You need Auto Insurance to protect yourself should your vehicle be damaged or stolen. You also need insurance for liability (property damage or injury to others caused by you and other household members as a result of operating a motor vehicle). Other policy features include medical payment reimbursement and reimbursement for injury caused to you by an uninsured or inadequately insured driver. At Hometown we work very hard to find you the best deals possible on your auto insurance. By combining your auto and home/renters policies, many of our companies offer additional discounts for multi-policies, paid-in-full premiums, and more.