Homeowners insurance
HO-3 and HO-5 policies from Travelers, Auto-Owners, Safeco, Cincinnati, and 12 others. We quote replacement-cost dwelling, never ACV.
Services
Everything we do, in plain language.
Below is the full menu of what we do, what it typically costs, and how to schedule it. If something is not on this list, call us and ask, we probably do it too.
Auto insurance
Quoted across 14 personal auto carriers. We focus on liability limits before we focus on price.
Life insurance
Term, whole, and IUL across 11 highly rated life carriers. We will not sell you a product we would not buy.
Umbrella & personal liability
$1M to $10M umbrella for homeowners with assets to protect. Most professional clients should carry one.
Small business / BOP
Business Owner Policies for storefront retail, professional services, contractors, and restaurants under $5M revenue.
Commercial auto & inland marine
Single-vehicle to small-fleet commercial auto. Tools and equipment coverage for trades.
Medicare supplement
Med Supp and Medicare Advantage from highly rated regional carriers. We do annual reviews every fall.
Specialty (toys, collectibles, watercraft)
Antique auto, motorcycle, boat, RV, jewelry, and fine art scheduled coverage.
How we work
Four steps, every job.
01
Tell us what you have
Send your current policy declarations (or your latest renewal). We will tell you what you actually have and what you are missing.
02
We quote 28 carriers
We quote your policy across every carrier that fits your risk profile. Most quotes come back in 24 to 48 hours.
03
Apples-to-apples comparison
We write up a side-by-side comparison: coverage, limits, premiums. You decide. We are not pushy.
04
Same agent forever
If you choose us, your agent stays your agent. Same number, same person, after the sale.
Our promises
What you get with every job.
Independent means actual choice
We are not captive to one carrier. We quote 28 carriers and recommend what fits your home, your driving, and your budget.
A real agent reviews your policy
Every policy is reviewed by a licensed Nebraska agent. Not a chat bot, not an offshore call center, not a website.
We answer the phone after the sale
Claims, billing questions, policy changes. Same phone number, same agent. 96% client retention because of it.