Home Insurance

Artwork Insurance for Maine Homes

Posted on by Bob O'Brien

Off the shelf policies don’t provide proper artwork insurance. Homeowners, renters and condo policies have limited coverage. To really protect your collection requires a bit more.

artwork insurance is best handled by scheduling your pieces

GOOD – Basic Policies and Artwork Insurance

Home, condo and renters policies protect your belongings. They pay for damage by fire, theft plumbing leaks and 14 other perils. Personal Property (Coverage C) is the most your policy will pay. Off-the-shelf policies value your property at Actual Cash Value. That’s defined as replacement cost minus depreciation. That’s a start, but we recommend more.

BETTER – Two Upgrades for Artwork Insurance

Even if you don’t have much artwork we recommend two important upgrades to the base policy.

  • Replacement Cost Coverage for Personal Property. You want the insurance company to pay you the full cost to replace damaged or destroyed items. This endorsement removes the depreciation deduction. Only your deductible applies. We sometimes call this “new for old” coverage.

    Replacement cost coverage is an option on homeowners, condo or renters policies.
  • Special Coverage for Personal Property – also called “open perils” or HO-5 coverage. This expands the causes of loss that your policy covers. The basic policy covers 16 named perils. That’s exactly what it sounds like. Only listed perils are covered. Some examples: fire; vandalism; smoke; and plumbing leaks.

    But what if you leave your window open, and rain damages your artwork? Or, someone spills wine on it? Those aren’t among the 16 named perils. You need open perils coverage for your policy to pay.

BEST – Scheduled Artwork Insurance

Scheduling your valuable articles gives the best artwork insurance coverage. That means listing and describing each piece and assigning a value to it. This is the best way to insure many types of valuables. That includes jewelry, antiques, rugs or special collections. You may see it on your policy as Scheduled Personal Property.

Important Benefits of Scheduling Artwork

  • Sets the value BEFORE a loss – it can be hard to describe your artwork after it’s completely destroyed or stolen. It’s also difficult to prove what it was worth. Scheduling it establishes the value before the loss, not after. The insurance company will pay the lesser of
    • the cost to repair the item;
    • the cost to replace the item;
    • the amount listed on the schedule.
  • Provides Special Coverage – like the open perils coverage described above. For example: hanging hardware fails and a painting crashes to the floor. The frame breaks. It’s covered! But it wouldn’t be without special coverage or scheduling.
  • Removes the deductible – most property policies have a $1000 deductible or more. But scheduled property is usually covered with no deductible at all.

Valuing Your Artwork for Insurance

Many insurers allow you to set the value of your own artwork up to a limit. Often, that limit is $5,000. Any single piece valued over that needs an appraisal to justify the value. Insurance companies may require updated appraisals every 5 years. They want to make sure the valuation stays current.

If you have a lot of art or other valuables an insurance company might require an alarm system in your home. That usually means a system that’s monitored 24/7 by a service, not self-monitored via app or cell phone.

Want to Insure Your Maine Art Collection?

Do you live in Southern Maine and need artwork insurance? Contact a Noyes Hall & Allen Insurance agent in South Portland at 207-799-5541. We offer a choice of Maine’s preferred home insurance companies. We can help you find the best value for your collection.

We’re independent and committed to you.

Maine Insurance Rates 1Q 2023 Home and Auto Update

Posted on by Bob O'Brien

Maine insurance rates are following national trends. Home and auto rates are up as insurers try to catch up with rising claim costs and construction values. Portland Maine area insurance buyers saw almost a 10% price increase in the 1st quarter of 2023. Even so, Maine insurance rates remain among the lowest in the US.

Maine Insurance Rates – Auto – January to March 2023

Between January and March 2023, Portland Maine area auto insurance rates jumped 6.8% on average at renewal, up from 3.7% last September. The average annual auto insurance policy in Cumberland County costs $1341 per year.

Maine insurance rates for auto rose 6.8% in 1Q 2023.

Insurers reported higher than expected losses as people drove more after COVID reductions. Body shops and mechanical repair shops charged higher prices due to supply chain and labor shortages. Used auto prices spiked during COVID and settled above pre-pandemic levels. Finally, auto rentals are much more expensive, and needed longer due to body shop delays. All of these factors, along with medical cost increases, put strong upward pressure on auto insurance rates in 1Q 2023.

