We’ve built a strong network of insurance partners to help find you the insurance products you need. Some of the companies with shop with include BlueCross BlueShield, First Chicago Insurance Company, Progressive, and Humana. To see a complete list of our insurance partners, click here.

We specialize in helping people find insurance products that meet their needs, regardless of their circumstances or history. We specialize in finding policies for different drivers including those without a license, an international license, or non-owners. Drivers who need SR-22 can rely on us to find auto insurance coverage to meet their state’s minimum requirements.

Give us a call today at (844) 358-5605 to discuss your insurance needs. Regardless of your life circumstances or how “risky” an insurance company may view you, we’re happy to help get you insured!

We’ve been protecting customers since 1980. With over 40 years of insurance experience, we have helped hundreds of people find insurance coverage that satisfies their needs and budget.

We are strongly committed to protecting your privacy. To serve your insurance needs, we will ask you for some personal information. We only use your personal information to help you find and, if you choose to do so, apply for various types of insurance products that may be of interest to you, your employees, and/or your family. We do not sell, trade, or give away your personal information to anyone. For more details, read our Privacy Policy.

Auto insurance policies often offer certain types of coverages. What you elect will depend on what’s legally required in your state and any additional coverage you’d like. Generally, auto insurance policies may include liability coverage (pays for damage you cause), collision coverage (pays for damage to your car in an accident), comprehensive coverage (covers non-accident damage like theft or weather events), and uninsured/underinsured motorist coverage (protects if the other driver doesn’t have any insurance or doesn’t have enough insurance). Learn more about auto insurance here.

A deductible is the amount of money you pay out of pocket before your insurance covers the rest for a covered claim. For example, if you have a $500 deductible and repairs cost $2,000, you pay $500, and insurance covers the remaining $1,500.

After an accident, make sure everyone is safe and call the police or medical personnel. Take pictures of the scene and exchange information with the other driver, if there is one. Contact your insurance company to report the accident and provide any details they need to start your claim. Many companies provide a phone number to call on your insurance ID card or you may be able to start a claim via your insurer’s website or app.

Yes, we can help with an SR-22. An SR-22 is a form that proves you have insurance coverage that meet’s your state’s minimum requirements. Learn more about SR-22 and how we can help you obtain auto insurance.

Boat insurance usually covers damage to your boat, theft, accidents, and injuries to others. It may also include coverage for damage from storms or vandalism. Learn more about boat insurance here.

Boat insurance requirements vary by state and marina. Even if it’s not required, having insurance is a good idea for protection, even if you only use your boat occasionally.

Insurance can differ based on the type of boat. A larger, faster motorboat may cost more to insure than a small sailboat. It’s best to talk to a licensed agent to see what type of boat insurance would be most beneficial for you. Give us a call today at (844) 358-5605 to get the conversation started.

It depends on your policy. Some boat insurance policies cover your boat while it’s in storage or being transported, but you should check your policy details or contact your insurance agent to be sure.

Businesses that use vehicles for work, like delivery services, contractors, or companies with employee drivers, need commercial auto insurance. It protects vehicles used for business purposes. Some gig drivers may need commercial auto insurance to protect themselves while they have a rider or are on a delivery. It’s best to check with your insurance agent to understand the details of your current policy.

Generally, commercial auto insurance policies may include liability coverage (pays for damage caused by a business vehicle), collision coverage (pays for damage to the business vehicle in an accident), comprehensive coverage (covers non-accident damage like theft or vandalism), and uninsured/underinsured motorist coverage (protects if the other driver doesn’t have any insurance or doesn’t have enough insurance). You may also be able to add rental reimbursement and roadside assistance, depending on the insurance company. Learn more about commercial auto insurance here.

Independent contractors may need commercial auto insurance if they use their vehicle for work, like making deliveries or transporting clients. It ensures they’re covered for accidents related to their business.

Consider the value of your vehicles, how often they’re used, and the type of driving involved. Your vehicle(s) are business assets. It might be helpful to talk through it with a licensed insurance agent. Give us a call today at (844) 358-5605 to discuss your insurance needs.

No, standard home insurance policies don’t cover flood damage. You will most likely need a separate flood insurance policy to protect your home from flood-related damages.

Check if your home is in a flood-prone area by searching the FEMA website or asking your insurance agent. Even low-risk areas can flood, so consider coverage if you want peace of mind.

Flood insurance covers damage to your home’s structure and some belongings caused by flooding. It doesn’t cover items like outdoor furniture, vehicles, or cash impacted by the flood. Learn more about flood insurance here.

You can buy flood insurance through the National Flood Insurance Program (NFIP) or private insurance companies. If you live in a high-risk area and have a mortgage, it might be required by your lender. We’d be happy to help you find flood insurance. Give us a call today at (844) 358-5605 to get started.

General liability insurance covers claims like bodily injury or property damage caused by your business. For example, if a person trips and falls while on your property, general liability insurance will cover associated medical bills, per the terms of the policy. General liability may also help with legal fees if someone sues your business for accidents or injuries. Learn more about general liability insurance here.

