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24/7 Claims · (000) 000-0001 · Family-owned since 1985

Independent · Multi-carrier

Insurance that actually
answers the phone.

Independent insurance agency — we shop 30+ carriers so you don't have to. Auto, home, life, business — one agent, every line.

A.M. Best A+ rated
30+ carriers
4.9 / 500+ reviews

Trusted memberships

A.M. Best A+BBB A+Trusted ChoiceIIABA Member

Every line you need

All your coverage,
in one place.

Personal, business, life — bundle for bigger discounts. One agent, one renewal cycle, one claims line.

Most popular

Auto Insurance

Liability, collision, comprehensive — built for your driving life.

  • Liability + property damage
  • Collision + comprehensive
  • Uninsured motorist
  • Roadside assistance

from $89/mo

Get quote

Home Insurance

Protect the biggest investment of your life — and everything in it.

  • Dwelling + structures
  • Personal property
  • Liability + medical
  • Loss of use

from $115/mo

Get quote

Life Insurance

Term, whole, or universal — for the people who depend on you.

  • Term life (10/20/30 yr)
  • Whole + universal life
  • Final expense
  • Riders + conversions

from $32/mo

Get quote

Health Insurance

Individual, family, Medicare supplements — we navigate the maze.

  • Individual + family ACA
  • Medicare Advantage + Supplements
  • Short-term + gap
  • Dental + vision

Quote-based

Get quote
For owners

Business Insurance

General liability, workers comp, BOPs — tailored to your industry.

  • General liability + property
  • Workers compensation
  • Professional liability (E&O)
  • Cyber + data breach

from $59/mo

Get quote

Renters Insurance

Cheap, fast, required by most landlords — and worth every penny.

  • Personal property
  • Liability
  • Loss of use
  • Pet liability options

from $14/mo

Get quote

Umbrella Insurance

Extra liability above auto + home — for when one accident could cost everything.

  • $1M – $5M liability
  • Worldwide coverage
  • Defense costs included
  • Stacks above other policies

from $24/mo

Get quote

Disability Insurance

Income protection — because your paycheck is your biggest asset.

  • Short-term + long-term
  • Own-occupation definitions
  • Cost-of-living riders
  • Business overhead

Quote-based

Get quote

We shop your coverage across

30+ insurance carriers

ProgressiveAllstateTravelersLiberty MutualNationwideThe HartfordSafecoErieChubbMetLifeMercuryAIG

Captive agents only show you one carrier. We show you all of them — and recommend the right one.

Why families stay

The difference
shows up at renewal.

30+ carriers, one agent

We are independent — we work for you, not a single carrier. We shop. They compete.

24/7 claims line

Accident at 2am? Tree on the roof Sunday morning? Real people answer the phone.

Same agent every year

No call-center carousel. You know our names. We know your kids' names.

We re-shop annually

Loyalty discounts disappear. We re-quote your policies every year — and switch carriers when it saves you money.

How a quote works

Four steps. Forty-eight hours.

No call-center scripts. No bait-and-switch. Just a real comparison and a real recommendation.

01

10 min

Tell us about you

A few questions about your situation. Drivers, property, family, business — whatever applies.

02

24 hrs

We shop 30+ carriers

We do the legwork — pulling quotes from every carrier we work with so you don't have to call twelve agents.

03

30 min

Compare side-by-side

We sit down (in office or video) and walk through your options. Plain English, no insurance speak.

04

< 48 hrs

You pick. We bind.

You choose the policy, we handle paperwork + the carrier handoff. Coverage active in 24-48 hrs.

24/7 Claims

Real people answer
at 2am.

You will never get a phone tree at the worst moment of your week. Our 24/7 claims line dispatches tow + rental, files with your carrier, and books your follow-up — before you finish your coffee the next morning.

Meet your agents

Same agent. Every year.

JF

James Foster

CIC · CPCU

Senior Agent · Founder

Auto · Home · Umbrella

32 years writing personal lines. The guy you call when the deer hits your bumper.

PS

Priya Shah

CLU · ChFC

Life & Health Specialist

Life · Disability · Medicare

Plain-English explainer. Will sketch term-vs-whole on a napkin — no pressure, no upsell.

MD

Marcus Doyle

CIC · AAI

Commercial Lines Lead

Business · Cyber · Workers Comp

18 years protecting small businesses. Knows your industry before you walk in.

SP

Sandra Perez

AIC

Claims Concierge

Claims · Renewals · Service

Your day-to-day. Files claims, fixes billing, answers your texts. The reason people stay.

500+ verified reviews

People who've been there.

Auto

I called at 11pm Sunday after my kid wrecked the car. Sandra answered. Had a tow + rental sorted before midnight. Eight years here and they still surprise me.

DM

David & Karen Mathis

Auto + Home · 8 years

Auto

Switched from a national carrier and saved $640/year on the same coverage. The whole quote took twenty minutes.

JW

Jasmine Wu

Auto + Home

Business + Workers Comp

Marcus reviewed our business policy and found two gaps the previous broker missed. We never had to use it — but knowing it's right matters.

TH

Tom Henley

Construction biz · 12 employees

Common questions

The questions everyone asks.

Will my premium go up if I file a claim?

It depends. Comprehensive claims (theft, glass, animal hits) usually do not raise rates with most carriers. At-fault collision claims can. We will tell you upfront — and if filing the claim is going to cost more than paying out of pocket, we will say so.

How are you different from Geico, Progressive direct, or any 1-800 carrier?

Those are captive — they only sell their own policies. We are independent. We work with 30+ carriers, including Progressive, and we recommend whichever fits your situation best. Same product, often cheaper, with a real human in your zip code.

What if my current insurance is cheaper?

Then stay where you are — and we will tell you that. We do not earn commission off you switching for the sake of switching. We earn it off you staying with us for years because we got it right the first time.

Can I bundle home and auto?

Yes — and you should. Most carriers offer 15–25% multi-policy discounts. We auto-stack every discount you qualify for: bundle, paperless, autopay, prior carrier, military, claim-free, etc.

How fast can I get a Certificate of Insurance for a job?

Same business day. Email us your project details (or have your client email us directly with our authorization) and we issue the COI usually within 2–4 hours.

What happens if I'm in an accident at 2am?

Our 24/7 claims line. Real person, every hour. They can dispatch a tow, set up a rental, file the claim with your carrier, and have a follow-up call scheduled before noon. You will never get a phone tree at the worst moment of your week.

Get a quote

Tell us what you drive.
What you own.
We'll do the rest.

10 minutes from you. 24 hours of carrier shopping from us. Free, no commitment, no spam.

Multi-carrier quote in 24 hrs
Same-day Certificate of Insurance
No call-center handoff — ever

Step 1 of 1 · Free quote

Start your quote.

We'll text within 1 business day. Never share your info.

Visit us

500 Main Street, Suite 200 · Your City, ST 00000

Walk-ins welcome

Office hours

Mon – Fri · 8:30 AM – 6:00 PM

Saturday · 9:00 AM – 1:00 PM

24/7 claims line · 365 days

Reach us

Office: (000) 000-0000

Claims (24/7): (000) 000-0001

quotes@youragency.com

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