Independent · Third generation · Est. 1962
Every policy you own,in one wallet.
We're the independent agency on Harbor Street. One conversation puts your home, cars, business and life cover in front of 40 carriers — then a Hartley walks you through the three quotes worth reading.
Ten minutes, on the phone or the form. A human answers within four business hours.
average across 312 client reviews
policies in force today
carriers shopped on every quote
years answering on Harbor Street
Where do you need to be?
New around here
Start a quote and meet your agent — a person, not a queue.
Already with us
Policy changes, new cars, certificates — call or email and it's done today.
Need to claim
Skip the carrier's hold music. Call the claims line and ask for Priya.
The Policy Wallet
Four cards. One wallet. One person who answers.
Every line gets its own card, its own carrier shortlist and its own quote path — so your house never quietly subsidises your truck.
Home & property
The house, the deck you added, the stuff inside it.
Business
Shopfronts, trades, contractors — and the van they roll in.
One conversation. Forty carriers.
A captive agent quotes you one company's price list. We put your file in front of the whole market and make the carriers compete for the household.
How buying actually works here
The ten-minute start
Tell us what you own and what worries you — on the form or over coffee. That's the whole job, for you.
We shop the market
Ellen and Marcus work your file across 40 carriers and come back with the three quotes worth reading, in plain English.
You pick. We handle the rest.
We place the cover, cancel the old policies and set the renewal reminder. You get a wallet, not homework.
No call centre
A neighbour with expertise, not a hold queue
Insurance is a chore. Fine — we're the neighbours who do the chore. Our own phones, our own names, our own town.
- Your call lands on a desk on Harbor Street — never a routing tree.
- A human answers within four business hours, or we call to say why.
- Every renewal is re-shopped across the market before it renews itself.
When it goes wrong
The claim is the product. Here's ours.
Call the claims line
TAP FOR THE DETAILPriya picks up, takes the facts once, and opens the file with your carrier the same day.
THE CLAIMS LINE · (555) 012-4063We fight the paperwork
TAP FOR THE DETAILAdjusters, evidence, timelines — we run the chase so you're not learning claims law at your kitchen table.
THE CLAIMS LINE · (555) 012-4063You get the cheque
TAP FOR THE DETAILWe track it to settlement, then re-shop your renewal so one bad year doesn't price you out.
THE CLAIMS LINE · (555) 012-4063Sixty-two claims guided to settlement last year.
What the town says
“The tree came through the sunroom on a Friday night. Priya had an adjuster out Monday and a cheque in eleven days.”
“Ellen re-shopped the bakery, the van and the house in one go. Same cover, $1,900 a year back in the till.”
“Called at 8:35 with a teenager and a brand-new licence. By lunch we had three quotes and none of them made me sit down.”
Fair questions, straight answers
Why can't I just get an instant price online?
You can — you'll get a number priced for a stranger. Proper cover needs ten minutes of real facts: the wood heater, the home office, the teenage driver. We gather them once, then 40 carriers price the real you.
Do I have to switch everything at once?
No. Most families start with one renewal. We re-shop each policy as it comes due and move a card into the wallet only when the numbers earn it.
What does independent actually mean?
We don't work for a carrier — we hold appointments with 40 of them. When your rate jumps at renewal, we move your file, not you.
What happens when I claim?
You call Priya on the claims line. She opens the file, runs the paperwork and chases the adjuster. You already paid for that service — we make sure you collect it.
Ten minutes now beats ten calls later.
Start the quote tonight. Ellen or Marcus calls back within four business hours with what 40 carriers had to say.