What information do I need to get a quote?

For personal insurance, we'll ask about your property, vehicles, and household. For business coverage, we'll need details about your operations, employees, and assets. Don't worry—we'll guide you through it step by step.

Can I bundle my home and auto insurance?

Yes. Bundling your home and auto policies often saves money and simplifies your coverage. We'll show you what bundling looks like with different carriers and help you decide if it makes sense for your situation.

Do I need landlord insurance if I rent out a property?

Yes. Your standard homeowner's policy doesn't cover rental activity. Landlord insurance protects your property, rental income, and liability when you rent to tenants—whether it's a house, condo, or part of your home.

What is umbrella insurance?

Umbrella insurance adds an extra layer of liability protection beyond your home and auto policies. It kicks in if you're sued for damages that exceed your other coverage limits. It's especially useful if you have significant assets to protect.

What's the difference between general liability and a BOP?

General liability covers your business if someone is injured or their property is damaged because of your operations. A Business Owner's Policy (BOP) bundles general liability with property coverage for your building, equipment, and inventory. Many small businesses start with a BOP for simplicity.

Do I need commercial auto insurance?

If you use a vehicle for business purposes—deliveries, sales calls, hauling equipment—you likely need commercial auto insurance. Personal auto policies typically don't cover business use. We'll help you understand what qualifies.

Will you help me if I need to file a claim?

Absolutely. We'll walk you through the claims process, help you gather documentation, and advocate on your behalf with the carrier. You're not on your own.

How often should I review my coverage?

We recommend reviewing your policies annually or whenever you have a major life change—buying a home, starting a business, hiring employees, or growing your family. We'll check in with you proactively to make sure your coverage still fits.

Simple coverage. Real advice.

Protect your nest.

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Personal, business, life & health coverage in Arizona, Oklahoma, and Oregon .

Independent agency

Multiple carrier options

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About Our Agency

Protect your nest with clear coverage and real relationships.

Insurance shouldn’t feel overwhelming. We help families, individuals, and businesses find coverage that actually fits—with honest guidance, simple explanations, and real support beyond the policy. We take the time to understand what you’re protecting, walk through your options, and build a plan you can feel confident in.

Relationship-first service with clear, consistent communication

Well-rounded coverage across home, rentals, business, and life & health

Proactive reviews so your protection keeps up as life changes

Friendly support and practical recommendations

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Meet Your Trusted Advisors

Real people. Honest conversations. Smart coverage options tailored to your family, business, and future.

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Ben Schwarz

Owner, Insurance Agent

Ben specializes in homeowners and landlord coverage, plus full insurance packages for trade contractors and service businesses—general liability, commercial auto, workers’ comp, and more. He’s straightforward, relationship-driven, and focused on protecting what matters without making it complicated.

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Nicole Schwarz

Owner, Insurance Agent

Nicole is a licensed insurance agent with 10+ years of experience helping families and business owners protect what matters most. She works across personal and commercial insurance and also brings a strong background in life and health coverage—making it easier to build a complete protection plan without the overwhelm.