Your agent should be a true adviser.
That old-fashioned idea built this agency: more than 20,000 customers served across 42 states, rated 4.9 out of 5 across 1,800+ Google reviews, with 50+ carriers competing for every policy we write. Behind each number is a licensed agent who answers the phone and knows your whole picture.
No menu. No hold queue. If we’re helping someone else, we call you back the same day.
Or request a quote onlineSix things we do on every single policy.
Low Pricing
We partner with more than fifty carriers so they compete for your business. You see the results side by side, and you keep the difference.
Multiple Quotes, Better Options
One conversation, many markets. We quote every policy across our carrier lineup at matching coverage, so the cheapest number is a real answer.
Coverage That Fits
A program built for what you actually own, whether that’s a custom home, three vehicles, a boat at the lake, or all of the above.
Fair & Reliable
We push for settlement terms that replace what you lost with property of comparable quality, and we tell you plainly when a cheaper policy wouldn’t.
Here When You Need It
Theft, storm, fire, or a fender-bender in the grocery lot: you call your agent, not a national claims line, and we work it with you.
A Person, Every Time
Quotes, changes, renewals, claims. Same agent, same direct line, year after year. Our reviews mention our people by name for a reason.
Why we still do it the old way
Somewhere along the way, insurance companies decided you’d rather talk to an app. We never got that memo, and we’re not asking for a copy.
We’re advisers, not order-takers. Anyone can read you a quote; our job is to understand what you actually have, your home and how it’s built, your cars, your boat, the ring in the drawer, the barn that went up last spring, and then tell you the truth about how to protect it. People don’t want insurance. They want a person who knows their whole picture, gives them straight answers about what it costs to protect, and picks up the phone when something goes wrong. That’s the agency we run, for every kind of personal insurance there is.
We’re independent, which means we work for you and not for any one insurance company. We quote your coverage across more than fifty carriers and tell you plainly which one we’d pick if it were our house and our money. And here’s something that surprises people: often the honest answer is that your current carrier is still your best value. When it is, we say so, and then we earn the conversation anyway, by showing you what should be adjusted on the policy you already have. We’ve done it plenty, and nobody here has ever been sorry about it.
With respect, The NMH Insurance Agency team
Often your current carrier is still your best value. Here’s what we fix anyway.
A quote-machine can only tell you a price. An adviser reads the policy behind the price. When we review a household’s coverage, we regularly find the carrier is right and the policy is wrong, and those are the most valuable twenty minutes we spend. A few of the adjustments we make most often:
The ring on the wrong policy
Jewelry scheduled on a homeowners policy often belongs on a standalone personal articles floater instead: broader coverage, typically no deductible, and a claim doesn’t land on your home policy’s record. Same ring, better protection, often for less.
The custom home priced as builder-grade
Reconstruction estimates default to standard materials. If your home has custom cabinetry, stone, millwork, or high-end finishes, a builder-grade dwelling limit will not rebuild it. We correct the grade so the number matches the house that’s actually standing.
The barn the policy never met
Other-structures coverage defaults to a percentage of your dwelling limit, set the day the policy was written. Build a barn, a shop, or an ADU afterward and the coverage is now quietly short. We audit what’s standing against what’s covered and true it up.
None of these adjustments require leaving your carrier. That’s the point of working with advisers instead of salespeople: when the market says stay, we tune what you have. When the market says move, we move you. Either way, you know your coverage matches your life.
Read our reviews and you’ll notice something: they’re about people, not policies.
We’ve served more than 20,000 customers over the years, and they mention our agents by name because they know their agent’s name. This is our licensed team, in alphabetical order. We don’t bother much with titles; anyone here can actually help you.
Adrian Aguilar
Alexis Watts
Bruce Gorr
Chase Piper
Chris Carr
Dane Everts
Ian McCreadie
Jenn Sloboda
Rob Haley
Robert White
When you become a customer, one of these people becomes your agent. Quotes, changes, renewals, and the day you actually need us: same person. You won’t start over with a stranger every time you call. And behind them is a full in-house staff, from accounting to development to creative, who keep the agency running so the licensed team can keep answering the phone.
If you can park it, float it, or live in it, we can probably cover it.
Personal lines coverage of nearly every kind, quoted across 50+ carriers by one agent who knows your whole picture.
