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Consumer Insights
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Smarter Spending for Busy Families

October 17, 2025

Between work meetings, school drop-offs, soccer practice, and weekend errands, most families barely have time to catch their breath, let alone handle an unexpected expense. 

Add in the rising costs of everything from groceries to gas, and it’s no wonder so many families are feeling stretched thin.

When budgets are tight and mistakes happen—whether it’s locking yourself out, getting sick, or a car breaking down—FIMC is there to help make your day a little easier. Our plans deliver protection, convenience, and savings that bring real relief to your family when it matters most.

Everyday Savings That Add Up

Life’s small joys shouldn’t come with big price tags. That’s why FIMC members enjoy everyday perks that make family time more affordable. Whether it’s movie tickets, bowling and pizza nights, or a weekend getaway, our discounts make it happen for less.

With exclusive deals on hotel stays, rental cars, and family entertainment, members save an average of $25 per redemption. You can also enjoy up to 50% off restaurants, shopping, museums, and attractions, helping stretch your budget without cutting out the fun.

Planning a bigger trip? The Home and Auto Plan includes discounted vacation packages at top destinations—from Disney and Universal Studios to Carnival Cruises—so you can make memories without the financial stress.

Relief When You Need It Most

Of course, family life doesn’t always go according to plan. Kids get hurt. Computers crash. Keys go missing. FIMC provides the kind of everyday protection that helps you stay calm and covered when the unexpected happens.

If you lose your house key or accidentally lock yourself out, FIMC’s 24-hour Emergency Home Locksmith Service can get you back inside quickly—saving you $200 compared to calling a locksmith on your own.

Feeling under the weather but can’t squeeze in a doctor’s appointment? With 24/7 Telehealth Access, you can connect to a licensed medical provider anytime, from anywhere, at no additional cost. It’s perfect for those busy weeks when time is short and you just need quick answers and peace of mind.

FIMC also has plans that include Emergency Home Medical Expense Reimbursement, covering emergency ambulance, paramedic, ER, and outpatient medical services for accidents at home. Families with young children can also take advantage of the Child Accident Benefit, which reimburses for emergency services when the unexpected happens.

And for today’s digital families, 24/7 ID Theft Protection and loss reimbursement helps guard your household against fraud and identity theft—a growing concern in a world where kids are online earlier and more often than ever.

Smart Protection for Real Families

About half of all Americans don’t have enough savings to cover a $500 unplanned expense. That’s why protection and prevention are so valuable. With FIMC, you don’t have to choose between covering a surprise bill and keeping your household running.

Our members get help quickly, directly, and without confusion.

Our Home and Auto Plan combines the essential coverage families need: auto protection, home support, medical assistance, and lifestyle savings—all in one plan. Whether you’re dealing with an emergency or planning a trip, it’s coverage designed to support your family’s daily life, not just crisis moments.

Making Every Day a Little Easier

Family life is a constant balancing act, and sometimes it feels like every day brings a new surprise. That’s why FIMC plans are built for real life and help with the things that matter most, both big and small.

When your schedule is packed and your budget is tight, having support you can count on makes all the difference. From locksmiths to telehealth, roadside to vacation savings, FIMC’s benefits are there to help your family recover faster, save smarter, and keep moving forward.

After all, when life happens—and it always does—you deserve a plan that’s ready for it.

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1. Sources: RecordOnline, SuperMoney, Insurance Information Institute, CNBC, Market Watch, Federal Reserve, Pew Research Center, Finder.com, Rock the Wall Street, Forbes, Modern Healthcare, Policygenius, SuperMoney, Home Guide, Bank Rate, USA Today, BusinessInsider, The Balance, Schwab Modern Wealth Survey, Simulated Open Enrollment Research Study. Savings based on sample values. Does not assume usage of all benefits by all members. Full source information available at HomeAndAuto.com. 2. FIMC benefits and services are administered by, or provided through, Home Benefits, LLC., and The American Traveler Motor Club, LLC. (in Alabama, benefits and services are administered through ATMC-Alabama, Inc.), subsidiaries of FIMC Partners, LP. 3. *Coverages are subject to terms, conditions and exclusions. Some state exclusions apply. Emergency medical services must be received within 48 hrs of the home or auto related accident. Full benefit information and limitations available at HomeAndAuto.com. 4. Underwritten by: American Bankers Insurance Company of Florida. In TX, certain underwriters at Lloyds of London. 5. Underwritten by certain underwriters at Lloyds of London. 6. Underwritten by: American Bankers Insurance Company of Florida.