Maine Insurance Rates – Home – January to March 2023

Maine home insurance rates increased even faster than auto insurance. The average home insurance premium was 10.9% higher than a year ago. That’s up from 9.6% in September. And we haven’t seen the end yet.

Maine insurance rates for homeowners rose 10.9% in 1Q 2023.

Many of the same inflationary pressures pushed home prices higher. Building materials and labor costs spiked dramatically during COVID and haven’t settled completely back. It’s been difficult and expensive to find contractors. That delays repairs and increases claim costs.

But reinsurance costs are probably the biggest driver of property insurance rates. Reinsurance is insurance for insurance companies. It protects them against catastrophic losses from natural disasters like wildfires, blizzards, ice storms, hurricanes and tornadoes. Many insurance companies saw their reinsurance rates jump 30-50% this year. Insurance companies must pass on the cost of reinsurance to their customers.

Compare to Find the Best Value

Most financial advisors recommend comparing to get the best insurance value. If you live in southern Maine, you can get up to 5 insurance quotes in 10 minutes from our website. Or contact a Noyes Hall & Allen agent in South Portland at 207-799-5541 for a free no-obligation custom review. We offer a choice of several insurance companies. That means we can help you find the best insurance value.

We’re independent and committed to you.

Why Property Insurance is More Important in a Tight Housing Market

Posted on by Bob O'Brien

It’s a tight housing market in Maine right now. Whether your rent or own, that means property insurance is more important than ever. High costs and tight supply define the current market.

  • Building material costs remain at historic highs.
  • Contractors are busy, often scheduling work months ahead.
  • Real estate inventory is very low, which means it’s hard to find temporary housing.
In a tight housing market, property insurance is more important than ever.

Whether you’re a homeowner, condo owner or renter, property insurance can help. If disaster strikes your home, property insurance may help in three ways.

Cleanup Expenses

Property insurance can pay to remove smoke odors from furniture or clothing. It can also pay to dry water-damaged property. This helps you to salvage the things you need and your favorite belongings. Without homeowners, condo or renters insurance, you would have to pay these costs out of pocket.

Temporary Living Expenses

What if your home is damaged so badly that you can’t stay there? Your homeowners, condo or renters insurance may help. It may pay the extra cost for you to stay elsewhere until you can move back or find a new place.

Since housing is tight, that can be expensive. Make sure you have enough Additional Living Expense coverage. We recommend at least 3 months’ rent cost for renters and 12 months rent cost for home or condo owners.

Rebuilding, Repair and Replacement Costs

If you own your home or condo, your property insurance may cover the cost to repair fire, water or wind damage. What if your belongings can’t be repaired? Your renters, homeowners or condo policy may pay to replace them.

  • Make sure you have replacement cost coverage. “Off the shelf” policies may only pay depreciated value.
  • Check your Personal Property coverage limit. Is it enough to replace your belongings “new for old”. Increase your insurance if necessary.
  • If you own your place, check your Dwelling coverage limit. Is it enough to rebuild? Building costs are very high in the tight Maine housing market. Make sure your policy is keeping up with inflation.

Local, Professional Advice is Important   

You can buy property insurance on the internet or from a call center. But why?

A local insurance agent doesn’t cost extra. They also know the local market and can advise you before and during a claim.

As an independent agent Noyes Hall & Allen Insurance in South Portland offers a choice of many insurance companies. We can compare options for you. That saves time and money. Contact a Noyes Hall & Allen agent for more information at 207-799-5541. We’re independent and committed to you.  

    Forecast: Wicked Cold! Prevent Frozen Pipes

    Posted on by Bob O'Brien

    Frozen pipes happen quickly in frigid weather. All it takes is one small area with insufficient insulation to cause major water damage.

    Greater Portland and Maine could experience the coldest air mass we’ve seen in years. If you’ve made recent improvements to your home or business (additions, remodeling, new heat systems, etc.), this will be the harshest test your property has had to endure since then. Here’s how to avoid damage from frozen pipes, and what to do if your pipes freeze.

    Frozen pipes happen quickly in frigid weather and create major damage.

    In Very Cold Weather

    • Open cupboard doors below sinks. This allows warm air to circulate, and helps keep pipes from freezing.
    • Turn on hot and cold faucets enough to let them drip slowly. Keeping water moving through the pipes prevents freezing.

