Frequently Asked Questions

Melo is the Greek pronunciation for the root word of “careth” – as in cast all your cares on Him because he “careth” for you.

We constantly seek new opportunities with companies that offer the best service and competitive pricing. Currently we can write home/auto policies with Travelers, The Hartford, Nationwide, Liberty Mutual/SafeCo, Chubb, MetLife, Allstate, Hanover, and many others.

All are not lower. Some will be lower and our state-of-the-art software will allow us to match up your specific circumstance with the company that will provide you the best value.

Captive agent companies spend millions of dollars on advertising. Most of our companies will spend a fraction of that on advertising. The question you should ask every time you see the Farmers Golf Open or the Allstate Sugar Bowl: Who’s paying for that? Some insiders estimate that State Farm pays Aaron Rodgers and Patrick Mahomes $5-$10 MILLION per year. And State Farm cannot even insure them. They just pay them for brand awareness and then recoup those millions from their policy holders.

One company on our list that you have probably never heard of is Hanover. Established in the 1850’s, they boast one of the richest heritages of any insurance company. In 2019 they also boasted one of the strongest financial ratings in the insurance industry: AM Best (A), S&P (A), Moody’s (A2)

No – you do not have to wait. You can start saving NOW, and we will help you get your refund from your existing insurance company.

There is no catch. Unlike captive agents, we have access to multiple companies. We can search out a solution that best meets your needs and then pass along savings directly to you.

Yes – insurance companies will sometimes introduce new products. Unless your agent is proactively checking these for you (most are not!), you could still benefit by calling us.

It should take less than 15 minutes of your time. A lot more time is involved on our side as we search out the best option. It is best to start ASAP – so call today!

Absolutely. This will not affect the quote. We will handle the paperwork to make sure your mortgage company is aware of the insurance change.