Home, renters, auto, landlord, small business, life and disability. Same method on all of them: work out what a real loss costs here, set the limit to that, then shop the price across carriers.
Replacement cost against actual cash value, the separate wind or hail deductible, water backup, ordinance and law, and whether the dwelling limit still matches what rebuilding costs today.
Personal property limits people underestimate by half, loss of use, liability that follows you off the property, and the master policy gap a condo association leaves behind.
Bodily injury limits that survive a serious accident, uninsured and underinsured motorist coverage, rental and towing, and how a new driver in the household changes the whole rating.
General liability, business property, commercial auto and workers comp, matched to the contracts you sign and the certificate of insurance your client or landlord will demand.
Dwelling fire forms, loss of rents, liability for tenant injuries, and the requirement that tenants carry renters coverage naming you.
Term length matched to the mortgage and the childcare years, face amount sized to real household need, and the medical questions answered before an application goes in.
A limit is only meaningful next to a number from the real world. For a home that number is the cost to rebuild it in this market with today's labour, not the price you paid or the county assessment. For auto liability it is what a hospital stay and a lost year of income actually costs when you are the one at fault. For a business it is the largest contract you have signed and what that contract promises your client.
We write those numbers down first. Then we compare them against your current declarations page, mark every place the policy falls short, and only then look at premium. That order is the whole method, and it is the reason a review sometimes ends with a recommendation to spend slightly more rather than less.
Deductibles get the same treatment. A high deductible is a legitimate way to buy a lower premium, but only if the money is genuinely sitting somewhere you could reach it this month. We ask.
We place coverage with the carriers we are appointed with. If a risk is better served somewhere we cannot place it, we say so and point you in the right direction rather than forcing a bad fit.
Yes, and it is usually worth it. Home and auto rated together with the same carrier often changes both numbers, and we can only see that by quoting them side by side.
Then we tell you that in writing and suggest the one or two endorsements worth adding. A review that ends in no change is still a review that did its job.
We review the insurance requirements in your contract against the policy you hold and flag the gaps before a certificate request exposes them.