Questions, answered.

We work for you, not a carrier. We shop more than twenty companies, compare them line by line, and place you with the one that actually fits, then stay on your file at renewal and when a claim comes.

No. You pay the same carrier rate you would buying direct; our commission is already built into the policy. You just get an advocate for the same price.

More than twenty, from national names to regional specialists. Because we are not tied to one, we can move you when a carrier stops being the right fit. The full directory lives on our Carriers page.

The Kansas City metro, on both sides of the state line. We are licensed in Kansas and Missouri.

Yes. Auto, home, life, and umbrella on the personal side; general liability, BOP, workers' comp, commercial auto and more for your business, often bundled for a better rate.

Send us your current declarations pages. We review what you have, shop the market, and handle the paperwork to move you, including cancelling the old policy so you are never double-covered.

Start online in about three minutes, or call us at (913) 408-7280. Tell us a little about what you are insuring and we handle the carrier shopping from there.

Most personal quotes come back the same business day. Complex business accounts can take a day or two while we gather terms from each carrier.

Usually the market, not you. Carriers re-rate for inflation, local claims, and catastrophe losses. When it happens, we re-shop your policy to make sure you are still on the best option.

The basics about the person or property, your current coverage if you have it, and any prior claims. The more accurate it is, the more accurate your quote.

No. A quote uses a soft inquiry that does not affect your score. Many states let insurers use a credit-based insurance score, which is separate from a lender credit check.

Enough to rebuild your home, replace your vehicles, and protect your savings from a lawsuit. We size your limits to your real exposure, not a generic default.

It is what you pay out of pocket before coverage kicks in. A higher deductible lowers your premium but puts more risk on you. We will model a couple of options so you can choose.

Usually yes. Most carriers give a multi-policy discount and one company makes claims simpler, but we will check whether bundling or splitting actually saves you more.

If your assets are worth more than your liability limits, probably. An extra million in umbrella coverage is cheaper than most people expect and sits on top of your auto and home.

Floods and earthquakes are the big two; both need separate policies. Maintenance, wear and tear, and business use of a personal vehicle are common surprises too.

Yes, anytime. Send us the details and we will handle the endorsement with your carrier, usually the same day.

Call us first at (913) 408-7280. We route it to your carrier claims line, help you document it, and follow up the next business morning to make sure it is moving.

It can, depending on the claim type, who was at fault, and your history. We will tell you honestly whether a small claim is worth filing before you do.

We are your advocate, not the adjuster, but we stay on the file, push when things stall, and translate the insurance-speak until it is resolved.

Make sure everyone is safe, document everything with photos, and do not admit fault at the scene. Then call us and we will walk you through the next steps.

Directly to your carrier, by autopay, online, or by phone. We will point you to the right portal and can set up autopay with you.

Call us. We are your single point of contact and can usually sort it out faster than the carrier 800 number.

Just let us know and we will update it across every policy so nothing important slips past you.