No, general liability insurance does not cover employee injuries. For that, you need workers’ compensation insurance, which helps with medical bills and lost wages for employees who are hurt due to their job.

General liability covers physical risks like injuries and property damage. Professional liability (sometimes called errors and omissions insurance) covers claims related to mistakes, malpractice, and negligence. For example, professional liability may cover breach of contract, copyright infringement, or undelivered services.

The coverage you need depends on your business size and risks the business and industry faces. It’s best to discuss your business with a licensed agent to find out what’s best for you. Give us a call today at (844) 358-5605 to get the conversation started.

Home insurance usually covers damage to your house from things like fire, storms, and theft. It also covers your belongings. However, it usually doesn’t cover damage from floods, earthquakes, or normal wear and tear. You may need separate policies for those. Learn more about home insurance here.

It’s smart to have enough home insurance to rebuild your house if it’s completely destroyed and to replace your belongings. You should estimate the cost of rebuilding your home and the value of your personal items. For renters, you should carry enough to replace all your belongings.

A licensed agent can help discuss your home and help you get the right amount of coverage. Give us a call today at (844) 358-5605 to get the conversation started.

The cost of home insurance depends on factors like the size of your house, where you live, the materials used to build your home, and replacement cost for your belongings. Learn more about home insurance and the factors that impact premiums here.

Most home insurance policies do not cover damage from earthquakes or floods. You may need to buy separate earthquake or flood insurance policies to be protected from those types of natural disasters.

An HMO (Health Maintenance Organization) plan usually requires you to see doctors within a specific network and get referrals to see specialists. A PPO (Preferred Provider Organization) plan lets you see any doctor you choose and doesn’t require referrals. A PPO usually comes with higher premiums than an HMO.

A deductible is the amount you pay before your insurance starts to help. A copayment is a fee you pay for doctor visits or prescriptions, usually due at the time of service. The out-of-pocket maximum is the most you’ll have to pay in a year. Insurance will cover the remainder of medical costs once the out-of-pocket maximum is reached. The out-of-pocket maximum resets each year.

If you’re looking for additional protection beyond what your major or short term major medical insurance policy provides, we can help you find supplemental coverage! We can shop for telemedicine, cancer, critical illness, and more. Learn more about health insurance and the supplemental coverages we shop here.

There may be a lot to consider when deciding on a health insurance plan. Your healthcare needs, doctor preferences, and budget may all play a factor in choosing a plan. Shopping for health insurance can be overwhelming.

Our licensed agents are available to discuss your individual needs, answer any of your health insurance questions, and help you find coverage. Give us a call today at (844) 358-5605 to get the conversation started.

Term life insurance covers you for a set period (like 10 or 20 years) and pays out if you die during that time. Whole life insurance covers you for your entire life and includes a cash value that can grow over time. Learn more about life insurance here.

A beneficiary should contact the insurance company to report the policyholder’s death. They will likely need to fill out a claim form and provide a death certificate. The insurance company reviews the claim and pays out the benefits if everything is in order.

Yes, you can change your beneficiaries at any time. Contact your insurance company to update the policy with your new beneficiary details.

Life insurance companies may consider a wide variety of factors. Age, health, lifestyle, and the amount of coverage you elect may impact your premium rates. Some professions, hobbies, and habits (such as smoking) may see higher rates. Learn more about life insurance and the factors that impact premiums here.

Motorcycle insurance may include liability, collision, and comprehensive coverage. Liability coverage helps pay for damage or injuries you cause to others. Collision coverages helps pay to fix your motorcycle if it’s damaged in a covered accident. Comprehensive coverage helps cover non-collision issues like theft, fire, or vandalism. Learn more about motorcycle insurance here.

Premiums may be higher for more expensive or powerful bikes because they are riskier to insure. Your riding experience matters too. New riders often pay more because they have less experience. If you have a good driving record and experience, your insurance cost might be lower.

Most states require motorcycle insurance if you ride on public roads. The minimum requirements vary by state but usually include liability coverage. It’s important to check with your state laws and work with a licensed insurance agent to make sure you are meeting your local requirements. Give us a call today at (844) 358-5605 and we’d be happy to talk about your motorcycle insurance coverage needs.

Yes, some insurance companies let you customize your motorcycle insurance to cover accessories or modifications. Custom seats, saddlebags, or upgraded parts can be protected. It’s important to tell your insurance company about any modifications to make sure they are included in your coverage.

Personal watercraft insurance usually covers damages from accidents, theft, and vandalism. It also includes liability coverage if you injure someone or damage their property while using the watercraft. Learn more about personal watercraft insurance here.

Personal watercraft insurance provides protection for smaller watercrafts that typically one or two people can ride. Standard boat insurance covers larger vessels. Personal watercrafts and boats are typically governed differently and have different risks associated with them, so the types of policies offered vary.

