Please reach us at paul@paullipps.com if you cannot find an answer to your question.
Rates and underwriting have changed dramatically in the last few years. The company that’s competitive for home might not be for auto — and vice versa. Bundling everything with one carrier can actually lead to higher premiums today. A modern strategy gives you more flexibility and better pricing.
I start with an umbrella that can sit over multiple carriers. This frees us to choose the best-value company for your home and the best-value company for your auto — instead of forcing everything into one bundle just to qualify for an umbrella.
In many cases, yes. Because we shop each policy independently, we can avoid overpaying for a line that doesn’t rate well with a particular carrier. It’s often more cost-effective than traditional single-carrier bundles.
Yes. Your umbrella ties everything together. I ensure your liability limits, deductibles, and coverage structures align properly so the policies function as one coordinated insurance plan.
You contact me first. I help you understand the process, communicate with the carrier, and stay by your side from start to finish. You never have to figure it out alone.
No. I handle all the comparisons, coordination, policy setup, and transitions. You simply choose the best option from the recommendations I provide.
Yes — just in different ways.
While some traditional bundle discounts may not apply, you gain savings by selecting the best-priced carrier for each policy. In many cases, this results in a lower total premium.
Because your plan is flexible, we can make adjustments without disrupting your entire insurance program. I shop the affected policy again and help you move to a better option when necessary.
Because insurance gets complicated fast.
With one agent:
You get the flexibility of many companies with the simplicity of one professional managing it for you.
