Coverage for your home, your vehicles, and your life.

If you own a home and a car, yes — both are typically required (homeowners by your mortgage lender, auto by state law). But beyond compliance, both protect your largest assets. We'll make sure both are structured to work together, especially your liability limits.

Actual cash value pays what your property is worth at the time of the loss — accounting for depreciation. Replacement cost pays what it costs to replace the item new. For most homeowners, replacement cost coverage is worth the additional premium. We'll walk you through the difference at your specific property value.

No — flood damage is specifically excluded from standard homeowners policies. If you're in a flood zone, your mortgage lender likely requires a separate flood policy. Even outside a designated flood zone, private flood insurance is worth considering — about 23% of flood claims come from low-to-moderate risk areas.

A common starting point is $1M — but the right amount depends on your assets, income, and lifestyle risk factors. If you have teenage drivers, a pool, a trampoline, or significant investment assets, you should probably carry more. Personal umbrella is one of the most cost-effective coverages we write.

Yes, and we recommend it — most carriers offer multi-policy discounts that reduce the combined premium meaningfully. Bundling also simplifies your coverage review at renewal. We'll quote both together and separately to make sure the bundle actually saves you money.

Renters insurance covers your personal belongings (theft, fire, certain water damage), personal liability (if someone is injured in your apartment), and additional living expenses if your unit becomes uninhabitable. It does not cover the building — that's your landlord's responsibility. It's one of the most underused and underpriced coverages available.