Yes, most personal watercraft insurance policies include liability coverage. This protects you if you cause injury to someone else or damage their property.

Often rental companies offer short-term insurance that provides coverage while you’re renting the personal watercraft, which is a great option for people who only rent. If you own a personal watercraft, having your own policy might be the best option. Give us a call today at (844) 358-5605 to get personal watercraft insurance today.

RV insurance usually includes liability, collision, and comprehensive coverage. Liability coverage helps pay for damage or injuries you cause to others. Collision coverage helps fix your RV if it’s damaged in an accident. Comprehensive coverage covers non-accident issues like theft or weather incidents. You can also get extra options like roadside assistance. Learn more about recreational vehicle insurance here.

Most states require RV insurance if your RV can be driven, like a motorhome. The minimum coverage levels depend on each state’s laws. If your RV is towed, some states may not require insurance, but it’s still a good idea to have coverage.

Give us a call today at (844) 358-5605 and we’d be happy to talk about your RV and help you figure out if and how much coverage you may need.

RV insurance includes some of the same basic coverages as auto insurance like liability and collision, but it also has extra options. Since RVs can be used as a home, RV insurance may also cover things like personal belongings and emergency expenses if your RV breaks down while you’re traveling.

Yes, many RV insurance policies cover personal belongings inside the RV. However, not all policies automatically include this, so it’s important to check with your insurance company and add this coverage if needed.

Snowmobile insurance usually offers different types of coverage such as liability, collision, and comprehensive. Liability coverage helps pay for damage or injuries you cause to others. Collision coverage helps pay to fix your snowmobile if it’s damaged in a covered accident. Comprehensive can help pay for damage from things like theft or storms. Learn more about snowmobile insurance here.

Whether snowmobile insurance is required depends on the state. Some states require it if you plan to ride on public land or trails. Each state has its own rules, so check with your local laws. Our licensed agents can help you determine if snowmobile insurance is mandatory in your area. Even if it’s not required, having insurance is a good idea to protect yourself and your snowmobile. Give us a call today at (844) 358-5605 and we’d be happy to talk about your snowmobile insurance needs.

Snowmobile insurance may cover damage that happens while your snowmobile is being transported or stored, but it varies by policy. It’s a good idea to check with your insurance company to discuss transport and storage coverage. If you’re shopping for insurance, give us a call at (844) 358-5605 and we can go through policy details to make sure you get the coverage you need.

Yes, some companies offer discounts if you take approved safety courses or use safety equipment like helmets or have special safety features on your snowmobile. Ask your insurance agent about available discounts to make sure you’re getting the best rate!

Umbrella insurance is a type of personal liability insurance designed to provide extra coverage for a claim that is larger than what your homeowners insurance, auto insurance, renter’s insurance, or other personal liability policies may cover. Learn more about umbrella insurance here.

Once a claim meets the coverage limits of your auto, home, or other insurance policy, umbrella insurance will start to pay. It can help cover costs of legal fees or damages you’re found responsible for.

For example, if you have personal auto insurance policy that covers $50,000 for bodily injury per accident, and you are in an accident that resulted in $80,000 of bodily injury costs, you would be financially responsible for the cost beyond $50,000. However, if you have umbrella insurance, it would pay on the claim (up to the policy limits) and help alleviate your financial responsibility.

It depends on your assets, what you want to protect, and what type of insurance policies you already carry. Our licensed agents are available to discuss your individual needs, answer any of your insurance questions, and help you find the right umbrella insurance coverage. Give us a call today at (844) 358-5605 to get the conversation started.

Usually umbrella insurance doesn’t cover business-related incidents. You most likely need a separate business policy for that such as general liability insurance or commercial auto insurance. It’s best to discuss your business needs with a licensed agent. Give us a call today at (844) 358-5605 and we’d be happy to help get you coverage.

Workers’ compensation insurance helps cover medical expenses and lost wages for employees who get hurt or sick because of their job. It can help cover ongoing treatment and rehabilitation. As long as the injury or illness is work-related, most employees will be eligible for benefits. Learn more about workers’ compensation insurance here.

Most states require workers’ compensation insurance for businesses with employees. The laws vary depending on state and the size of the business. If a company is legally required to have workers’ compensation insurance and does not, they could face fines, penalties, and even criminal charges. The business will always have to pay out-of-pocket for employee injuries.

Many factors go into calculating premium costs. The industry, number of employees, and the company’s past history of workplace injuries are all important factors an insurance company will consider when determining how much the business should pay for coverage. Give us a call today at (844) 358-5605 and we’d be happy to talk about workers’ compensation insurance and help you shop around for coverage.

If an employee gets sick or injured because of work, they need to report it right away to their employer. The employer then files a claim with their workers’ compensation insurance company. The insurance company will review the claim. If it’s approved, the employee’s medical treatment and other benefits will be covered per the terms of the policy. Keep in mind, the insurance company may request updates as the employee recovers.