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Personal Insurance
One agency for your home, your car and everything in between. We compare several insurance companies, point out gaps before you buy, and look again at every renewal so your coverage keeps up with your life.
★ 5.0 on Google · Agents Licensed in 10 States
Your Options
Coverage for Everything You Own
Homeowners
Your home, belongings and liability.
Dwelling, roof, contents and liability, including wind and storm coverage where it applies. We'll explain your deductibles before you need them.
Auto
Required coverage plus limits that protect you.
Your state's required coverages, plus the bodily injury and uninsured motorist limits most people should carry.
Flood
Separate from your home policy.
Home policies exclude flood. NFIP and private flood, with the waiting period explained.
Renters & Condo
Your belongings and liability.
Belongings, liability and condo unit coverage (HO-6).
Life
Term and permanent coverage.
Term life for mortgages and young families, and permanent coverage.
Umbrella, Boat & More
Extra liability, boats and golf carts.
Umbrella liability, boats, golf carts and motorcycles.
Where We Work
Agents Licensed in Multiple States
We write home, auto, flood and umbrella coverage in every state where our agents are licensed, by phone, text and email. Tap a state to see what's different there.
States where our agents are licensed
Get Ready
Start Once, Quote Everything
Answer the basics once. Each extra line only needs a few more details, so quoting three policies takes about as long as one. We'll ask for license details by phone, never on a form.
Get a QuotePair It With
Coverage Gaps We Find Most Often
When we review a new client's policies, these are the gaps we see again and again. We check for every one of them when we quote you, so there are no surprises at claim time.
Flood Isn't Covered by Your Home Policy
Home and renters policies exclude flood, even outside high-risk zones, and most flood policies have a waiting period.
A Lawsuit Can Be Bigger Than Your Limits
A serious car accident or a guest hurt at your home can lead to a claim above your home and auto limits. An umbrella adds protection on top of both.
Your Landlord's Policy Doesn't Cover Your Things
The building owner's insurance covers the building. Your belongings and your liability need your own renters policy.
Boats, Golf Carts and Motorcycles Need Their Own Coverage
Many people assume their home or auto policy covers them. Most need a separate policy or an added endorsement.
A Business Run From Home Usually Isn't Covered
A side business, freelance work or an online shop usually needs its own coverage, since home policies limit business equipment and exclude business liability.
Your Home Policy Won't Replace Your Income
If something happened to you, life insurance sized to your mortgage helps your family keep the house.
Save Without Cutting Coverage
Ways to Lower Your Premium
Every company prices differently, so we check which of these apply to you before you buy.
- Compare more than one insurance company at every renewal
- Choose deductibles you could comfortably pay
- Ask about home and auto with the same company, since some offer a discount when both are with them
- Keep a clean driving and claims record
- Updates like a newer roof, storm protection or an alarm system can lower home premiums with many companies
Google Reviews
What Our Clients Say
★★★★★ 5.0 on Google
Best insurance company out there! They will tell you all of your options and work with you the whole time.
David M.
Had trouble finding any insurance company to give me homeowners insurance on a duplex that I own. Within two days they had me four quotes that I can choose from. Will definitely use them again next year!
Calvin F.
Very professional. Agents were friendly and very easy to work with. I would highly recommend giving them a try. Their rates are very reasonable.
Travis 'n Joy
Questions
Personal Insurance Questions
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Is it cheaper to bundle home and auto?
Sometimes. A bundle discount only applies when both policies are with the same insurance company, and how much you save varies by company and state. We price both ways and show you which costs less.
Does my home policy cover flood?
No. Flood is a separate policy, and most have a waiting period before coverage starts, so it's best not to wait for a storm forecast.
How much umbrella coverage do I need?
Many people start at $1 million. If your assets or income are higher, we'll talk through whether more makes sense.
Will shopping my insurance hurt my credit?
No. Insurance companies may check an insurance score, which is a soft inquiry that doesn't affect your credit score.
When should I review my coverage?
At every renewal, and any time you buy a home or car, add a driver, renovate or start a business from home.
Dropped or Facing a Big Increase?
Send us your current policy and we'll shop it across several insurance companies.