Personal insurance
Home, auto, and
the rest of it.
Most households add policies one at a time. After a few years, the limits, deductibles, and renewal dates may no longer line up. We review the full picture and help you decide what needs attention.
Personal coverage
What we can help
you insure
Choose a category to see what we review and what information we need to quote it.
Home insurance
Coverage for the house, detached structures, belongings, liability, and temporary living expenses. We also review rebuilding estimates and deductible options.
Auto insurance
Coverage for the vehicles and drivers in your household, including liability, physical damage, uninsured motorist, rental, and roadside options.
Umbrella insurance
Additional liability coverage above your home and auto policies. We review the underlying limits and help you choose an amount that fits your situation.
Life insurance
Term and permanent options based on your income, debts, family responsibilities, and how long the coverage needs to last.
Recreational & toys
Coverage for boats, RVs, motorcycles, and ATVs, including liability, physical damage, accessories, and how each vehicle is used.
Flood insurance
A separate policy for flood damage, with options available both inside and outside mapped flood zones.
Dwelling fire & landlord
Coverage for rental and investor-owned property, including the building, liability, loss of rents, and different settlement options.
Why independent
Why work with an
independent agency?
We work with multiple insurance carriers rather than representing just one. That lets us compare available options and explain the differences in coverage, deductibles, and price. At renewal, we can review the market again without asking you to start over with a new agency.
Want us to review your current policies?
Send the declarations pages you already have. We will review them together and let you know where we see gaps, overlaps, or limits worth discussing.