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Our Process

No two people are the same, and our insurance professionals know this better than most. Our deep insurance knowledge and broad life experience inform our every decision, with only one goal in mind: your protection.

With decades of experience, we're excited to make sure you get the coverage you need before you need it most.

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Our Philosophy

We believe every person deserve access to sound, informed insurance advice. Regardless of your situation, we’re ready to help protect your future. Come rain or shine we’ll keep what matters most safe.

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CULTIVATED FOR YOU

Fallen Tree Damage—Who Pays?

As a homeowner, are you responsible for the damage caused by a tree on your property that hits your neighbor’s home or other insured structure, such as a garage or shed?

In most cases, the answer is “no.” When such damage occurs to your neighbor’s home due to forces outside your control, e.g., weather events, your neighbors may have to file a claim with their insurer to receive a reimbursement for the damage a down tree or branches cause.

There is one exception, however.

If it is determined that the tree damage stems from your negligence (e.g., dead limbs that you refused to cut down, or you chose to trim your tree as a weekend project), then the neighbor’s insurer may come after you to recover their loss—a process called subrogation.

You may want to check your policy or speak to your insurance agent to ascertain if your homeowners policy covers your liability in cases of negligence.

Your Goals, Our Strategies

Discover an array of services for all your insurance needs.

  • Commercial Property

    When most of us think of commercial property insurance, thoughts of towering skyscrapers and industrial buildings come to mind. But it’s the often-overlooked pieces of commercial property that are most important to your business.

  • Auto

    If you drive or own a vehicle, being insured is more than just a convenience – it’s a necessity.

  • Home

    Homeowners insurance products can help you protect your home and belongings should disaster strike.

  • Life

    Life can move pretty fast sometimes. Having life insurance can ensure you and your loved ones remain protected even during life’s unexpected events.

Helpful Content

Curated articles, videos, and more for a more educated you.

Side-by-Side: Insured vs. Uninsured

Here's what happens if your small business has an accident and you're not insured.
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What You Should Do About Insurance Following a Divorce

In the face of divorce, making changes to insurance coverage may be overlooked.
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The Anatomy of a Supplemental Health Plan

Here’s a guide to explain all the parts of Medicare.
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How Much Do You Know About Insurance?

These days, insurance needs are better understood than ever. Yet, many Americans remain under-informed about how various insurance products really work. Want to know how you rank? Challenge yourself with our brief quiz, "Test Your Insurance IQ."

Have a question? We're ready to help.

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