An independent insurance agency is an agency that can write multiple carriers. Instead of just being able to offer one company's rates and coverages, we can shop your policies around to many different insurance companies (such as Nationwide, Progressive and American Modern) to ensure that you get the best coverage and the best rates.

Your rates may have gone up for a number of reasons. If you've recently been in an accident, added new drivers, or gotten a new car, your rates may change. If none of these happened, it's possible that something in your area has caused the insurance company to adjust rates. Luckily, as an independent agency, we can help you assess and re-market your policies when needed. You're not tied into one carrier — we can help you get an insurance policy with many different carriers!

If your home is worth say $300,000, it will take more than $300,000 to replace in the case of a fire, flood, or other disaster. If you were to lose your house in a fire, the cost to rebuild the house, replace all the furniture or anything else lost within the house would cost more than just the value of the home. The additional coverage is to pay a contracting crew, waste removal crew, adjusters, etc. so that when disaster strikes, it doesn't also strike your budget. 

No, it's not just insurance for Umbrellas. Umbrella insurance is a "catch-all" additional policy that you can add onto an existing personal or commercial policy to increase your liability limits. Sometimes, the maximum liability limits you can take out on a policy will not cover your risks. For example, if you have a pool on your property, it is likely worthwhile to purchase umbrella insurance for your homeowner's policy. Injuries that can happen in a pool could cost thousands of dollars in medical costs, so make sure your insurance limits can cover all that you need.