You've worked hard to get it, now let us work hard to protect it.
As an independent agency, we represent you, not the carriers. This means you get the absolute best policy for your unique scenario.
Modern insurance was born out of the idea that when you experience all of life’s milestones, like buying your first car, or your new home, or growing your family, you need a company that is by your side, protecting your financial and emotional investments. We have access to many different carriers so that we can offer both the lowest prices and the most comprehensive coverage. Personal, business and everything in between…we’ve got you covered.
What our clients say
“Our experience was outstanding”
“They found a policy within our budget”
“Friendly & Experienced Agents”
Let our insurance experts go over the policy options with you in detail. We can discuss the minimum required coverages as well as additional coverage that may be available to you. Often the deductible amount or coverage limits are adjusted to make the policy more affordable or to offer better coverage.
Most times yes! Many carriers will offer a discount for bundling all of your policies together, and the discount can be substantial. Having your policies at the same carrier, also make it less likely to have gaps in coverage.
Mistakes happen and some claims are not any fault of yours. We are able to look at the different carriers to find the one that meets your unique history and needs. That’s the beauty of being a broker. Many carriers will raise your rates even if it’s not your fault. It’s good to shop every few years to make sure you have best coverage.
An umbrella insurance policy works exactly as the name describes. The umbrella policy sits over the top of underlying insurance policies and provides an extra layer of liability insurance. In the case of a personal umbrella underlying policies would include auto insurance, homeowners insurance, boat insurance, rental property insurance, etc. If the limit of liability is used up on the underlying policy then the umbrella kicks in to provide additional coverage.