Auto
Quoted across national and regional carriers at matching coverage, so the cheapest number is a real answer. We’ll tell you when a low quote got low by cutting corners.
Request an auto quote »Homeowners
Coverage that would actually rebuild your house at today’s costs. Fair warning: that’s a bigger number than most people are carrying.
Request a homeowners quote »Umbrella & Personal Liability
A million dollars of protection over everything you own, typically for a few hundred a year. The most underused coverage in personal insurance, and the one true advisers bring up first.
How umbrellas work »Boat, RV & Travel Trailer
The toys deserve real coverage too, and the carriers that price them well change year to year. We keep track so you don’t have to.
Request a quote »Motorcycle & Golf Cart
From daily riders to park runabouts, insured properly and often for less than you’d guess, especially bundled with your other policies.
Request a quote »Term Life
Simple, affordable protection for the people who count on you. We’ll help you size the coverage honestly, and we won’t sell you more than you need.
Request a term life quote »Also on our shelf
Don’t see yours? Call us anyway. If it’s a personal lines product, odds are good we have a market for it: 800.388.6780.
We bring the market to you.
More than fifty carriers compete for your policy. These are some of them.
Carrier availability varies by state and product.
4.9 out of 5 across 1,800+ Google reviews, and most of them name the agent.
Very responsive, knowledgeable and great rates. So glad we found them”
They were super thorough and friendly. I highly recommend!”
Forty-two states, one phone number.
From Arizona to Wisconsin, our licensed agents write coverage in 42 states. Wherever you are, you get the same thing: a person who picks up, quotes across the market, and stays your agent for the life of the policy.
See if we cover your state
Things people ask us on the phone
How do you get paid?
Carriers pay us a commission when we place your policy, and it’s roughly the same across companies, so we have no reason to steer you. You never pay us a fee, and the price you get through us is the same as going to the carrier directly. The advice is the free part.
If I request a quote, will my phone blow up?
No. We are not a lead aggregator, and your information never leaves this agency. One quote request gets you one agent, not fifty calls from companies you’ve never heard of. That business model exists; it just isn’t ours.
Are you a call center?
No. We’re a real agency with real licensed agents. The person who quotes your policy is the person who answers when you call back in March, and the person you’ll talk to if you ever have a claim. We’ve served more than 20,000 customers this way, and it’s why they come back.
You represent more than fifty carriers. Whose side are you on?
Yours. That’s what independent means. No carrier owns us, so we have no reason to push one company’s product. We show you the quotes, tell you which one we’d buy, and get paid roughly the same either way. If your current policy is the best deal, we’ll say so, and then we’ll usually still hand you a short list of adjustments worth making to it.
What if my current carrier is already my best option?
Then we’ll tell you exactly that, and the review still pays for itself. Most policies we read have something worth adjusting: jewelry that belongs on a standalone floater instead of the home policy, a custom home insured at builder-grade reconstruction costs, other-structures coverage that never heard about the barn or the ADU. Keeping your carrier and fixing your policy is one of our most common recommendations.
Why is there a separate site for mobile home insurance?
Because manufactured housing runs on different policy forms, different carriers, and different underwriting, we route it to a dedicated sister agency, National Mobile Home Insurance, so the advisers here stay focused on your whole personal lines picture. Same team standards, same phone number.
Do I have to do this online?
Not at all. The forms are here for people who like forms. Everyone else calls 800.388.6780 and does the whole thing in one conversation, which is honestly how most of our customers prefer it.
What states are you in?
Forty-two and counting. Call and we’ll tell you in about ten seconds whether we can help where you live.
Things we find ourselves explaining on the phone, written down.
No content-mill filler. These are the questions our agents actually get, answered the way we answer them.
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Home warranty vs. homeowners insurance: what each one actually pays for
The claim that gets denied most often is the one filed with the wrong product.
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No claims, no tickets. So why did your renewal go up?
The phone call we get most in renewal season, answered without the hold music.
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The five coverage gaps we find most often
None of them exotic. All of them closable, usually cheaply.
Tell us what you’ve got. We’ll tell you what we’d do.
Ten minutes on the phone with someone who does this all day. No obligation, and the worst case is finding out you already have a good deal, which is worth knowing too.
Rather type than talk? Request a quote online and an agent, a specific one with a name, will get back to you.
Your information stays here. We never sell your details, and requesting a quote will not get you fifty phone calls.