Coverage for your family, your home, your life.
Personal insurance is a relationship business. The auto rates change every six months, the home market hardens or softens on cycles we don't control, and the carriers' appetites shift without warning. Our job is to know your household well enough that when something changes — your daughter gets a license, you finish the kitchen, you trade up to a 2024 — we already know which carrier to call.
We write twelve personal-lines carriers across regional Ohio mutuals (Westfield, Grange, Erie), national majors (Cincinnati, Travelers, Auto-Owners), and specialty markets (Hagerty for classic auto, Foremost for mobile-home and RV). At renewal we rotate the book across that market based on the specific risk and the carriers' current rate filings — because the cheapest carrier on day one rarely stays the cheapest carrier three renewals in.
Auto insurance.
Liability, collision, comprehensive, uninsured/underinsured, medical payments, rental reimbursement, and roadside. Eight personal-auto carriers in our rotation; we'll often quote a household across four or five at renewal to find the fit for the specific driver mix.
Teenage driver coming on? Tickets in the last 36 months? Classic in the garage? Each one points to a different carrier — and that's the whole point of being independent.
Auto coverage details →Home insurance.
HO-3 is the standard package — dwelling, other structures, personal property, loss of use, liability, medical payments. The harder problems are the endorsements: water-backup, service-line, equipment breakdown, replacement-cost on contents, scheduled personal property for the rings and the bikes and the art.
2026 construction-cost inflation is the under-discussed problem in personal lines. We'll re-rate the dwelling-coverage A figure at every renewal so the gap between policy limit and rebuild cost stays closed.
Home coverage details →Life insurance.
Term while the kids are home and the mortgage is large. Whole and universal for estate work, charitable giving, and final expense. Patricia Beauchamp, CLU, ChFC, runs the practice — twenty-three years in life and benefits.
Most clients buy term in their thirties and convert a slice to permanent in their fifties. We'll walk you through the math both ways.
Life coverage details →Umbrella insurance.
Excess liability over the auto and homeowners limits. About $200 a year for a million dollars of coverage in most Westerville households. Higher limits scale linearly. We've yet to talk with a client who, once the math was on paper, didn't add it.
Umbrella coverage details →Scheduled personal property & specialty risks.
Jewelry, fine art, watches, firearms — scheduled on a separate inland-marine policy so the limits actually match the value and the deductible is zero. Classic auto with agreed-value through Hagerty. Boats, RVs, and motorcycles through Foremost and Progressive specialty markets.
Talk to a producer →Personal lines carriers we represent.
Twelve appointed carriers across personal auto, home, umbrella, and specialty.