My husband and I have been using the same Independent Insurance Agent for over 15 years and I can't imagine getting insurance from anyone else! I like the personalized service we get. As bad as customer service is everywhere else, it's nice to know that I can go to my local office and get the help I need. I'm rarely put on hold when I call and I'm always helped by a knowledgeable staff member, not someone reading from a script. I've compared our insurance rates with many other companies, and our agent makes sure we get the best insurance for the best price. We've dealt with brokers and captive agents too, but our best experiences have been with Mr. Johnson.

Insurance License Company


Our commercial risk team offers a wealth of knowledge and expertise, and has built strong relationships with top insurance carriers. We partner with you to identify potential loss exposures, and help you implement an action plan to reduce them. Having the ability to write all lines of commercial insurance is one part of providing the best insurance and risk management consultation, but our true strength is having the expertise to tailor those products to suit your business needs.
All points have merit but, like any service, unprofessional service can be punished by walking. However, point #4, “market blocking” is a particularly confounding practice in P&C (I don’t think this occurs in LIfe & Health). Market blocking is a matter which Insurance Commissioners could easily correct nationwide to the immediate benefit of the customer.

Of all the variables that affect your premium, the most important will be replacement cost value. This is the amount of money needed to completely rebuild or replace your home in the aftermath of catastrophe. That number isn’t going to be the same as what you paid for your home (it should account for appreciation), nor the market value (which accounts for the plot of land and location). It’s best to hire an independent appraiser to get this number right and then confirm it with an appraiser from your insurance company. Now, the higher the replacement cost, the higher your premium, but don’t be tempted to underestimate it even if you’re eager to trim policy costs. This value is critical — protection against loss is the whole point of carrying insurance.
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Homeowners insurance quotes, in states where Esurance homeowners insurance is not available, are provided by Answer Financial, Inc or Security First Insurance Company for FL residents. Homeowners insurance claims are processed and paid by the underwriting company. Esurance does not underwrite, provide customer service, or pay claims for any homeowners policies sold by Answer Financial or Security First Insurance Company.
*All discounts are subject to eligibility criteria and applicable rates and rules at the time of purchase. Actual savings vary. Life multi-policy discount is not available in conjunction with auto policies already taking advantage of ERIE Rate Lock®. Erie Family Life insurance products are not available in New York. For additional information, contact your local ERIE agent.
Before you grab a quote from Progressive, you should know that coverage and discount may vary depending on your state. This is because the company doesn’t back homeowners policies itself, but partners with other companies to offer it to Progressive Auto customers. As the company explains it, “Insurance through the Progressive Home Advantage® program is underwritten by select companies that are not affiliates of Progressive and are solely responsible for claims, including Homesite Group Incorporated, IDS Property Casualty Co., and ASI Lloyds, and their affiliates.”

If you make any home improvements or security upgrades, you might be able to reduce your premium — but only if you tell your insurer. Before investing in any renovations on your home, double-check what discounts are available. Chances are you already have the basics down, such as deadbolts and smoke alarms. But your insurer may reduce your rate if you go the extra mile with carbon monoxide detectors and home security systems (provided they're monitored). That also extends to improvements that help guard against natural disasters, like storm shutters and stronger windows. However, not every addition will help your premium. Trampolines, swimming pools, and “risky” dog breeds such as pit bulls will make your homeowners insurance company cringe. They’re all liability concerns, and liability concerns make rates go up.


With term life insurance from New York Life, you get so much more than coverage for a set period of time. Our term insurance goes beyond protecting your family for the short term – it puts you and your loved ones on a path towards financial preparedness in the future. Starting with term life locks in your immediate protection and grants you access to features like converting to permanent coverage in the future if your life changes.1 This means it can help you achieve your goals at every stage of life.

Insurance Comparison


6The monthly rate shown is for Preferred Elite based on a Male, age 37. Allstate Lifetime UL® is a flexible premium universal life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook IL 60062 and is available in most states with contract series AC13-12. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY with contract series NYLU676.
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Because we require that our nonprofit members work with a broker, and because nonprofit insurance is such a specific niche of the marketplace, we provide broker referrals to nonprofits for brokers that specialize in working with nonprofits. While brokers who don’t specialize in nonprofits can still provide great service, they need to understand the special risks faced by nonprofits and the insurance coverage nuances available from specialty insurance carriers.  If a broker doesn’t typically work with nonprofits, they may not be familiar with the variety of options available.
Yes.  MetLife’s one year term products (including products underwritten by Metropolitan Tower Life Insurance Company and Metropolitan Life Insurance Company ) offer affordable protection when you require insurance for the short term. These products are designed to provide the right amount of protection when it’s needed most, or to supplement a policy you already have. Premium rates can be found here. For more information contact MetLife's Specialized Benefit Resources at 877-638-3932, and press 2 for New Business.
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Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
Any of our top homeowners insurance picks could potentially be the cheapest for you. Most annual premiums for homeowners insurance range from $600 to $2,000 ($50 to $170 monthly) — the range is so vast because rates are influenced by numerous, and highly personal, circumstances. Is your home old or new? Is it framed with brick or wood? Is it in a busy city or a rural area? Is there a high risk of natural disasters such as hurricanes, floods, or tornadoes? Are you bundling your policy with other types of insurance, such as auto or life? Those are only a few of the circumstances that can affect your quote.

Coverage for your stuff and temporary relocations are generally based on a percentage of your property's coverage limits. Standard policies usually cover personal belongings at about 50% of your dwelling limit and loss-of-use at about 20%, according to the National Association of Insurance Commissioners. You might need more coverage if you have pricey possessions.

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Umbrella policies offer extra liability coverage on top of what's already covered by your standard homeowners insurance or car insurance policy. Umbrella coverage starts at $1 million. Our agents generally recommend an umbrella policy to people who have more than $500,000 in assets since that's typically where your standard homeowners policy will cap coverage. But you should also consider umbrella coverage if you're at risk of multiple lawsuits, like if you have a few teen drivers in the house or you own multiple properties, especially rentals. You can learn more about umbrella insurance here.

Umbrella policies offer extra liability coverage on top of what's already covered by your standard homeowners insurance or car insurance policy. Umbrella coverage starts at $1 million. Our agents generally recommend an umbrella policy to people who have more than $500,000 in assets since that's typically where your standard homeowners policy will cap coverage. But you should also consider umbrella coverage if you're at risk of multiple lawsuits, like if you have a few teen drivers in the house or you own multiple properties, especially rentals. You can learn more about umbrella insurance here.
Acts of war or acts of God such as earthquakes or floods are typically excluded from standard homeowners insurance policies. A homeowner who lives in an area prone to these natural disasters may need to get special coverage to insure his or her property from floods or earthquakes. However, most basic homeowners insurance policies cover events like hurricanes and tornadoes.
Our Management Liability specialists average 15 years of experience in structuring risk management programs that protect against various types of executive risk and management liability. Strong relationships with insurance carriers and familiarity with current government legislation and case law mean we can effectively manage your risks in real time—an imperative in this ever-changing business environment.
Homeowners insurance is there to protect you in the event of a disaster, not to cover normal wear and tear. A home warranty, on the other hand, covers the mechanical breakdown of appliances and systems in the home, like the refrigerator, the washing machine, and the electricity and plumbing that make them run. If that sounds like something you want, check out our review of the best home warranty.

Life Insurance

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