Our products
Many options. One conversation.
We compare home and auto coverage across the carriers we work with, tell you what each policy does, and help you choose. It's a single conversation, not multiple quotes to sort through on your own.
Homeowners insurance
More than a policy number
Most homeowners policies look alike from the outside. The differences are in the limits, the deductibles, and what counts as excluded. We go through what they mean for your home specifically, and check that the coverage matches the actual cost to rebuild.
- Dwelling | Rebuilding the structure itself
- Personal property | Your belongings, including what's in the garage
- Liability | If someone is hurt on your property
- Additional living expenses | Somewhere to stay during repairs
Auto insurance
More than the state minimum
The state minimum is a legal requirement, not a sensible amount of protection. A single serious accident can cost more than you're required to carry, and the difference comes out of your pocket. We show you where you are now, what it would cost you, and what it takes to close the gap.
- Liability | Damage or injury you cause to someone else
- Collision | Repairs to your own car
- Comprehensive | Theft, weather, and the things that are not collisions
- Uninsured and underinsured | When the other driver doesn't have sufficient coverage
Flood insurance
Your homeowners insurance policy doesn't cover flooding
It never has. Flood insurance is bought separately, and most people find that out at the worst possible moment.
- Building coverage | The structure itself and what is built into it
- Contents coverage | Your belongings, bought separately from the building
- Your flood zone | What the designation means in practice, not just on the map
- Waiting periods | Flood coverage doesn't always start the day you buy it
Additional coverages
What a standard policy leaves out
A standard homeowners policy has edges, and most people never find out where they are until they need to. Some of the most useful coverage sits just outside it. We go through what applies to your home and tell you plainly what you can skip.
- Flood | Never covered by a standard home policy, wherever you live. See flood insurance
- Umbrella liability | Extra protection when a claim goes past your policy limits
- Valuables | Jewelry, art, and the items your policy caps
- Water backup | When a drain or sewer backs up into the house
Frequently asked questions
- An insurance company sells you its own policies. We don't have our own. We compare the carriers we work with and help you choose among them, so we can tell you when someone else is the better fit.
- Yes, and we'll tell you whether combining them saves you anything. Sometimes it does. Sometimes it doesn't, and we'll say so.
- Send us a photo of your declarations page (the summary sheet from your insurer), and we'll review what you've got. If it's already the right policy, we'll tell you that and leave you to it.
- The first conversation is about fifteen minutes. Comparing the market takes us a day or two. If your home needs an inspection before a carrier will provide a quote, we'll let you know early and help you arrange it.
- Enough to rebuild your home at today's costs, which is rarely what you paid for it and never what it would sell for. We'll check the figure your current policy uses and tell you if it's short.
- Replacement cost covers the cost to replace what you lost. Actual cash value pays what it was worth after years of wear, which is usually a lot less. It's one of the differences most likely to surprise you at claim time, and we'll tell you which one you have.
- The part of your policy that covers the structure itself — walls, roof, and what's built in. It's set to the cost of rebuilding, not the market value of the house, and getting that figure wrong is the most expensive mistake on a homeowners policy.
Not sure what you need?
That's what we're here for. We'll listen, compare your options, and explain what makes sense for you.