Your home is more than square footage. I make sure the policy reflects what it would actually cost to restore it - not just rebuild it - and that the things inside it are properly covered.

Clear coverage, competitive rates, no surprises. I shop multiple carriers to find the right policy for how you actually drive.

Your homeowner’s policy doesn’t cover flood damage. Not a drop. Flood insurance is separate, it has a waiting period, and most people don’t have it until they need it. Let’s fix that.

An extra layer of liability protection above your home and auto coverage. For the things that matter most, it’s worth knowing you’re fully covered.

Standard policies have sub-limits on jewelry - often $1,000 to $2,500 regardless of actual value. A scheduled personal articles policy covers what your pieces are actually worth. Lost, stolen, accidentally damaged.

Standard home policies don’t adequately cover boats or personal watercraft. A dedicated watercraft policy protects the vessel, your liability on the water, and the equipment on board.

Investment properties carry different risks than a primary residence. I help landlords and investors find coverage that reflects how the property is actually used - not a standard homeowner’s policy written for someone who lives there.

When did you last have someone actually look at what you have? I’ll review your current coverage - free - and tell you honestly what’s working and what isn’t.