Homeowners, renters, condo, and landlord policies written to rebuild cost, not market value.
- Dwelling limit set to replacement cost
- Sewer, drain, and sump pump backup
- Special Form rather than Basic or Broad
- Roof settlement basis
Coverage
What we write, and what we check before you sign
Six lines of business, quoted across 40+ carriers. Each one has a working checklist behind it — the items that decide whether a claim gets paid the way you expected.
Personal auto for families, commuters, teen drivers, and multi-vehicle households.
- Liability limits above the state minimum
- Uninsured and underinsured motorist
- Telematics enrollment
- Good student and driver training discounts
Acreages, hobby farms, horse operations, outbuildings, equipment, and livestock.
- Head count, and who owns them
- Boarding, training, lessons, or breeding
- Farm liability limits
- Outbuildings scheduled at current rebuild cost
General liability, property, workers' compensation, commercial auto, and certificates.
- Correct class code
- General liability limits and aggregate
- Workers' compensation and experience mod
- Business property and equipment
Term, whole life, and coverage tied to a mortgage or a business.
- Term length matched to the obligation
- Face amount against income replacement
- Beneficiaries reviewed
- Key person and buy-sell coverage
Boats, campers and RVs, side-by-sides, snowmobiles, motorcycles, and collector cars.
- Agreed value on collector vehicles
- Liability that follows the machine
- Trailer coverage
- Seasonal storage and layup