One Agent. Every Policy. Total Peace of Mind.
123 Insurance Group compares rates from 30+ top-rated carriers to find you the best coverage at the best price. Home, auto, business, and everything in between.
Google Reviews
127 reviews
What if your house floods?
Standard homeowners policies don't cover floods. We'll make sure you're protected.
What if you're in an accident?
We'll fight to make sure your claim is handled fairly, not just quickly.
What if your business gets sued?
The right commercial policy can be the difference between recovery and ruin.
Trusted by top-rated carriers nationwide
Personal + Commercial
Personal Lines
Home Insurance
Dwelling, property, liability, and living expenses
Auto Insurance
Full coverage, liability, collision, and comprehensive
Umbrella Policy
Extra liability protection for your family’s assets
Renters Insurance
Personal belongings and liability for renters
Commercial Lines
General Liability
Third-party injury and property damage claims
Business Owners Policy
GL + property in one cost-effective package
Workers Compensation
Employee injury and illness coverage
Commercial Property
Building, equipment, and inventory protection
We Work for You. Not the Insurance Company.
30+ Carriers Compared
We are not locked into one company. We shop your coverage across more than 30 top-rated carriers to find the best combination of price and protection.
Claims Advocacy
When you file a claim, you are not navigating the process alone. David personally advocates on your behalf, communicating directly with adjusters to ensure your claim is settled fairly and quickly.
Annual Coverage Review
Life changes, and your insurance should keep up. Every year, we review your policies to make sure you have the right coverage at the best price.
Real Claims, Real Advocacy
Kitchen Fire — $47,000 Claim
When the Martins’ kitchen caught fire, David was on the phone with the adjuster within hours. He personally documented every damaged item, negotiated the replacement value of custom cabinetry, and secured temporary housing for the family within 48 hours. The claim was settled in full — $47,000 — with zero out-of-pocket surprise.
Read the full story →Rear-End Collision — Underinsured Motorist
After a rear-end collision left Jessica with $18,000 in medical bills, the at-fault driver’s policy only covered $15,000. David had made sure Jessica carried underinsured motorist coverage. He filed the UIM claim, coordinated with both carriers, and got Jessica fully reimbursed without her ever having to make a single call.
Read the full story →Burst Pipe — Emergency Relocation
A burst pipe flooded the Thompson family’s entire first floor on a Sunday night. David answered his phone, called a water mitigation crew, and arranged a hotel for the family that same evening. He managed the entire restoration process over the next three months, keeping the family updated weekly until they moved back in.
Read the full story →Your Annual Review
Every year, David proactively re-shops your policies at renewal. No other agent type does this. Captive agents can't, and online companies won't.
We Pull Your Current Policies
David gathers your existing policy details, reviews your current coverages, deductibles, and limits, and identifies any gaps or changes in your situation.
We Requote Across 30+ Carriers
Using our independent market access, we run your profile through every available carrier to find competitive rates — often uncovering savings you didn’t know existed.
You Keep the Best Rate — Or We Find a Better One
If your current carrier is still the best deal, you keep it. If we find better coverage or a lower rate, we switch you over with zero hassle.
From First Call to Full Coverage
Free Consultation
Tell us about your situation. We listen first, then recommend.
Market Comparison
We shop 30+ carriers to find your best rates and coverage.
Review & Choose
We present your options side-by-side. No pressure, just clarity.
Ongoing Support
Annual reviews, claims advocacy, and a direct line to David.
See Why Clients Trust David
Watch: How Medicare Works
3:45
Protect What Matters Most
Home Insurance
Protect your home, personal belongings, and liability. We compare rates across 30+ carriers to find the best fit for your property and budget.
Get a Quote →Auto Insurance
Full coverage, liability, collision, and comprehensive options from top-rated carriers. Bundle with home for additional savings.
Get a Quote →Umbrella Policy
Extra liability protection that kicks in when your home or auto policy limits are exhausted. Essential for families with assets to protect.
Get a Quote →Renters Insurance
Affordable protection for your personal belongings, liability coverage, and temporary living expenses if your rental becomes uninhabitable.
Get a Quote →Keep Your Business Protected
General Liability
Protects your business against third-party claims for bodily injury, property damage, and advertising injury.
Get a Quote →Commercial Property
Coverage for your business property, equipment, inventory, and income loss due to covered events.
Get a Quote →Business Owners Policy
Combines general liability and commercial property into one convenient, cost-effective package for small businesses.
Get a Quote →Workers Compensation
Required in most states. Covers employee medical costs and lost wages for work-related injuries and illnesses.
Get a Quote →Most of Our Clients Save Money When They Switch
Top-Rated Carriers
Of Clients Were Overpaying
For a Free Coverage Review
Real Stories. Real Savings.
“David found us better coverage for less money. We saved over $800 a year by switching our home and auto policies. The process was painless.”
Chris M.
Homeowner
“When a customer slipped in our store, David handled the entire claim. He was on the phone with the adjuster before I even finished explaining what happened.”
Karen T.
Small Business Owner
“As a first-time homebuyer, I had no idea what I needed. David walked me through every coverage option and found a policy that fit my budget perfectly.”
Sandra R.
New Homebuyer
Common Questions, Clear Answers
A captive agent works for one insurance company and can only sell that company's products. An independent agent like David works with multiple carriers, allowing us to compare rates and coverage across 30+ companies to find you the best deal.
Absolutely. Most carriers offer multi-policy discounts when you bundle home and auto, or combine multiple business policies. We'll show you exactly how much you can save during your free coverage review.
You call us first. David personally advocates on your behalf, communicating directly with the insurance company and claims adjusters. We make sure your claim is handled fairly and efficiently so you can focus on getting back to normal.
If you own a business, have employees, or interact with customers or clients, you likely need some form of commercial coverage. We offer a free business coverage review to identify your specific risks and recommend the right policies.
At least once a year, or whenever you experience a major life change like buying a home, getting married, starting a business, or adding a teen driver. We proactively schedule annual reviews with every client.
Not at all. We handle the entire transition for you. There is no gap in coverage and no paperwork headaches. Most clients are fully switched over within a few days.
Stop Overpaying for Insurance You Might Not Even Have Right
Let David review your current policies, find gaps in your coverage, and show you where you could be saving money. It takes 15 minutes and costs nothing.
No cost. No obligation.
Google Reviews
127 reviews