Don’t Settle

You have options. Don’t let lack of time and energy force you to settle on the first insurance policy you find. We’re here to do the shopping for you.

It’s a simple, easy process:

  • You tell us what you need. We’ll probably ask questions to understand your unique circumstances.

  • Then, we look at the insurance options out there and get back to you with the best coverage and prices. We’ll explain everything and provide whatever you need.

  • Then, you only have to pick the winning policy.

If you’re unsure, that’s okay. We offer a free consultation call - no obligations, just a friendly chat.

Property Insurance

Is your home located in a flood-prone area? Do you need additional windstorm or hail coverage? Are your belongings insured?

A lot of factors go into picking the right property insurance. We’re here to make the whole process easier for you, and help you make the right choice.

After all, you’ve probably invested a lot of money into your properties—so give them the best protection (without the insanely high premiums).

  • Every home is different, from the location to the belongings within. That’s why you need a personalized policy—so that you can get the proper coverage, without paying for excess.

    A Homeowners Insurance typically covers damages from fire and smoke, water (excluding flood), windstorm/hail, and theft. Flood damage or loss requires a separate insurance. And depending on where you live, you may need additional windstorm or hail coverage.

    Available discounts include:

    - Monitored fire and burglary alarms

    - Multi-policy discount

    - Fire extinguishers

  • 25% of all Flood Insurance claims come from non-flood prone areas in the U.S. Yikes. So while it’s optional for some properties, you might want to consider still getting one. And if you’re not sure whether it’s mandatory in your area, don’t worry—we’ll do the research and let you know.

    A Flood Insurance typically covers damage to buildings and personal contents caused by floodwater.

    But take note of what it doesn’t cover:

    - Damage caused by moisture, mildew, or mold that could have been avoided.

    - Property and belongings outside of an insured building (e.g., swimming pools, seawalls).

    - Damage from wind-driven rain.

    Available discounts include:

    National Insurance Program’s CRS. You may be eligible for a discount if your community participates in the National Flood Insurance Program’s Community Rating System (CRS)—a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed the minimum NFIP Requirements.

  • Confused about whether you or the Association is responsible for insurance? You should be able to check it in the Association’s By-laws.

    The Association’s policy usually includes flood damage, but typically only covers the building structure—not the unit’s interior or owner’s possessions.

    Available discounts include:

    - Monitored fire and burglar alarms

    - Multi-policy

    - Fire extinguishers

    - Non-smoker

  • Being a renter doesn’t exempt you from getting insurance.

    While your landlord will insure the structure of the building (walls, roof, and foundation), you’re responsible for the contents and your belongings.

    A Renters policy typically covers:

    - Personal Property

    - Loss of use

    - Liability

    Quick tip: Create a personal inventory of your possessions so that you can assess how much coverage you’ll want or need.

    Available discounts include:

    - Multi-policy

    - Monitored fire and burglar alarms

    - Fire suppressant systems, like sprinklers

  • Diamond stud earrings, a Rolex watch, an antique armoire—do you own items like these? Protect yourself from huge losses buy getting extra coverage. While a property insurance covers personal belongings, they usually have low limits and might not be able to cover high-value items like these.

    Items to consider:

    - Jewelry

    - Art

    - Antiques

    - Electronics

    Quick tip: When you decide to get coverage for items that appreciate over time, review their valuation periodically.

Vehicle Insurance

Ah, your toys! Taking good care of them? That should extend to picking the right insurance. We don’t mean expensive insurance. We mean good coverage at a reasonable price.

Splurge on your vehicles, but pick policies that save you money.

  • Companies use different criteria to determine your premium. This is where having options becomes extra valuable—you can find lower priced policies that offer the same coverage.

    Available discounts include:

    - Safe driver

    - Multi-policy

    - Multi-vehicle

    - Good student

  • Similar to an auto insurance, rates for the same coverages can vary widely between insurance companies.

    They each use their own method for computing your premium. They’ll look at factors like your age, gender, riding experience, driving record, training, and others.

    So, take advantage of having options and find the policy that best protects you, while saving you money.

    Available discounts include:

    - Safe rider / safety course

    - Multi-policy

  • Get coverage for your home away from home as well, so that you’re protected from anything that can happen on or off the road.

    While it’s true that some RVs can be covered by an Auto or Homeowners policy, there are policies that have specialized coverages. In fact, there are a few types of RV policies: seasonal, full-timers, and those that cover a tow-behind trailer as opposed to a self-contained motorhome.

    Like the Homeowners Insurance, it’s good to have an inventory of items you carry in your RV to make sure that they’re covered too.

    Available discounts include:

    - Association Membership

    - Safety Course Completion

    - Multi-policy

  • Don’t ruin a perfect, relaxing moment on your boat by constantly thinking about your overpriced insurance policy (thinking about maintenance and upkeep is enough).

    A boat insurance typically covers:

    - Physical damage

    - Liability

    - On-water towing

    - Fishing equipment (though this and other special equipment may require additional coverage)

    A boat policy may allow you to “lay up” your boat, which means you can lower your premium by using your boat only during certain months.

Other Insurance

We carry more than just home and auto insurance policies. Like we always say, get customized coverage—and that applies to business and lifestyle protection.

  • Our team of insurance experts will help you identify potential risks that are unique to your business, whether you’re a sole proprietorship or a multi-million dollar company. Armed with that information, we shop for policies that can best protect you.

    The best Business Insurance package is built with a combination of several policies:

    - Commercial General Liability. This policy covers legal liability arising from non-professional negligent acts on or off the business’s premises. It can be purchased as a stand-alone policy or bundled with other coverages.

    - Commercial Package Policy. This policy gives any-sized business the ability to bundle various types of coverage within a single policy. Packages are customized for each company based on general and specific risks they carry.

    - Business Owner’s Policy (BOP). This policy combines major property and liability coverage into a single package. It’s typically designed for businesses with fewer than 100 employees and less than $5 million in sales.

    - Business Auto Insurance. This policy provides company-owned vehicles with coverage for bodily injury, property damage, comprehensive collision, uninsured/underinsured and medical payments.

    - Workers Compensation. This policy typically covers 2 types of injuries and illnesses: a specific work-related accident and harm that occurs over a period of time that is directly related to employment.

  • Bulk up your coverage.

    Do you have coverage for your home and your car? Did you choose higher limits of liability to make sure you’re protected?

    An Umbrella Policy can provide an even greater level of protection by filling the gaps left by your other policies. It features higher limits and broader coverage that includes protection for claims or lawsuits that could threaten your lifestyle.

    Your Umbrella Insurance Policy extends the normal coverage limits of other “underlying” policies.

    Typically, these includes:

    - Liabilities beyond normal coverage

    - Coverage anywhere in the world

    - Attorney fees and defense costs

    Take note that there are usually minimum liability limits that you must carry on your underlying policies to qualify for Umbrella coverage.

    Quick tip: When deciding coverage limits, it’s generally recommended to purchase enough to cover your net worth.

    Available discounts include:

    - Age

    - Safe driving record

    - Claims-free

    - Good credit

Ready to check out your options?

Book a free consultation call with a local agent today.

No commitments yet. We’ll just talk about your needs and present circumstances. Then, we can look for options and see where you can save the most, without sacrificing good coverage.

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