1. A computer system to issue a comprehensive protection plan of at least one insurance coverage package for an individual from among a plurality of possible insurance coverages, the system comprising: a data storage device for receiving, storing, and providing access to insurance coverage data and insurance coverage package data; a computer processor for executing program instructions and for retrieving the insurance coverage data and the insurance package data from the data storage device; a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor; a configuration engine comprising program instructions stored in the memory, for receiving a policy request from an individual, and identifying one or more of the plurality of insurance coverage packages based on said policy request from said individual and based on a determination of the compatibility of individual policy features in an insurance coverage package; a communication device, coupled to the computer processor, for presenting the identified one or more insurance coverage packages and for receiving a selection of a selected one of the insurance coverage packages; and a policy record data storage device for storing a policy record associated with the selected insurance coverage package and associating the policy record with at least one policy record of a second insurance coverage package, where the selected insurance coverage package and the second insurance coverage package are for different property types.