Home Insurance
Your home is almost certainly your largest asset, and a standard policy rarely covers everything inside it. We rebuild your protection from the ground up — valuing the structure at today's replacement cost, adding scheduled cover for jewellery, electronics and collectibles, and picking a deductible you can genuinely afford on a bad day.
- Dwelling, other structures and personal property cover
- Personal liability plus medical payments to guests
- Loss of use and additional living expenses while repairs happen
- Optional flood, earthquake, sewer backup and hurricane endorsements
- Bundle discounts of up to 25% when combined with auto
Health Insurance
Medical costs are the single fastest way an ordinary family budget falls apart. Our licensed health advisers compare ACA marketplace plans, private options and Medicare Advantage or Supplement plans side by side, then check whether you qualify for a premium tax credit that could cut your monthly cost dramatically.
- ACA marketplace, off-exchange and short-term plans
- Medicare Advantage, Supplement and Part D drug plans
- Dental, vision, hearing and critical-illness riders
- HSA-qualified high-deductible plans for the self-employed
- Free annual renewal review and provider-network checks
Auto Insurance
Two drivers with identical records can pay wildly different premiums for the same car, because every carrier weighs age, zip code, mileage and credit differently. We quote your exact profile across dozens of carriers at once and rebuild your deductibles, limits and discounts so you are covered properly without overpaying.
- Full coverage, liability-only and non-owner policies
- SR-22 and FR-44 filings for high-risk drivers
- Motorcycles, RVs, boats and commercial vehicles
- Roadside assistance, rental reimbursement and glass cover
- Telematics and safe-driver programmes with real discounts
Life Insurance
Life insurance is the cheapest financial product most people ever ignore. A 20-year term policy that replaces your income, clears the mortgage and funds your children's education often costs less than a streaming subscription — and it means your family never has to crowdfund a funeral or sell the house.
- Term life from 10 to 40 years, convertible to permanent
- Whole life, universal and indexed universal policies
- Final-expense and burial cover for ages 50 to 85
- No-medical-exam options with same-day decisions
- Living benefits and riders for critical illness
Pet Insurance
Emergency veterinary care for a swallowed toy or a torn ligament routinely runs into four figures, and no loving owner wants to choose between their budget and their pet. A pet policy turns that impossible decision into a claim form, with direct reimbursement to you rather than the clinic.
- Accident and illness plans with flexible annual limits
- Optional wellness cover for vaccines, dental and check-ups
- Hereditary and congenital condition cover
- No breed restrictions and no upper age limit
- Multi-pet discount for households with two or more animals
Business Insurance
One lawsuit, fire or cyber incident can undo a decade of hard work, and general liability alone rarely covers the whole exposure. We map your actual operations — premises, vehicles, employees, contracts and online systems — then build a programme that satisfies your clients' insurance requirements without paying for cover you will never use.
- General liability, commercial property and BOP packages
- Workers' compensation and employer's liability
- Commercial auto, cargo and inland marine
- Cyber liability, EPLI and professional indemnity
- Same-day certificates of insurance and additional-insured wording
Travel Insurance
A sprained ankle in a foreign city, a cancelled cruise or a suitcase that never lands can cost thousands in a single afternoon — and domestic health plans usually stop at the border. Travel cover follows you instead, reimbursing medical care, evacuations, delays and lost luggage wherever your itinerary takes you.
- Emergency medical and dental expenses abroad
- Medical evacuation and repatriation up to $1,000,000
- Trip cancellation, interruption and delay benefits
- Baggage loss, theft and travel-document replacement
- Adventure-sports, cruise and student-abroad add-ons