Independent insurance · Home · Auto · Life · Business
Send us your policies. We'll take it from here.
A quote tells you the price. We tell you what's missing. Call, text, or email a photo of what you have now, whichever is easiest, and we'll tell you where you stand.
No cost, no obligation. Replies the same business day.
- Licensed in Tennessee, Property & Casualty and Life & Health
- Independent. Not tied to one company.
- Nashville, Brentwood, and Franklin
- Hablamos español
Your part takes two minutes. Ours is everything after that.
Nobody wants insurance to become a project. So we made sure it isn't one.
What you do
Send us a photo of each policy you have. Home, auto, umbrella, whatever you are carrying. Text it, email it, or call and we will walk you through it.
Not sure which page? Send all of them and we will find it.
What we do
- Run it through the same 47-point Coverage Check every policy gets
- Find the exclusions that would get a claim denied
- Compare your coverage across the carriers we represent
- Send you one page telling you what you have and what is missing
- Handle the paperwork if you decide to move. Mid-policy is fine.
- Cancel the old policy and get proof of coverage to your mortgage company
What clients say
Every one of these is a real Google review. Nothing here is edited except for length.
“He took the time to review all of our insurance policies and identified some gaps in our home insurance coverage that we weren't aware of. Incredibly knowledgeable, helpful, and responsive, always getting back to us quickly whenever we had questions.”
“I personally hate dealing with this stuff, but I also like to know enough details to understand what's going on. He was great at communicating what type of coverage I had, along with some of the smaller details most people miss with my business type.”
“Friendly, knowledgeable, and took the time to answer my questions and explain everything clearly. I really appreciated how helpful and easy they were to work with.”
Five reviews on Google. All five stars.
You shouldn't have to know what a seepage clause is.
That is our job. Most agents work for one company and have a number to hit. We are not tied to one company. We work for you. If your agent is already doing all of this, keep them. Most aren't.
How we take care of every client, every year
Getting the policy right is the start. Keeping it right is the job. Five things happen for every client, every year.
A year from now, you have heard from us a handful of times, your renewal came with a note explaining it, and you have not opened a policy document once.
You finally know what you are covered for
Most people have never been told, in plain English, what their policy actually does. We walk you through the whole picture so nothing in the fine print is a surprise later. We call it the Coverage Roadmap, and it comes with working with us.
A home inventory you can finish in 20 minutes
We send you a short video showing exactly what to record and how, so it holds up if you ever need it. Twenty minutes with your phone. Keep it yourself or send it to us and we'll store it in your document vault.
A market check 45 days before every renewal
Before your renewal lands, we compare your coverage across the carriers we represent and check every discount you qualify for. Best value, not just the lowest number.
Upkeep tips that keep claims off your record
A short note each month, written for Nashville homes and Nashville weather. The small things that turn into big claims, and how to head them off.
A yearly look at what changed
New house, new car, new kid, new business. Once a year, in the month you came aboard, we check whether your coverage kept up with your life.
Four things we promise
Nothing lapses
Your current policy stays in force until the new one is bound and confirmed. There is never a day in between where you are uncovered.
No selling if you are already fine
If what you have is right, we will tell you so and leave it alone. If we are not the right fit, we will say that too and point you to someone who is.
No rate surprises
Any change to what you pay comes from us first, with the reason, before the bill shows up.
Same business day, every time
You will not wonder whether we got your message. You hear back the same business day, and anything that arrives after hours gets a reply the next business morning.
In case you are wondering where the catch is, there isn't one. We are paid by the carrier when we place your coverage, the same as any agent. The review is how we earn it.
Before you file a claim, call us.
Filing is not always the right move, and nobody tells you that. A claim can cost you more over the next few years than it pays out today. So before anything goes to the carrier, we look at it together.
What we look at
- What the damage actually costs against your deductible
- Whether a claim on your record will raise your rate more than it pays
- Whether it is the kind of loss your policy covers, or maintenance the carrier will deny
Then, if it makes sense
We report the claim for you, make sure the adjuster has what they need, and stay on it until it is closed. You get one number to call and it is ours.
What we review
Most people have insurance. Most people have never had anyone actually read it to them.
Home & Auto
Limits, exclusions, and whether you are paying for things you do not need.
Learn moreSmall Business
Your personal policies do not protect it. We review what the business actually needs.
Learn moreLife Insurance
Whether what you have still fits the life you are living now.
Learn moreRetirement Income Planning
Turning what you saved into income that keeps showing up after the paycheck stops.
Learn moreLong-Term Care
Planning early, while there are still good options and time to choose.
Learn more
Your advisor
A decade in financial planning before this. Sitting across from Nashville families, walking through the whole picture until it actually made sense to them.
Most people do not have a coverage problem. They have a clarity problem. Nobody has ever shown them how the pieces fit together, and nobody has offered to do the reading for them.
That is the whole idea here. Somebody whose job it is to pay attention to this so you don't have to.
Meet Your AdvisorSend us your policies. We'll tell you where you stand.
No cost, no obligation, and nothing to sit through. The best time to send it is 45 days before your renewal. The second best time is now. If your coverage is already solid, we will tell you that too.
Text us your policy