Insurance Resources & Guides

A standard homeowners policy covers your dwelling, other structures, personal property, liability, and additional living expenses. However, it typically excludes floods, earthquakes, and certain high-value items. We can add endorsements to fill those gaps.

At minimum, you need your state's required liability limits. However, we recommend higher limits plus comprehensive, collision, and uninsured motorist coverage. The cost difference between minimum and adequate coverage is often surprisingly small.

A Business Owners Policy bundles general liability and commercial property into one package, usually at a discount compared to buying them separately. It also includes business income coverage. It is ideal for small to mid-size businesses.

Bundle policies, raise deductibles, improve your credit score, install safety features, ask about all available discounts, and most importantly, let an independent agent compare rates across multiple carriers.

Ensure everyone is safe, document everything with photos and notes, file a police report if applicable, and call us before calling the insurance company. We will guide you through the entire claims process.

No. Each person needs their own renters policy. Your policy covers your personal belongings and your liability. Your roommate would need a separate policy for their possessions.

At least annually, or whenever you add employees, purchase new equipment, expand to a new location, offer new services, or experience a significant revenue change. We schedule proactive reviews with every business client.

Yes. You can switch at any time. Most carriers will refund the unused portion of your premium. We handle the entire transition to ensure there is no gap in coverage.