    If You Leave for More than a Day

    • Keep the temperature at a minimum 65 degrees F. People often set their thermostats lower than this and assume they’ll be ok. They find out the hard way that the temperature in the living or working space may be fine, but the temperature inside the walls, where the pipes are, may not.
    • Have someone check your property regularly. If your pipes freeze or water leaks, early discovery saves major damage.
    • Use a “low-temp alarm”. Plenty of inexpensive wireless devices can text or call you if the temp drops inside your property. Even better long-term solution: install a low-temperature alarm into a monitored security system.

     

    Think You Have Frozen Pipes?

    Don’t wait for them to burst.

    Take measures to thaw them immediately, or call a plumber for assistance. Do NOT attempt to thaw them yourself with any sort of flame!

    If your frozen pipes do burst…

    Even a 1″ split in a pipe can cause thousands of dollars in damage in minutes. You need to act quickly to prevent additional damage.

    • Turn off the water at the main shutoff valve.
    • Clean up the water. You don’t want more damage than you already have. An insurance adjuster doesn’t need to see the water, but will want to inspect any damaged items.
    • If you have a lot of water, contact a remediation contractor. Your insurance agent can help you locate one.
    • Prevent further damage. Protect or remove any carpets, furniture, inventory or other items that can be damaged from further seepage.


    Making an Insurance Claim for Frozen Pipes

    Many standard homeowners and business property policies cover water damage resulting from frozen pipes. Not all policies are alike. Contact your agent to be sure what your policy covers.


    Filing a claim:

    • Call your insurance company or agent as soon as you notice the damage. Noyes Hall & Allen Insurance clients can find emergency claim phone numbers and other instructions here. If your agent or company requests you to do so, follow up with a written explanation of what happened.
    • Make temporary repairs and take other steps to protect your property from further damage.
    • Save receipts for what you spend and submit them to your insurance company for reimbursement.
    • Make a list of damaged items. If your home is so severely damaged that you cannot live there, save the receipts from any additional living expenses you incur for accomodations while repairs are being made.

     We hope you and your property remain safe and warm through this cold weather.

     

    Preventing Ice Dam Damage

    Posted on by Bob O'Brien

    Ice dam damage is a common problem in Maine and other cold weather areas. Learn the warning signs and how to prevent damage here.

    ice dam damage is common in Maine and other cold weather areas

    Icicles and Ice Dams

    You can have icicles on your roof without an ice dam. They affect different parts of your roof. But icicles hanging from eaves and gutters are often a warning sign of an ice dam on the roof. Ice dams and icicles are both caused by the freeze – thaw cycle.

    Icicles form when ice or snow melt from your roof and freeze on the edge. They can be very heavy. When they fall, they can damage property or injure people.

    Ice dams occur when snow melts and then re-freezes on your roof. If melted water works its way under your roof shingles and refreezes, it expands. Ice can trap (or dam) water on the roof, causing it to pool and back into the building. The resulting roof leak can cause damage inside the building. Untreated, it can cause mold and rot.

    Insulation and Ventilation Prevent Ice Dam Damage

    Proper insulation and ventilation help prevent the freeze – thaw cycle that creates ice dams. The goal is to keep your roof cold.

    Good insulation between the ceiling and roof is key. Pay particular attention to openings like vents and hatches. EfficiencyMaine is a great resource to learn more about insulating – and saving heating and cooling costs. You can even set up an energy assessment.

    Ventilation is another key. Allowing cold air to circulate between the insulation and the roof keeps your roof cooler. That reduces the freeze – thaw cycle that causes ice dams.

    Maintenance Tips to Prevent Ice Dam Damage

    Good maintenance is another way to avoid damage from ice dams.

    • Clear leaves and debris from downspouts and gutters before winter.
    • Allow downspouts and gutters to flow freely. Keep them free of snow and ice.
    • Rake snow from your roof with a special roof rake. Roof rakes allow you to stand on the ground and clear your roof, reducing chance of a fall or other injury.
    • Never chop ice with any sharp tool or hammer. This can damage your roof!

    Trouble Signs

    Look for these signs that an ice dam may be forming:

    • Icicles.
    • Water damage on inside ceilings or walls.
    • Exterior paint damage.
    • Your roof is clear when your neighbor’s is snow-covered. This can be a sign that your insulation is inadequate.

