There are a variety of risks associated with owning and operating A personal vehicle. Auto policies typically offer two basic types of coverage: liability and full coverage. Liability protects the other driver and their vehicle in an accident in which you are at fault, and it makes you legal to drive. Full coverage protects your vehicle from perils such as flood, theft, hurricane, or at-fault collision. Other optional medical coverages can be added. At McKinney Insurance, we customize your quote and coverage options to meet your needs.