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PErsonal Services

Your Life, Covered the Right Way

Our team brings over 100 years of combined experience insuring personal lines, and it shows. Our clients stick with us, with a retention rate above 96 percent. Whether it's your home, your car, or the things you do on the weekend, we take the time to get your coverage right the first time, so you're never blindsided by a rate that jumps once the real numbers come in.

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Personal insurance services

Our insurance expertise includes, but is not limited to:

Home Owners Policies

Standard coverage built around your home, your belongings, and the life you've built there.

Condo Co-Owner’s Insurance

Coverage for what your association's master policy doesn't, including your unit's interior and personal belongings.

Renter’s Insurance

Affordable protection for your belongings and liability, even if you don't own the walls around you.

Rental Dwellings

Coverage built for landlords, protecting a property you own but don't live in.

Personal Umbrellas

Extra liability coverage above your home and auto limits, protecting what you've worked hard to build.

Vacant or Unoccupied Homes

Specialized coverage for a property between tenants, renovations, or owners.

High-End Luxury Homes & Exotic Autos

Coverage built for high-value homes and vehicles that a standard policy wasn't designed to protect.

Secondary or Seasonal Homes

Protection for the cottage, cabin, or seasonal property you don't live in year round.

Antique Vehicles & Classic Vehicles

Agreed-value coverage built for vehicles that are worth more than a standard policy assumes.

Mopeds

Coverage for the smaller ride that still needs real protection on the road.

Motorcycles

Liability and physical damage coverage built around how and where you actually ride.

Recreational Vehicles

Coverage for RVs used for weekend trips or full-time living on the road.

Utility Trailers

Protection for the trailer that hauls everything else you own.

Vacation Trailers & Campers

Coverage built for campers and vacation trailers, whether they're parked at a campsite or in your driveway.

All-Terrain Vehicles

Coverage for ATVs and off-road vehicles, wherever you ride them.

Sewer and Drain Backup

Coverage for a common and costly gap most standard homeowners policies leave out.

Sump Pump Back-up

Protection against water damage caused by sump pump failure, before it turns into a bigger repair.

Flood Insurance

Coverage for flood damage, which a standard homeowners policy typically doesn't include at all.

Firearms, Furs, and Fine Arts

Scheduled coverage for valuables that often exceed the limits of a standard policy.

Jewelry

Dedicated coverage so your jewelry is protected at its actual value, not an afterthought line item.

Personal Umbrella Liability

An extra layer of liability protection above your home and auto policies, for the coverage gap most people don't think about until they need it.

One Team. Every Policy Covered.

A standard homeowners policy leaves more gaps than most people realize. Sewer and drain backup, sump pump failure, and flood damage often aren't included unless you ask for them specifically, and by the time you need them, it's too late to add them.

We also help protect the things a standard policy tends to undervalue, like firearms, furs, fine art, and jewelry, along with personal umbrella liability for the coverage that sits above everything else. If it needs insurance, we can insure it.

The Team

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Frequently Asked Questions

Do you insure antique or classic vehicles?

Yes. We offer agreed-value coverage built specifically for antique and classic vehicles, so you're not stuck with a payout based on standard depreciation.

What if I own a seasonal or vacation home?

We insure secondary and seasonal homes, including coverage considerations for a property that sits vacant for part of the year.

Can I add flood insurance to my homeowners policy?

Flood insurance typically isn't included in a standard homeowners policy and needs to be added separately. We can walk you through your options based on where your property sits.

Do you cover jewelry, firearms, or fine art separately?

Yes. Items like firearms, furs, fine art, and jewelry often exceed the limits of a standard policy, so we can schedule them separately for full protection.

What is a personal umbrella policy, and do I need one?

A personal umbrella policy adds an extra layer of liability coverage above your home and auto policies. It's worth a conversation if you want more protection than your standard limits provide.

Protect What Matters Most

Insurance is a relationship, not a transaction. Reach out and talk to someone who'll actually remember your name at renewal time.

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