    Ice Dam Damage and Insurance

    Your home or business property insurance may cover water damage caused by ice dams. Sometimes, roof shingles are undamaged by ice dams, but water leaks inside. Check with your insurance agent to see if your home, condo, renters or business policy covers ice dam damage.

    If you live or have a business in Southern Maine, including Greater Portland, contact a Noyes Hall & Allen Insurance agent at 207-799-5541. Because we offer a choice of many insurance companies, we can compare options to find the right fit for you.

    We’re independent and committed to you.

    Insurance Rates Rise in 2023. Here’s Why

    Posted on by Bob O'Brien

    Insurance rates will increase in 2023 for individuals and businesses. Insurance people increasingly expect what they call a “hard market”. Underwriting gets tighter. Insurance rates rise. Appetite for risk shrinks. It’s part of the natural insurance cycle. Here’s why we’re seeing it now.

    Insurance Rates Rise in Uncertainty

    Insurance companies use history and future expectations to set rates. When they feel confident in their claim predictions, rates are more stable. When confidence is lower, their risk of getting it wrong is higher. That means prudent insurance companies have to charge more “just in case”.

    These are uncertain and risky times. Weather and natural disasters are more extreme and difficult to forecast. Moreover, economic signals are mixed. Supply channels are challenged. Even public health is in flux. All that uncertainty prompts insurers to set rates cautiously. They need make sure they’ll be able to pay claims.

    Inflation Affects Insurance

    We all feel the effects of inflation. Prices are higher for everything from groceries and gas to lumber and plumbers. Insurance companies feel it too. Medical expenses, auto repairs rental, used cars, building materials and costs all increased dramatically during and after COVID.

    Some of those costs have settled, but none are where they were before. Meanwhile, insurance companies had to pay 2020 claims with premiums collected using 2019 rates – before anyone knew what was coming.

    Insurance Rates Rise After Disasters

    Wildfires, tropical storms, temperature extremes, droughts and floods and other disasters are more frequent. Insurance companies have paid billions in property claims. It makes no difference whether they believe these are trends or blips. Insurance companies need to prepare to collect enough premium to pay losses.

    The Reinsurance Effect

    You buy insurance to protect your family or business from disaster. Insurance companies do the same. They buy reinsurance each year to protect them from going bankrupt due to a catastrophe. Of course, reinsurers set their rates based on losses and projections, too. Now, the property reinsurance rates that insurance companies pay are rising by double-digits. Insurance companies pass that cost on to consumers as part of their rates.

    In Maine, we’re fortunate not to have many of these disasters. But we still share in the losses of other regions through reinsurance rates. And, we have harsh weather, too – remember the Ice Storm?

    Insurance Rates Vary – Choice is Important

    Although insurance costs are higher across the board, each insurer sets their own rates. That’s why it’s important to compare coverage and price to find the best value. As an independent insurance agency in South Portland, Noyes Hall & Allen Insurance offers a choice of several preferred insurance companies. Contact a Noyes Hall & Allen agent. We can help you compare and decide which is the best fit for you. We’re independent and committed to you.

    Service Line Insurance in Maine – Who Needs It?

    Posted on by Bob O'Brien

    Service line insurance is a new coverage that some homeowners insurers offer. It covers property not included in “off the shelf” policies. What is it, and do you need it? Find out here.

    Service line insurance is a new coverage that some homeowners insurers offer. It covers property not included in "off the shelf" policies.

    Service Line Insurance – What is It?

    Service line insurance pays for damage to some underground lines outside the foundation of your home. Most insurance companies define that as:

    • Public utility water and sewer pipes between the street and your home.
    • Underground private water lines between your well head and your home.
    • Private septic lines between your home and your septic tank.
    • Underground electric, gas or telecommunication lines on your property.

    What Kind of Damage Does Service Line Insurance Cover?

    For example many forms cover damage from:

    • Wear & tear
    • Rust, corrosion or deterioration
    • Damage from tree roots (some companies exclude tree root damage).
    • Collapse, except for sinkhole or subsidence.

    What’s Not Covered?

    These claims are typically excluded:

    • Swimming pools
    • Irrigation systems
    • Unclogging plumbing blockages
    • Some policies exclude damage from tree roots.

    Is Service Line Insurance the Same as a Water District Plan?

