Coverage Options
From personal policies that protect your family to commercial coverage that keeps your business running, we have you covered.
Protect Your Family & Assets
Home Insurance
Your home is likely your biggest investment. Our homeowners policies cover your dwelling, personal property, liability, and additional living expenses. We compare rates across 30+ carriers to find the right balance of coverage and cost, including options for flood, earthquake, and high-value items that standard policies often exclude.
- Dwelling & structure coverage
- Personal property protection
- Liability & medical payments
- Additional living expenses
Auto Insurance
From liability and collision to comprehensive and uninsured motorist coverage, we build auto policies that truly protect you on the road. We also look for every available discount including multi-policy bundles, safe driver credits, and low-mileage rates.
- Liability & collision
- Comprehensive coverage
- Uninsured/underinsured motorist
- Rental car & roadside assistance
Umbrella Policy
When a major lawsuit or accident exceeds your home or auto policy limits, an umbrella policy provides an extra layer of liability protection. This is essential coverage for families with assets, rental properties, teen drivers, or anyone who wants an extra safety net.
- $1M+ additional liability
- Covers home & auto gaps
- Lawsuit defense costs
- Affordable peace of mind
Renters Insurance
Your landlord's insurance does not cover your personal belongings. Renters insurance protects your possessions, provides liability coverage if someone is injured in your unit, and covers temporary living expenses if your rental becomes uninhabitable.
- Personal property coverage
- Liability protection
- Temporary living expenses
- Typically under $20/month
Protect Your Business
General Liability
The foundation of any business insurance program. General liability protects your business against third-party claims for bodily injury, property damage, and advertising injury. If a customer slips in your store or you accidentally damage a client's property, this policy responds.
- Bodily injury claims
- Property damage liability
- Advertising & personal injury
- Legal defense costs
Commercial Property
Protects your business property including your building, equipment, inventory, furniture, and signage against covered perils like fire, theft, and weather damage. We can also add business income coverage to replace lost revenue if a covered event forces you to temporarily close.
- Building & contents
- Equipment & inventory
- Business income loss
- Sign & outdoor property
Business Owners Policy (BOP)
A BOP bundles general liability and commercial property into one convenient package, often at a lower cost than purchasing each policy separately. Ideal for small to mid-size businesses looking for comprehensive, cost-effective coverage.
- GL + property combined
- Cost-effective bundle
- Business income included
- Customizable endorsements
Workers Compensation
Required in most states for businesses with employees. Workers comp covers medical expenses, lost wages, and rehabilitation costs for employees who are injured or become ill due to their job. It also protects your business from employee lawsuits related to workplace injuries.
- Medical expense coverage
- Lost wage replacement
- Rehabilitation costs
- Employer liability protection
Independent Agent vs. Captive Agent
A captive agent works for a single insurance company. They can only sell you that one company's products, regardless of whether it is the best fit for your situation.
As an independent agent, David represents you. He has access to 30+ top-rated carriers and can compare rates, coverage options, and endorsements across the entire market. This means you get the best combination of price and protection, not just whatever one company happens to offer.
The result? Better coverage, lower premiums, and an agent who truly works for you.
Stop Overpaying for Insurance You Might Not Even Have Right
Let David review your current policies, find gaps in your coverage, and show you where you could be saving money. It takes 15 minutes and costs nothing.
No cost. No obligation.