We don't have a minimum — we have a standard
Your daily driver, your family home, your peace of mind.
Fair rates, real advice, and an agent who actually picks up. No minimum assets required — just a client who deserves proper coverage.
Exotic vehicles, luxury estates, and complex asset profiles.
Agreed-value policies, specialty markets, and the expertise to protect what took years to build — handled with the discretion it deserves.
What we cover
Home Insurance
From a starter home to a $2M+ estate, your home policy should reflect what it would actually cost to rebuild — not a generic formula. We review dwelling coverage, replacement cost, and liability limits together so nothing gets underinsured by accident, and we place higher-value homes with carriers built to handle them.
Auto Insurance
Everyday commuters to six-figure exotics, all under one roof. We'll make sure your liability limits actually match your risk, and if you own something outside the ordinary, we'll get it on an agreed-value policy built for it rather than a standard policy that wasn't.
Marine & Recreational
Boats, motorcycles, ATVs, and RVs each carry their own coverage quirks that a standard auto or home policy won't address — seasonal storage, liability on the water, roadside assistance for a full-timer RV. We place all of it with carriers who actually specialize in it.
Umbrella & Excess Liability
Umbrella coverage sits above your home and auto liability limits and picks up where they leave off — closing the gap between what a serious judgment can cost and what your underlying policies actually pay. For anyone with meaningful assets, a teen driver, a pool, or simply a higher public profile, it's one of the most cost-effective pieces of a complete insurance program.
Jewelry & Valuable Articles
Fine jewelry, watches, art, and collectibles are usually covered only up to a modest sub-limit on a standard homeowners policy — nowhere near what a single piece can actually be worth. A scheduled valuable articles policy insures each item at its appraised value, without the deductibles and exclusions of your base homeowners coverage.
Builders Risk
Building a new home or taking on a major renovation creates a coverage gap most standard homeowners policies don't fill — a structure under construction isn't yet the finished home your policy was written for. Builders risk coverage protects the project itself, materials on site, and your investment through completion.
Travel Insurance
Trip cancellation, emergency medical, evacuation, baggage, and delay coverage — built around your actual itinerary, wherever you're headed. We travel the way our clients do, and we build every recommendation around what we've actually seen go right and wrong on our own trips.
Pet Insurance
Veterinary care for accidents and illness can get expensive fast. Pet insurance helps cover the unexpected — from an emergency vet visit to an ongoing condition — so a health scare doesn't have to become a financial one.
Life Insurance
Whether it's term coverage to protect your family through your highest-need years or a longer-term policy built into a broader financial and legacy plan, we help you think through how much coverage actually makes sense for your situation — not a one-size number.
Start a personal insurance quote
Tell us a bit about what you need covered and we'll follow up directly.