    No. Water district plans are usually service agreements, not insurance. Click here to learn about the difference between service line insurance and water district plans.

    Service Line Insurance Covers More than Pipes

    Service Line insurance covers replacement or repair of the damaged pipe. In addition, it covers excavation costs. Also, the cost to replace your excavated lawn or pavement. Some policies also cover costs for you to stay elsewhere while your home’s water or sewer system is not working.

    How Much Service Line Coverage Can I Afford?

    Service line coverage typically has a $10,000 limit, for example. And most Maine service line policies have a $500 deductible. And the cost is surprisingly reasonable: often less than $50 per year. So check with your agent to see what’s available to you.

    Service Line Insurance Quotes

    If you live in Southern Maine, contact a Noyes Hall & Allen agent for a home insurance quote that includes service line coverage. Call us at 207-799-5541 or get up to 5 insurance quotes online. Because we’re independent insurance agency in South Portland, we offer a choice of Maine’s preferred home insurance companies. As a result, we can compare to find you the best insurance value. In short, we’re independent and committed to you.

    Maine Insurance Rates September 2022 Home and Auto Update

    Posted on by Bob O'Brien

    Maine insurance rates remain among the lowest in the US. But home and auto rates are up as insurers struggle with rising claim costs and rising construction values. Portland Maine area insurance buyers saw increasing prices in the 3rd quarter of 2022.

    Maine Auto Insurance Rates – June to September

    Between June and September 2022, Portland Maine area auto insurance rates averaged a 3.7% increase at renewal, up from 1.7% last quarter. That’s still below the national average of 4.3%. 

    Maine insurance rates for autos increased 3.7% in 3Q 2022.

    About 62% of auto insurance buyers experienced an increase in premium. The other 38% saw premiums the same or less than before. Higher repair costs, delays finding replacement parts and increased driving speeds are all factors insurance companies site when they have to increase rates. Customers’ rates might decrease if accidents and violations “age off” or they choose to reduce or remove coverage on vehicles.

    Maine Home Insurance Rates – June to September

    Portland Maine home insurance renewal rates increased 9.6% from June to September. That’s rising faster than auto premiums, and an increase from last quarter’s 4.1% clip. That’s still less than the national average.

    Maine insurance rates for homeowners rose 9.6% in 3Q 2022.

    Home owners were more likely than auto insurance customers to see a rate increase: 91% saw a renewal increase. Only 9% saw rates stay the same or decrease. Higher building costs contributed to increased rates. So did longer rebuilding times due to labor shortages. The cost to rent temporary housing is very high now. That drives property insurance rates higher. So does the increasing cost of property reinsurance. That’s affected by disasters and other uncertainties.

    Maine Insurance Rates – Find the Best Value

    If you live in southern Maine, you can get up to 5 insurance quotes in 10 minutes from our website. Or contact a Noyes Hall & Allen agent in South Portland at 207-799-5541 for a free no-obligation custom review. We offer a choice of several insurance companies. That means we can help you find the best insurance value.

    We’re independent and committed to you.

    Maine Insurance Rates – Home and Auto Update

    Posted on by Bob O'Brien

    Maine insurance rates are some of the lowest in the US. But home and auto rates are up as insurers struggle with rising claim costs and rising construction values. Fortunately, Maine insurance buyers are seeing smaller rate increases than much of the country.

    Maine Auto Insurance Rates

    As of June 2022, Maine auto insurance rates are averaging a 1.7% increase at renewal. That’s considerably less than the national average of 4.3%. The Wall Street Journal recently reported increases as high as 20%.

    The main factors driving auto insurance increases include:

    • More driving. Miles driven are returning to near pre-pandemic levels
    • More serious crashes. Traffic fatalities reached a 16-year high last year.
    • Higher repair costs. Parts and labor costs have both risen sharply due to staffing issues, shipping problems and supply chain glitches.
    • Higher used car prices. When insurance companies total a vehicle, they have to pay the current used car market price. Used car prices went through the roof recently.
    • Car rental issues. Auto body repair times are much longer. That means longer replacement rentals. Daily car rental costs have spiked, too.
    Maine auto insurance rates are up 1.7% at renewal as of June 2022.

    Maine Home Insurance Rates

    Maine home insurance rates are rising faster than auto premiums, at a 4.1% clip. That’s still less than the 6% national average. And at an average premium of $1005 per year, Maine home insurance is a relative bargain.

