You spent decades building this. Your insurance should be built for it.

If you own a home, drive a car, have teenage drivers, host guests, or have any meaningful net worth, yes, probably. Umbrella coverage is among the most under-purchased policies relative to its actual value. For a few hundred dollars a year, it adds millions in liability coverage that protects everything you've built from a single bad day.

We typically recommend umbrella limits at three to five times what new clients arrive with. The math almost always works in your favor.

It usually comes down to choice. A captive agent like State Farm can usually place you with only one company, so if that carrier's appetite doesn't fit the home you're insuring or the drivers in your household, you get priced out, lose coverage you should have, or end up in a policy that doesn't fit. As an independent agency we shop your home and auto across Erie, Chubb, Cincinnati, Travelers, and others, recommend what actually fits, and keep re-shopping as your life changes, a new home, a new driver, a renovation.

You call us first, not the 1-800 number on your policy, if it's not an emergency. We start the claim, coordinate with the carrier's adjuster, and stay involved throughout. For significant claims like water damage, fire, theft, tree damage, we frequently meet the adjuster at your home in person to advocate for your interpretation of the policy.

This is the part of the relationship that's hardest to demonstrate in advance and easiest to feel when it matters. It's also why some of our personal lines clients have been with the same advisor for twenty years.

Secondary residences need their own underwriting conversation. A house used three weeks a year, a property rented out on Airbnb, and a vacation home where family stays freely all carry different risk profiles, and standard homeowners policies handle them differently or sometimes not at all.

If you have a property anywhere beyond your primary residence, mention it on the risk review. We'll review whether it's properly classified, properly covered, and properly priced.

Usually yes. Bundling home and auto with one carrier typically lowers total premiums significantly and simplifies claims. More importantly, it lets one advisor see your full picture, so coverage gaps between policies don't slip through.