Home & Auto Insurance

Your homeowners policy has exclusions buried in it — water damage, jewelry, home offices, trampolines, pools, short-term rentals, business equipment. Most people find out what's not covered when they file a claim and get denied. We read your actual policy, explain what it covers and what it doesn't, and show you where the gaps are before something goes wrong.

Auto coverage is more complicated than most people realize. Liability limits, uninsured motorist coverage, gap insurance if you're financing, rental reimbursement, roadside — and if you have teenage drivers or let friends borrow your vehicles, your exposure changes significantly. We review your full auto picture the same way we review everything else: together, clearly, no jargon.

Umbrella coverage is the one most people skip and the one that matters most when something serious happens. If you have a pool, a trampoline, a dog, teenage drivers, or rental property — you need to understand what your liability exposure actually looks like. We'll tell you honestly whether umbrella makes sense for your situation and what it would cost.