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Property Casualty Insurance is adjusting just like any industry out there today. The cost of goods and services anywhere you go is on the rise. What you want is an agent that knows what carrier fits your needs the best depending on a long list of factors specific to you or your business operation. We are in a situation where interest rates have been very low for a long time. In 2008 housing values hit bottom. Property values are slowly coming back, but nowhere near the cliff we fell from. Comparatively though, the cost of replacement has soared in the opposite direction. It's a challenge for insurance companies to establish a premium baseline. On one hand you would think that if the property value is less the premium would follow that trend. The problem is that building materials and the costs of goods has increased simultaneously. That is why you need an independent agent that has the experience and understanding to guide you through a maze of choices.  

Our focus will always be about customer service. Technology and Social Media is changing the world where we have more information at hand, but at the same time there is less focus on human interaction. It's impossible to not embrace some technology to operate a business these days. You will find that we don't depend on technology to provide insurance services. Instead we depend on technology to enhance a personal relationship with you. Give us a call and let's talk about what you need for your family or business.  
  
 

   

 

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As an independent insurance agent we can offer the right coverage with the personal touch you would expect from your neighborhood insurance agent.












 

 























































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