Home, auto, business and life, quoted from twelve carriers by two agents who answer the phone. You make one call. We do the comparing, and we tell you what we found.
Twelve carriers, one call. Most quotes come back the same afternoon.
Every policy has a paragraph nobody reads until the day it matters. We read it first. Here is what each line does, and the thing we check for that the last agent probably did not mention.
Your house, what is in it, and what happens if someone is hurt on the porch. Renters covers the same, minus the building, for about the price of one takeout order a month.
Usually missedReplacement cost versus actual cash value. The cheaper one pays what your ten-year-old roof was worth, not what a new roof costs.
The liability the state requires, plus the collision and comprehensive that actually fix your car. We check whether your limits would survive one bad afternoon on Route 9.
Usually missedUninsured motorist coverage. About one driver in eight around here carries nothing, and this is the part that pays when they hit you.
General liability, property, and the workers' comp you need the day you hire someone. Contractors, shops, and the eleven food trucks in the county: we have written all of them.
Usually missedBusiness interruption. It is not the fire that closes a shop for good. It is four months of rent with no register ringing.
Term life for the years the mortgage and the kids overlap. No medical exam for most healthy applicants under fifty, and we say so up front instead of after the paperwork.
Usually missedThe policy through work. It is usually one year of salary, and it ends the day you leave the job.
Twelve of them, side by side, on your actual house and your actual driving record. The lowest price is not always the best policy, and when it is not, we tell you which one to pick anyway.
Our commission does not change with the carrier we recommend. There is no reason for us to steer you, so we do not. If two quotes are close, we say which one we would buy for our own house.
You call us, not a 1-800 number. We know the adjusters by name, we know which ones need a second call on a Tuesday, and we make that call. The policy is the product; the claim is the proof.
Call or email, and one of us will ask you a dozen questions and come back with numbers from every carrier that wants your business. No obligation, no follow-up drip, and no one else gets your number.
Our promise: if we cannot beat what you have, we will say so and tell you why. Around one caller in five keeps their current policy, and we still walk them through it.
Three things make the call faster. None of them are required.
The one- or two-page summary your carrier mails at renewal. It tells us what you have, so we quote apples to apples.
Everyone in the house who drives. A photo of each registration is enough.
Roof, furnace, wiring, plumbing. Newer systems earn real discounts, and most people forget to mention them.
A claim is the only day your insurance actually matters, so it is the part we are most careful about. Here is exactly what happens, in order.
Before the carrier, before the body shop, before you sign anything. We will tell you whether filing makes sense, what to photograph, and what to leave alone.
We open the claim, explain your coverage back to you in plain words, and make sure the adjuster has everything on the first pass so there is no second one.
Weekly check-ins until the check clears. If the estimate comes in short, we say so and push back. That is what the commission is for.
After hours, (555) 555-0141 reaches whichever of us is on call. A tree through the roof does not wait for Monday morning, and neither do we.
No call center, no rotating account manager. The person who quotes you is the person who picks up when you call back in March.
Property & Casualty · Life & Health
Producer license 1174-092 · since 2009
Grew up over his father's hardware store on Merchant Street, and still notices the roof on every house he drives past.
marcus@bulwark.example
Property & Casualty · Commercial Lines
Producer license 0862-317 · since 2011
Spent eleven years as a claims adjuster before switching sides. She knows exactly what the other end of the phone is thinking.
ruth@bulwark.exampleOur old agent was a website. Ruth found the hail exclusion in our policy before the storm did, moved us to a carrier that covered it, and the claim paid in nine days.
Marcus quoted the bakery and our house on the same call and saved us about nine hundred dollars a year. When the walk-in cooler died, he answered on a Sunday.
240 Merchant Street, Suite 2
Alder Creek
Open in Maps
Street parking on Merchant, and the lot behind the bank is ours after 5.
Licensed and writing policies in:
Moving out of the area? Most of our carriers write statewide, and the policy usually comes with you.
Every number above can be checked against the state Department of Insurance producer lookup. We would rather you did.
Bring your declarations page and we will bring the numbers. If yours is already the best deal in the county, we will be the ones to tell you.