We have pretty complicated insurance needs...a primary home, 2 rental properties, vehicles (both regular and classic), off-road vehicles, umbrellas, and then some; and they are able to identify what we need, why we need it, and how to best provide us with great coverage! We switched over from another insurance company because these guys are local, approachable, and have a lot of experience. They also care about what's "new" in our lives and have us increase or decrease our insurance needs based on changes! They'll have to retire before I ever switch insurance companies!!