Coverage We Offer

Auto Insurance

State minimum liability limits were set decades ago in most states. Medical costs and vehicle repair costs ran past them long ago. We place auto coverage that would actually hold up in a real claim, not just a coverage card you hand to a police officer.

Boat Insurance

Standard homeowners policies cap watercraft coverage at very low limits, often under $2,000, and exclude most liability when the boat is in use. A separate boat policy covers the hull, your equipment, your liability on the water, and uninsured boater protection.

Homeowners Insurance

A standard homeowners policy covers more than most people think and less than most people assume. We compare your home to what A-rated carriers actually price it at, flag the coverage gaps before a claim, and explain exactly what you are buying.

Renters Insurance

Your landlord's property insurance covers the building. It covers nothing inside your unit. Renters insurance protects your belongings, covers your liability as a tenant, and pays your hotel and food costs if a covered loss makes your unit uninhabitable.

Umbrella Insurance

State minimum auto liability limits were not designed to handle real accidents. A serious at-fault accident can generate $500,000 or more in damages. A personal umbrella adds $1M to $5M of liability coverage above your home and auto policies for a few hundred dollars per year.

Condo Insurance

Your association has a master policy on the building, but it stops at your unit. Condo insurance covers the interior, your belongings, your liability, and the gap between what the master policy pays and what you actually need to repair your unit.

Flood Insurance

Standard homeowners and commercial property policies exclude flood damage. Localized storms regularly flood properties that FEMA does not classify as high-risk. Flood insurance is a separate policy through the federal NFIP program or a private flood insurer.

Landlord Insurance

The moment a tenant moves in, your standard homeowners policy stops covering the property. Landlord insurance covers the building, lost rent if a covered loss displaces tenants, and your liability as a property owner.

Jewelry Insurance

A standard homeowners or renters policy typically limits jewelry coverage to $1,500 for theft. An engagement ring, watch, or family heirloom worth $5,000 or more needs to be scheduled separately. Scheduled articles coverage insures the item specifically, at its agreed value, with no depreciation.

Motorcycle Insurance

Motorcycles are not covered under personal auto policies. Almost every state requires a separate motorcycle policy with at least minimum liability limits. Coverage gaps are common because medical costs from a motorcycle accident are higher and riders are more exposed than drivers.