Don't wait for a claim to find out you bought the wrong insurance from the wrong company!
There's a New Solution
Tailored coverage solutions to safeguard your assets, and business growth.
The Problem with
"Off The Shelf" Insurance...
Your policy is just a contract. Like any contract, the seller and the buyer have different goals. The insurance company's goal is profit.
Off the shelf is often more beneficial to the seller and less so for the buyer.
Customizing your policy to fit you does not mean
Over Paying
✅ Know Your Risk
✅ Insure for YOUR Risks Not for Their Profit
✅ Know Who Plays Fair and Choose Wisely
✅ Don't Accept Off the Shelf
✅ Make the Best Decisions FOR YOU
✅ Shop Brokers & Agents not Just Insurance Companies
Why are so many unhappy with their insurance?
No longer are polices the same from one carrier to another.
If you are calling multiple agents you are not really shopping around, you are getting less coverage.
Different Insurance Brokers sell for Different Insurance Companies But they don't tell you who they do not have.
Most brokers will tell you they sell for many insurance companies but fail to tell you only a handful are relevant to you.
Agents & Brokers are fiduciaries of the insurance companies they are appointed by, sell for.
Agents and brokers are agents for the carrier NOT for you.
They have you and the media and the government brainwashed with commercials that make you believe they have your back.
You are at a disadvantage with NOONE on YOUR SIDE!
Simplifying Your Insurance
One Time Setup - A Lifetime of Security
Setup your profile ONCE
Your information is stored in the same system the insurance companies, their agents and brokers use.
We share with you the most likely risks
We share with you how to reduce your risks
We share with you the company's reputation for claims based on those that work for them, other insureds, and others in the industry.
We show you the differences between the policies and share with you how that can affect a future claim.
This is not a course, you are not going to school, this is a guide... easy peasy guide.
You will know the truth, what counts, and how to get the policy that fits you from a fair company for a reasonable price.
You are no longer at a disadvantage !
Extensive Experience
Decades of knowledge not based on an agents lack of claim experience, but from an insurance claim insider's point of view with direct knowledge of how the coverages ACTUALLY play out in REAL LIFE. How the carriers ACTUALLY process claims... some in direct contrast to their commercials.
Tailored to You
Coverage tailored to fit your life, your home, your business, the risks specific to you... not Off The Shelf one size benefits the carrier, but the policy that best fits your risks and your budget.
Trusted Guidance
We are not appointed by any carriers though we are licensed. We are not fiduciaries of the carriers. We are the Middleman, the Middle-woman, the Middle-people. We bring what no one else does, we are the purveyor of truth and best practices, fair dealings.
Multi-State Support
Helping insureds across several states.
We are constantly adding agents and brokers. Build your profile now, it's free and as profiles are completed, it triggers more and more participation from brokers & agents.
Valuable Insight
The guide has been in use for decades though it has never been offered direct to the public before.
We are creating methods to bring you the information including short informative videos and direct answers when you ask.
Insider Access
We are in the process of creating policy comparisons to show you how some insurance companies have changed the policies they sell you yet avoid telling you what they did.
We are in the process of creating a delivery method so we can share ways for you to reduce your risk. When you have lower risk you are a higher value and you pay less for your insurance.
There is so much more. Don't wait for your renewal, sign up today and we will notify you of the next steps.
Intro Video
How it works
You setup your profile by following the steps we provide. You answer questions and once the profile is complete it will work for you from now until the end of time. You edit the profile if and when something changes, new car, improvement to your property, when you have reduced risks, etc.
Our Guide provides the info you need when you need it.
Insurefect facilitates the insurance policy shopping process by requesting quotes from multiple brokers and agents before each renewal and when you make a change like adding a car or a camper, etc..
Even if you could, do you really want to do this yourself?
Protection for Your Home, Vehicle, and Everything in Between
Life is full of surprises—but your insurance doesn’t have to be. Whether you’re a homeowner, renter, or on the road, we help you understand your coverage needs and connect you with trusted providers who can protect what matters most.
You shouldn’t have to guess what’s covered—or pay more than you need to. We're here to make sure you get reliable protection without the overwhelm.
Home Insurance
Clear guidance to help you secure coverage for your biggest investment.
Auto & Gig Insurance
Helping you stay safe on the road with the right vehicle coverage.
Umbrella Insurance
Extra liability protection for added peace of mind—just in case.
Condo Insurance
Support in finding tailored protection for condo living and ownership.
Motorcycle & RV Insurance
From motorcycles to ATVs, we’ll help you find the right protection for the ride.
Renters Insurance
Get peace of mind knowing your belongings and liability are covered.
Business Insurance
Small business to large
Commercial Auto Insurance
Business to Fleet
Commercial Insurance
Insurance is an important to your bottom-line.
The Setup Takes Time
The Payoff Doesn't
Whether you're protecting your livelihood, your assets, or your peace of mind, having the right insurance matters. We guide business owners, professionals, and property holders toward clear, reliable coverage that fits both life and work.
From liability and commercial property to personal protection and team benefits, we help you navigate your options and connect with trusted providers—so you can move forward with confidence, not confusion.
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