Your insurance should work
for you. Not against you.

It means a team of experts actively participating in your insurance planning with you — guiding you on coverage and cost decisions. You should pay less and have better coverage than doing it yourself. A captive agent can only offer one company’s products. We work with 11 core carrier partners and access specialty markets when needed to find the right fit for your specific situation.

Annually. We reach out every 12 months to review your policies, update coverage for any life changes, and make sure your discounts are current. Life changes — new home, new vehicle, new family member, new business — and your coverage should change with it. You shouldn’t have to remember to call us.

Replacement cost is what it costs to demolish and completely rebuild your home from scratch at today’s labor and material costs. Market value is what you would sell your existing property for on the resale market. These numbers are often very different — and your dwelling coverage limit should be based on replacement cost, not market value. Most people are underinsured because no one explained this distinction when they bought their policy.

Most likely yes — but it’s worth double-checking the coverage limits and exclusions in your actual policy. Standard homeowners policies cover other structures at 10% of your dwelling limit, which may not be enough depending on what you have. Docks and lifts in particular can have sublimits or exclusions that vary by carrier. We review these specifically for every client with lake or rural property.

Call us. We’ll guide you on next steps — that’s what we’re here for. We help you understand the process, make sure the claim is filed correctly, and advocate for you if anything gets complicated. You can always call the carrier directly, but calling us first means you have an expert in your corner from the start.