Property first
Property use changes the insurance conversation.
Owner-occupied homes, rental property, vacant or renovating property and flood coverage do not begin with the same questions. Start with the property address, occupancy, timing and the change that prompted you to shop.
Auto
Auto insurance starts with the drivers, vehicles and current policy.
Share who drives, what is insured, whether coverage is active, the renewal date and what you want to improve or understand. The goal is to compare available options without stripping the decision down to price alone.
Business
Business coverage should follow the requirement.
Contracts, employees, business vehicles, premises and liability requirements create different insurance needs. Start with the immediate requirement so the agent can route the request toward general liability, BOP, workers’ compensation, commercial auto, property or another commercial path.