Home & Auto, done right.
Personal home, auto, and umbrella coverage shopped across multiple carriers – bundled when it makes sense, priced as low as it should be, with a real person on the other end of the phone.
Personal lines are where most agents get lazy. The captive carrier sends you a renewal, the premium creeps up year over year, and nobody is actually re-shopping the market on your behalf.
We do the opposite. As an independent agency, we re-shop your home and auto across multiple carriers at renewal, layer in an umbrella where it makes sense, and make sure your specialty exposures (wildfire, earthquake, flood, water-backup) are actually addressed in the policy form – not just talked about.
Four pieces of a complete personal program.
Homeowners
Coverage for the dwelling itself, your personal property inside, liability if someone is hurt on your property, and additional living expenses if you can’t live there during a covered loss.
- Dwelling, other structures & contents
- Personal liability protection
- Additional living expenses
- Scheduled jewelry, art, collectibles
- Water-backup and service-line riders
Personal Auto
Liability, collision, comprehensive, uninsured-motorist, medical payments, and the optional coverage that lets a fender-bender stay a fender-bender.
- Liability & uninsured-motorist
- Collision & comprehensive
- Medical payments
- Roadside assistance & rental
- Multi-vehicle and teen driver pricing
Personal Umbrella
The extra layer that sits on top of home and auto liability. A single $1M umbrella often costs less than a streaming subscription and protects everything you own.
- $1M, $2M, $5M+ limits
- Extends home & auto liability
- Covers libel/slander defense costs
- Surprisingly affordable per million
- A standard for anyone with assets to protect
Bundle & Save
When home, auto, and umbrella sit with the same carrier, you typically save 10–25% on combined premium — and claims are easier when one carrier owns the file.
- Multi-policy discounts
- Single claims contact
- Aligned renewal dates
- Easier coverage coordination
- Loyalty pricing over time
The difference is the shopping.
We shop the market
Independent across 100+ carriers — we run your quote against multiple insurers, not just one.
State-specific guidance
Wildfire zones, earthquake riders, flood, and other state-specific endorsements handled where needed, not glossed over.
Real-person service
A claim or a policy question, you reach a person who knows your file — not a 1-800 queue.
Bundled with your business
Many of our clients carry their business policy with us — putting home and auto under the same roof simplifies life.
Let’s see what we can do on your home & auto.
Send us your current declarations page and we’ll re-shop the market. If there’s a better fit, you’ll see it side by side. If not, we’ll tell you to keep what you have.