Our most popular package for investors and homeowners. One advisor, one renewal date, layered liability protection for your investable assets.
Bundle a quoteWhat's included
More than a policy — a personal risk plan.
Every Newlights personal account opens with a 45-minute risk review covering your home, vehicles, dependents, investable assets, and travel footprint. We then align your coverages so there are no gaps and no expensive overlaps.
- Dedicated personal advisor on every policy
- Single annual renewal date across all lines
- Online wallet for ID cards, declarations & claims
- Free annual coverage review
- Discounts for bundling 3+ lines (up to 22%)
- Identity-theft restoration included on home & renters
- Worldwide medical evacuation up to $1M
- Concierge claims line, U.S.-based, 24/7
Frequently asked
What investors and families ask us most.
Am I covered in all 50 states?
Yes. Newlights is licensed in all 50 U.S. states and the District of Columbia. Your policy follows you across state lines, including secondary homes.
Do I need umbrella coverage if I'm not wealthy?
If you own a home, drive a car, or have meaningful retirement savings, the answer is usually yes. Personal umbrella starts at $24/month for $1M of liability above your auto & home.
How do you handle high-value vehicles or collections?
We schedule items individually with agreed-value coverage — so a 1967 Mustang or a $40,000 watch is settled at the value you agreed to, not depreciated.
What happens at renewal?
Your advisor performs a free annual review and shops your coverage against our panel of A-rated carriers. You're never auto-rolled into a higher premium without a conversation.
Can you coordinate with my financial advisor or CPA?
Yes — with your written consent, we coordinate directly with your wealth manager, attorney, and tax advisor so coverage matches your overall financial plan.
How fast can you bind a policy?
Most personal policies bind within 48 business hours. Auto and renters can often bind the same day.