Independent means I am not tied to one company. I compare your risk across the carriers below, plus specialty markets for harder risks, and recommend whichever actually fits.
Standard auto and home carriers for households and vehicles that fit a typical underwriting profile. I run your information across these and quote whichever comes back the best fit.
Auto, Home
Auto, Home
Auto, Home
Auto, Home
Auto, Home
Auto
A flood policy is always separate from a homeowners or dwelling policy. I place flood coverage through The Hartford's flood program, available in both Tennessee and Florida.
Some homes do not fit a standard carrier: an older roof, a coastal location, a prior claim, or a higher value property. For those, I place coverage through CRC Group, a wholesale insurance broker with access to specialty and hard-to-place markets, rather than turning the risk away.
Homeowners and dwelling programs built for hard-to-place property, including older homes that fall outside standard underwriting.
Excess and surplus lines programs covering commercial risk, inland marine, and specialty property including earthquake, flood, and builder's risk.
Personal lines programs for tenant and homeowners coverage, condo unit owners, high-value homes, and community associations.
Send the address and the basics. I will tell you which market makes sense.