The questions we get most.

Captive agents (think the household-name carriers) work for one company and can only sell that company's policies. We're independent, we shop 20+ carriers, find the best fit for your situation, and place the policy with whichever one wins. If your needs change, we can move you without you starting over with a new agency.

Online tools sell you a policy. We sell you a comparison and an advocate. You talk to a real person who knows the carriers' quirks (which one is generous on dog bites, which one is cheap on roofs, which one fights every claim), and we stay involved when things go wrong.

The carrier pays us a commission baked into the premium you'd pay anyway. Going through us costs the same as going direct, you get the comparison work and ongoing service for free.

Quote turnaround is 2 business hours during the week. After hours and weekends, expect a reply first thing the next business day. For active claims or urgent issues, we triage immediately.

Less than people think. We handle the carrier paperwork, sequence the start/stop dates so you're never uncovered, and take care of cancelling your old policy. Most clients are done in 20 minutes from the time we have the comparison ready.

Yes. Carriers refund unused premium when you cancel mid-term. If you paid in full for the year and cancel after 4 months, you'd get back roughly 8 months of premium (minus any short-rate cancellation fee, which most carriers have phased out).

Some will, some won't. If they do. That's a win, you saved money without moving. We'll tell you straight up when matching is realistic vs when the carrier's quoted you what they always could have, just to keep your business.

Every 2-3 years is healthy. Carriers re-rate every renewal and the same risk can be priced 20-30% differently across the market. We re-shop our existing clients automatically as renewals approach.

Depends on the size relative to your deductible, the type of claim, and your carrier's posture on small losses. We'll talk through it before you file if you're not sure, it's part of what we're here for.

Comprehensive (theft, weather, glass) usually doesn't move rates. Collision and at-fault liability usually do, by 10-25% for 3 years on average. Carriers vary widely though, some are aggressive, some are forgiving.

Call us. We're independent, we work for you, not the carrier. We can escalate to a manager, request a different adjuster, or push back on a low offer. Roughly one in six claims gets a meaningful bump after we step in.

Our /claims page has the claim hotline + portal for every carrier we work with, available 24/7.

We can't recommend specific limits without seeing your full picture, but the rule of thumb is: at minimum, cover your net worth so a lawsuit can't take more than your insurance has. For most Kansas City households. That's $300-500K on auto/home and a $1-2M umbrella stacked on top. We'll walk through your specific situation when we quote.

It's an extra layer of liability on top of your auto and home, typically a million dollars at $200-400/yr. Worth it if you have meaningful assets, a teen driver, a pool, a dog, or anyone in the household who'd be a target for a lawsuit. General information, not personalized advice, we'll evaluate your specific situation when we talk.

Homeowners policies cover replacement cost, what it'd cost to rebuild from zero, not market value. That includes labor, materials, and code upgrades, which often run higher than the purchase price (especially in older homes).

Yes. GL, property, commercial auto, workers comp, BOP, professional liability. About a third of our book is commercial. We're particularly strong with construction, trades, restaurants, and small professional offices.

No, and it can't, by design. The chatbot can explain how umbrella works in general, point you to a relevant blog post, look up a carrier's claim phone, or schedule a callback. It can't quote you, evaluate your existing policy, or tell you what to buy. That's our team's job.

It goes into encrypted storage on Cloudflare R2 and stays there until your quote is finalized or you tell us to delete it. We use it to pre-fill your quote form so you don't retype 40 fields. We don't share it with carriers we didn't quote with.

Submission data lives in Cloudflare KV (encrypted at rest), uploaded files in Cloudflare R2 (encrypted at rest), and our internal CRM (US-based, SOC 2 audited). We don't sell or share your data with third parties for marketing.