Personal Insurance
Coverage that fits the way you actually live.
We're independent. That means we compare carriers, not push one. You get the policy that fits — not the one with the best commission.
Auto Insurance
The right coverage starts with the right questions.
Most people get an auto quote based on three things: car, ZIP, driving record. We ask more. Who drives it? Do you commute or work from home? Any teens? Any rideshare? Do you have assets worth protecting? That's how we end up with a policy that's actually right — not just cheap.
We work with multiple carriers, so when your situation changes, we shop it. No loyalty tax.
Coverage we'll review
- Liability (bodily injury + property)
- Collision & comprehensive
- Uninsured / underinsured motorist
- Medical payments
- Rental reimbursement & roadside
- Gap coverage for newer financed vehicles
- Rideshare endorsements (Uber / Lyft)
Homeowners
Your house is the biggest asset most families own. Protect it like one.
A homeowners policy isn't just about the structure. It covers your stuff inside, liability if someone gets hurt, and additional living expenses if you can't live there for a while. We make sure all four are right-sized — including replacement cost, not actual cash value, on dwelling and contents.
If you've remodeled, added a pool, started a side business at home, or your area's been re-rated for hail or wind — your policy probably needs an update. We'll look.
What's typically covered
- Dwelling (the structure)
- Other structures (garage, fence, shed)
- Personal property (contents)
- Loss of use / additional living expense
- Personal liability
- Medical payments to others
- Endorsements: water backup, service line, equipment breakdown
Renters
Your landlord's insurance covers the building. Not your stuff.
Renters insurance is cheap — usually $15–25 a month — and covers your belongings, liability if you accidentally damage the unit, medical payments if a guest gets hurt, and a hotel if the building becomes uninhabitable. If you rent, you need it.
Bonus: many auto carriers give a multi-policy discount that makes the renters policy nearly free in net cost.
What renters covers
- Personal belongings (theft, fire, water damage)
- Liability if you damage the unit
- Guest medical payments
- Loss of use (hotel costs)
- Optional: high-value items, identity theft
Landlord / Rental Dwelling
Renting out a property? Your homeowners policy probably doesn't cover it.
If you own a property you rent out — a single-family rental, a duplex, an investment condo — you need a landlord policy (also called a DP-3 or rental dwelling policy). It covers the structure, lost rent if the property becomes uninhabitable from a covered loss, and liability from tenant or guest injuries.
Common gap: people convert a primary residence to a rental and forget to switch the policy. A claim under a homeowners policy on a tenant-occupied property usually gets denied.
What landlord policies cover
- Dwelling & other structures
- Loss of rental income
- Owner liability
- Vandalism & theft of owner-owned items
- Optional: ordinance & law, water backup
Personal Umbrella
Extra liability that sits on top of everything else.
An umbrella policy adds an additional $1M, $2M, $5M (or more) of liability coverage on top of your auto, home, and watercraft policies. If a serious accident lands you in a lawsuit that exceeds your underlying limits, the umbrella kicks in.
Most people who should have an umbrella don't, because no one ever offered it. If you own a home, have a teen driver, have any meaningful assets, or have a pool — get the quote. It's usually $200–400/year for $1M of coverage.
You probably need one if
- You own a home with equity
- You have teen drivers
- You have a swimming pool, trampoline, or large dog
- You host events or have rental property
- Net worth above the coverage limits on your underlying policies
Motorcycle
Different vehicle. Different policy.
Motorcycles need their own policy — adding a bike to your auto policy usually isn't an option. We cover Harleys, sportbikes, cruisers, dirt bikes, and trikes. Coverage includes liability, collision, comprehensive, custom parts & equipment, and optional roadside.
Many policies also include passenger liability and rider gear coverage — worth asking about if you ride two-up or own meaningful gear.
What we cover
- Liability (bodily injury + property)
- Collision & comprehensive
- Custom parts & equipment
- Uninsured / underinsured motorist
- Optional: roadside, total loss replacement
Boat & Watercraft
Boats, jet skis, sailboats — all need their own coverage.
Homeowners policies cover very limited watercraft, and only sometimes. For anything bigger than a small canoe, you want a separate policy. We write boats up to large cruisers, personal watercraft (jet skis), and sailboats.
Coverage includes liability, hull, motor, trailer, and optional fuel-spill liability — which is mandatory in some marinas.
Covered watercraft
- Powerboats & cruisers
- Personal watercraft (jet skis)
- Sailboats
- Pontoon boats
- Boat trailers
- Stored equipment & gear
Flood
Your homeowners policy doesn't cover flood. Not even a little.
This catches more homeowners by surprise than almost anything else. Water that comes up from the ground — rising rivers, storm surge, flash flooding, even sewer backups in some cases — isn't covered by a standard homeowners policy. You need a separate flood policy.
Even outside FEMA-designated flood zones, more than 20% of flood claims come from low-to-moderate risk areas. We write through the National Flood Insurance Program (NFIP) and private flood markets.
What flood policies cover
- Building / dwelling structure
- Personal contents (separate limit)
- Foundation, electrical, plumbing
- Built-in appliances & HVAC
- Detached structures (limited)
Valuable Items / Scheduled Personal Property
Engagement rings, watches, art, instruments — they need their own coverage.
Standard homeowners policies cap jewelry at around $1,500 total and have similar limits for art, collectibles, firearms, and instruments. If you own anything valuable beyond those limits, you want a scheduled personal property endorsement (also called a "floater").
Scheduled coverage is broader — typically covers mysterious disappearance, accidental loss, and worldwide travel — and there's usually no deductible. Worth doing for an engagement ring alone.
Commonly scheduled items
- Jewelry & watches
- Fine art & collectibles
- Firearms
- Musical instruments
- Cameras & professional equipment
- Rare coins, stamps, sports memorabilia
Get a proposal
Tell us what you have. We'll compare carriers.
Independent agency means we shop multiple carriers for you. One conversation, multiple options.
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