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, and 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.
the average score our clients gave us, across 312 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 with a name and a desk on Harbor Street.
Already with us
Adding a car or changing a policy, and certificates too. 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 in one wallet, and one person who answers.
Each line has its own card, with a carrier shortlist and a quote path of its own, so your house never quietly subsidises your truck.
Home & property
The house and everything inside it, plus the deck you added.
Business
Shopfronts, trades, contractors and the van they roll in.
Forty carriers from one conversation.
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.
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 who picks up the phone
Insurance is a chore, so we're the neighbours who do the chore for you. We answer our own phones, under our own names, in the town we live in.
- Your call goes to a desk on Harbor Street, and a person picks it up.
- A human answers within four business hours, or we call to say why.
- We re-shop a renewal across the market before it renews itself.
When it goes wrong
The claim is the product. Here's ours.
Call the claims line first
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 DETAILWe chase the adjusters and the evidence and keep to the timelines, 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, and you'll get a number priced for a stranger. Proper cover needs ten minutes of real facts, like the wood heater and the home office, or 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 are better.
What does independent actually mean?
We don't work for a carrier. We hold appointments with 40 of them, so when your rate jumps at renewal we move your file and you stay put.
What happens when I claim?
You call Priya on the claims line. She opens the file and runs the paperwork, then she chases the adjuster. You already paid for that service, and 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.