Personal Insurance

We’re independent, local, and focused on you—not the big insurance companies. We get to know you and build coverage that actually fits.

Working with an independent agent means you’re not just a number on a policy, you’re a neighbor with unique needs, goals, and concerns. Unlike captive agents who can only offer products from one company, we shop multiple carriers on your behalf to find the right coverage at the right price. But what truly sets us apart is the relationship. We get to know you, not just your insurance. When life changes, a new home, a new driver, a new business, we’re your long-term advisor, making sure everything still fits. We advocate for you during claims, explain coverage in plain language, and stand by your side through every season. With an independent agent, you’re gaining a partner who works for you, not the insurance company.

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In most cases, yes. Your auto insurance follows the vehicle, not just the driver. That means if you give someone permission to use your car, your coverage typically goes with it. Keep in mind that how a claim is handled can vary depending on your policy and the driver’s situation, so it’s always good to check with us if you have questions about a specific scenario. As for rental cars, most personal auto policies do extend coverage, but the details depend on your policy limits and optional coverages like comprehensive and collision. Some rental companies also charge administrative fees that may not be covered. Before you’re standing at the rental counter deciding what to decline or accept, reach out. We’ll help you know exactly what’s protected so you can travel with confidence.