When people hear "free insurance review," they often assume there's a catch — that it's really just a sales pitch in disguise. We get it. That skepticism is healthy.
So let's be completely transparent: here's exactly what a free insurance review with McNeilly Insurance Agency covers, why we offer it, and what you can expect.
What We Actually Look At
Your Auto Insurance Limits
This is where most San Diego families have the biggest gaps. We'll look at your current bodily injury and property damage limits and compare them to what accidents in California actually cost.
California's minimum limits ($30,000/$60,000 bodily injury, $25,000 property damage) are dangerously low by today's standards. We'll show you exactly where you stand and what it would cost to close the gap — often less than you'd expect.
Your Homeowners or Renters Insurance
We review your dwelling coverage amount, personal property limits, and liability coverage. Many homeowners are underinsured on their dwelling — meaning if their home were destroyed, their policy wouldn't fully cover the cost to rebuild at today's construction prices.
Your Life Insurance Coverage
We'll help you understand how much coverage your family actually needs based on your income, debts, and dependents — and compare that to what you currently carry. Many families are significantly underinsured here, often because they haven't revisited their policy since they first bought it.
Umbrella Liability Coverage
An umbrella policy is one of the most cost-effective ways to protect your assets. We'll explain how it works, whether it makes sense for your situation, and what it would cost. For most San Diego homeowners, the answer is yes — and the price is lower than most people expect.
Business Coverage (If Applicable)
If you own a small business, we'll take a quick look at whether your personal and business policies are properly coordinated. Many small business owners have gaps they don't know about.
What You'll Walk Away With
- A clear picture of where your coverage is strong
- A plain-language explanation of any gaps we find
- Honest recommendations for how to address them — with no obligation to act
- Answers to any questions you've had about your insurance
We don't use jargon. We don't pressure you. We just give you the information you need to make a good decision for your family.
Why We Offer This for Free
Simple: we're a local San Diego agency, and we believe in earning business the right way — by being genuinely helpful first.
Most people who go through a review either find out they're well-covered (great news) or discover gaps they want to fix (we can help with that). Either way, you leave better informed than when you came in.
Right now, we're offering free insurance reviews for San Diego families — no obligation, no pressure, just 30 minutes and honest advice.
McNeilly Insurance Agency serves San Diego and the greater Clairemont area. Call us at (858) 900-9790.