    Home insurance costs are affected by building values and claim costs.

    • Rebuilding costs. Building materials and labor costs spiked during the pandemic. Insurance companies have increased their “inflation guard” factors to provide increased coverage on renewals.
    • Longer repair times. Contractors are hard to find, too, which increases additional living expenses.
    • Unusual weather. Natural disasters caused $116 Billion in insured claims in 2021. Maine sees far less than the rest of the US. That’s one reason why our rates are lower. But insurers are feeling less certain about predicting future losses.
    Maine home insurance rates average a 4.1% increase in June 2022

    Individual Home and Auto Insurance Rates Vary

    Every insurance company files their rating plan with the Maine Bureau of Insurance. That plan includes individual rating factors such as driving record, insurance claim history, property location and personal insurance scores.

    Maine Insurance Rates – Find the Best Value

    If you live in southern Maine, you can get up to 5 insurance quotes in 10 minutes from our website. Or contact a Noyes Hall & Allen agent in South Portland at 207-799-5541 for a free no-obligation custom review. We offer a choice of several insurance companies. That means we can help you find the best insurance value.

    We’re independent and committed to you.

    Market Value and Building Cost – How Much Insurance do You Need?

    Posted on by Bob O'Brien

    Market value and building cost are important factors for property owners. But only one really matters when buying insurance. Knowing which one can help you avoid buying too much – or too little – insurance.

    Market value and building cost are both important to property owners. But only one matters for insurance.

    Market Value and Building Costs – Both are High

    Market values of real estate are at an all-time high. That’s no secret to anyone buying or selling property. Whether you believe we’re in a bubble or not, 2022 is clearly a seller’s market. Due to low supply and high demand, buyers are offering above asking price and making other concessions to get properties.

    Building costs are also high in 2022. Although lumber prices are lower after a huge COVID spike, they remain at a historically high level. So do contractors’ labor rates. Prices for petroleum-based building materials are also sky high.

    Market Value – What is It?

    Simply put, real estate market value is the going price. The one a willing buyer and seller agree upon. Many factors go into market price. Among them:

    • Location (location, location)
    • Inventory of similar properties for sale
    • Features of the buildings
    • Acreage
    • Landscaping and other improvements

    Building Cost vs. Reconstruction Cost

    Building cost is different from market value. It’s also different from reconstruction cost.

    Building cost includes:

    • Building materials (“sticks and bricks”)
    • Design or architectural work
    • Contractor labor and use of equipment

    Reconstruction cost per square foot is often higher than building new. Some reasons for that include:

    • Constraints of working around existing landscaping and structures
    • Matching existing materials, design, etc.
    • Reduced economies of scale. Contractors often build several new homes at a time. This distributes the cost of equipment, materials and labor. A reconstruction job at one home doesn’t permit this kind of scale.

    Insurance Doesn’t Cover Market Value

    Market value includes land, earth moving, landscaping and hardscape. Insurance doesn’t pay for any of those things. Market value also includes outbuildings, fences, pools and other structures. Insurance lists those separately from main buildings.

    Insurance Covers Reconstruction Cost

    Insurance covers the cost to rebuild. Even after a complete disaster, a contractor may be able to use the excavation or foundation that remains. That’s why in highly desirable areas, insurance values are often less than the price you would pay to buy the property.

    Can A Lender Make You Insure the Purchase Price?

    Lenders are always concerned about protecting their interest in your property. But your building insurance amount may not match your loan amount. That’s OK.

    By law, lenders cannot require insurance in excess of rebuilding costs for 1-4 family dwellings in Maine. If your insurance agent can prove that your policy covers 100% of reconstruction costs, your lender cannot require more insurance.

    Your Insurance Agent – Your Advocate

    An insurance agent should work with you to estimate the proper rebuilding cost of your property. They should also provide proof of insurance to your lender. Finally, they should advocate on your behalf if the lender pushes for insurance above the fair rebuilding cost.

    Do you need to insure property in Southern Maine? Whether it’s in Greater Portland, Cape Elizabeth, Scarborough or anywhere in Cumberland, Androscoggin, Sagadahoc or York County, contact Noyes Hall & Allen Insurance in South Portland or call 207-799-5541.

    We offer a choice of many insurance companies so we can help you find the best value. We’re independent and committed to you.