Personal insurance

Coverage for your vehicles, home and family

Luis writes every personal line and compares multiple carriers on each one, so you get the right protection at a fair price. Se habla español.

Go deeper on each line:

Auto & vehicles

Liability, collision and comprehensive for every car and driver in your household, with options for rental reimbursement and roadside help.

Adding a new driver is one of the biggest rate changes a family sees. Luis compares carriers to keep that jump as small as possible.

If the state requires an SR-22 filing after a violation, Luis can find a carrier that files it and keeps you legally on the road.

Coverage for street bikes, cruisers and touring bikes, including custom parts and riding gear.

Hull, liability and towing coverage for boats, jet skis and pontoons on Percy Priest, Kentucky Lake, Norris Lake and every lake in between.

Motorhomes, campers, ATVs, side-by-sides and golf carts, covered on and off the road.

Dwelling, other structures, belongings and personal liability, with replacement-cost options so a claim rebuilds what you lost.

Low-cost protection for your belongings and liability, often cheaper when bundled with auto.

Covers your unit interior, upgrades and belongings, filling the gaps your HOA master policy leaves.

Dwelling fire and landlord policies for homes you rent out, including loss of rental income.

Specialty coverage for mobile and manufactured homes, including ones on rented land.

Standard home policies exclude flood. Luis can add flood coverage whether or not you are in a mapped flood zone.

An extra layer of liability above your auto and home limits, usually $1 million or more, for a modest annual cost.

Scheduled coverage for engagement rings, watches, art and collections at their appraised value.

Affordable coverage for a set number of years, typically matched to your mortgage or the years your children are at home.

Permanent coverage with level premiums and guaranteed cash value that grows over time.

Permanent coverage with flexible premiums and death benefits that can adjust as your needs change.

Smaller permanent policies designed to cover funeral costs and final bills so family isn't left paying them.

Not sure what you need? Luis will walk you through it.