We are not employees of any insurance company. We hold agency appointments with multiple carriers, which means we can legally shop and bind policies from all of them. When you call a captive agent like State Farm or Allstate, they can only offer you that one company's products. We compare twelve.

We are appointed with Progressive, Travelers, Nationwide, The Hartford, Bristol West, Acuity, Auto-Owners, IMT, West Bend, GAINSCO, Employers, and Chubb. The right carrier depends on your risk profile, not which one runs the most ads.

At every renewal, and any time something significant changes: you buy a home, get married, add a driver, start a business, or your income changes. We contact every client before their renewal date to review. You do not have to remember to call us.

Yes. We do not file the claim for you, but we walk you through the process, help you understand what your policy covers, and advocate on your behalf if the carrier's settlement offer looks low. We stay involved until it closes.

No. You cancel your existing policy, you receive a prorated refund for the unused premium, and your new policy begins the same day. We coordinate the timing so there is no gap in coverage. Most clients do it in one phone call with us.

No. We are compensated by the carriers through agency commissions, which are built into the premium you pay regardless of whether you use an agent or buy direct. Using an independent agent costs you nothing extra and gives you access to market comparison you would not have otherwise.

Bank-placed coverage, also called force-placed insurance, is almost always more expensive and narrower in coverage than a policy you choose yourself. It protects the lender's interest, not yours. We recommend reviewing it and replacing it with a policy that actually fits your situation.