We shop 20+ carriers to get you the lowest rate on auto, home, life, and business insurance. Local agents who know New York.
Expert insurance services you can count on. Transparent pricing, guaranteed workmanship.
NY state minimum or full coverage. We find rates 20–40% lower than going direct.
Protect your home or apartment with the right coverage at the right price.
General liability, BOP, workers' comp, and professional liability.
Term, whole life, and IUL. Free needs analysis included.
Individual, family, and small business plans. ACA marketplace experts.
DUI, suspended license, or multiple violations? We have options.
Real reviews from real neighbors. 241 reviews, 4.9 stars average.
"Was paying $280/month for car insurance. They found me the same coverage for $164/month. Saved me $1,400 a year in 20 minutes. Incredible."
"Got renters insurance AND life insurance here. Both were cheaper than I expected, and the agent explained everything without pushing me to buy more than I need."
"Got my restaurant insured here. They found a BOP policy that covered everything I needed. Professional, fast, and the price was fair. Will refer everyone."
We cover Harlem and all surrounding communities.
As an independent agency, we're not tied to one company. We submit your info to 20+ carriers simultaneously and present you with the best 3–5 options. Direct carriers only show you their own rates.
NY requires 25/50/10 bodily injury and property damage liability, plus $50K PIP. However, these minimums often leave you exposed — we'll show you what comprehensive protection costs.
Yes. We specialize in small business coverage for retail, restaurants, contractors, and service businesses in Harlem and upper Manhattan. Most BOP policies start at $80/month.