Your home, your car, your boat, the things you cherish and enjoy – each one carries its own kind of risk, and the right coverage looks a little different for every household. As an independent brokerage, we aren’t tied to a single carrier, we are positioned to shop your home, auto, umbrella, watercraft, and valuables across the markets that actually fit your life. The goal isn’t just handing you a “one-size-fits-all” policy – it’s the confidence of knowing you’re truly covered when it matters. We are happy to offer our complementary coverage analysis and pinpoint where you stand and perform a comprehensive search for a better fitting solution.
Property insurance protects your home and personal belongings from risks like fire, theft, and certain natural disasters. It also typically includes liability coverage for accidents on your property. This coverage is foundational for protecting personal assets. It helps ensure you can repair or rebuild after a loss.
Auto insurance covers liability, damage to your vehicle, and injuries resulting from an accident. It is required by law in most states and protects both you and others on the road. Coverage can be tailored with options like comprehensive and collision. It helps prevent a single accident from becoming a major financial setback.
This coverage protects motorcycles, boats, RVs, ATVs, and other recreational vehicles. These items often require specialized insurance beyond standard auto or home policies. Coverage can include liability, physical damage, and theft. It ensures your leisure investments are properly protected.
Umbrella insurance provides additional liability coverage above your home and auto limits. It helps protect assets if you face a large lawsuit or claim. This coverage is relatively inexpensive for the amount of protection it provides. It is especially important for individuals with higher net worth or public exposure.
The pieces that mean the most — an engagement ring, an inherited watch, a painting you searched years to find — often carry value your standard home policy was never built to cover. Specialized jewelry and fine arts coverage protects these items at their true worth, typically with broader protection and little to no deductible. We’ll help you make sure what’s irreplaceable is actually insured that way.
A collection is more than the sum of its parts — whether it’s wine, classic cars, coins, or memorabilia, it represents a passion you’ve invested real time and money into. Collector coverage is designed around how these items appreciate, travel, and get displayed, going well beyond the limits of a typical homeowners policy. Let’s make sure your collection is protected as carefully as you’ve built it.
Here in the Pacific Northwest, earthquake risk is a real part of owning property — and it’s almost always excluded from standard home policies. A dedicated earthquake policy helps cover the cost of repairing or rebuilding your home and replacing your belongings after a quake, so a single event doesn’t undo years of equity. We’ll walk you through your options and what level of coverage makes sense for your home.
Flooding is among the most common and costly natural disasters — and like earthquake, it falls outside what a typical homeowners policy covers. A flood policy protects your home’s structure and contents from rising water, whether you’re in a high-risk zone or simply want the peace of mind that comes with being prepared. We’re glad to help you understand your flood risk and find coverage that fits.
Renting out a property comes with risks a standard homeowners policy wasn’t built to handle — including the income that property generates. Landlord coverage protects the building and your liability as an owner, while loss of rents coverage replaces the rental income you’d lose if a covered event left the property uninhabitable, so your mortgage and expenses don’t fall on you alone during repairs. Whether you own a single rental or a growing portfolio, we’ll help you protect both the asset and the income behind it.