Your house. Your cars. The truck you maybe shouldn't have bought but absolutely love. The motorcycle everyone else thinks is a phase. The boat that only comes out twice a year but is completely worth it. We cover all of it — and we do it without the 45-minute hold music or the confusing 87-page policy document. Well, the document still exists. But we explain it.
Your stuff. Your life. Actually covered.Hover over anything you own. (Or just scroll — we see you on mobile.) Every single one of these is something we can cover, usually in a single conversation. Some of them we can bind today.
This is not an exhaustive list. Tree houses. Tiny homes. Classic cars that are technically an investment but mostly a hobby. Vacation rentals. Storage units. Wedding rings. Heirlooms. Snowmobiles. Personal watercraft. If it exists and matters to you, it's probably insurable. Just ask.
Placing multiple policies with the same carrier — or with us as your single agent — typically unlocks multi-policy discounts that add up fast. Toggle what you have and see the savings range.
Seven coverage categories. Click any one to see what's actually in it, what most people get wrong about it, and what to ask before you renew. No insurance-speak. We promise.
Homeowners insurance is everyone's most important personal policy and the one most people think about the least between the day they buy it and the day they need it. It covers your dwelling (the physical structure), other structures (detached garage, fence, shed), your personal property, additional living expenses if you can't live there after a covered loss, and personal liability for injuries that happen on your property.
The number one homeowners problem: limits that haven't kept up with construction costs. Labor and materials have increased 30–40% since 2020. Your 2019 policy limit will not rebuild your 2026 home. We run replacement cost estimates at every review so you're not guessing.
Homeowners policies exclude flood damage and earthquake damage. Period. Not kind of excluded. Completely excluded. If you're in a flood zone — or even if you think you're not — you need a separate flood policy. Same for earthquake in Montana and parts of North Carolina. Do not assume. Check your policy.
Sources: III.org Homeowners Statistics ↗
Auto insurance has more moving parts than most people realize. Liability covers the other person when you're at fault. Collision covers your vehicle when you hit something. Comprehensive covers your vehicle when something hits it, steals it, or a deer runs into it. And uninsured/underinsured motorist covers you when the person who caused the accident doesn't have insurance — which, given that 1 in 8 drivers on the road right now is uninsured, is not a hypothetical.
State minimum auto liability limits are designed to let you drive legally — not to actually protect you after a serious accident. $25,000 in liability coverage sounds like a lot until you're in an accident that sends someone to the hospital. Medical bills alone can exceed state minimum limits. We'll show you what adequate coverage actually looks like for your situation.
Sources: III.org Uninsured Motorists ↗
Renters insurance is the most underutilized personal coverage that exists — and it's usually $15 to $30 a month. If you rent and you don't have it, you own a significant amount of stuff that would be completely gone if your apartment burned down tomorrow, and you would have no coverage if someone got hurt in your unit and sued you. Your landlord's insurance covers the building. Not your belongings. Not you.
We genuinely can't figure out why more renters don't have this. It's not expensive. It's not complicated. The only real answer is that nobody told them they needed it. So: you need it.
This surprises more people than it should. The building is covered. Your laptop, your furniture, your wardrobe, your gaming setup — none of that is covered under your landlord's policy. And if your neighbor's kitchen fire spreads into your unit, your landlord's carrier isn't cutting you a check. Renters insurance is.
A personal umbrella policy adds $1 million or more of liability coverage above your homeowners and auto policies — for usually $150 to $300 per year. It's the most cost-effective personal insurance you can buy, and the most commonly skipped by people who would benefit most from it.
You need a personal umbrella if you have teenagers driving. If you have a swimming pool, hot tub, or trampoline. If you have a dog. If you have significant personal assets to protect. If you coach youth sports, serve on a board, or host parties. If you're a public figure, business owner, or anyone who is a visible target in your community. In short: if you have anything to lose, an umbrella is not optional.
Sources: III.org Umbrella Insurance ↗
Your auto policy does not cover your motorcycle. Your homeowners policy does not cover your boat. Your RV needs its own policy whether it's a motorhome or a towable. Your ATV, side-by-side, golf cart, and snowmobile all have their own coverage category. We know this seems like a lot. The good news is that most of these policies are inexpensive, especially bundled together — and we can usually handle all of them in a single conversation.
Most homeowners policies include a small amount of off-premises personal property coverage — meaning your belongings are covered if stolen from your car, for example. But this typically does NOT extend to scheduled vehicles, watercraft over a certain horsepower, or recreational vehicles being operated. Don't assume. Check your policy. Then call us.
Your homeowners policy covers personal property — but it puts sub-limits on specific categories. Jewelry is typically capped at $1,000–$2,500 for theft. Firearms often $2,000. Fine art, cameras, musical instruments, coin collections — all have sublimits that may be dramatically lower than the actual value of what you own. Scheduling your valuables individually removes those sublimits and typically also removes the deductible for those specific items.
The engagement ring that cost $8,000 is insured for $1,500 under your standard homeowners if it's not scheduled. The camera gear that cost $4,000 might be insured for $2,000. That gap is the conversation we need to have.
Two of the most common causes of catastrophic home loss are both excluded from standard homeowners insurance. Flood insurance and earthquake coverage each require their own separate policy.
Flood: available through the National Flood Insurance Program (NFIP) or private flood insurers. Many homeowners in moderate-risk zones aren't required to carry it by their lender — and don't, until they need it. Over 20% of flood claims come from areas outside high-risk flood zones. Montana, Minnesota, North Carolina, and Florida all have significant flood exposure outside designated flood zones.
Earthquake: particularly relevant for Montana, which sits along active seismic zones. Less common in most of our other states, but available for homeowners who want the coverage.
NFIP flood policies have a mandatory 30-day waiting period before coverage goes into effect — with limited exceptions. You cannot buy flood insurance when a storm is already approaching. If you don't have it now and you're wondering whether you need it, the answer is to find out today, not in late spring when the weather starts.
Sources: FEMA FloodSmart ↗
New policy, policy review, adding something you just bought, or finally getting renters insurance after reading the section above. Whatever it is, tell us what you've got and we'll come back with options.
We'll be in touch fast — usually same day. We don't sell your info. We don't even like doing that kind of thing.
Important Notice
Submitting this form does not bind, confirm, alter, or create any insurance coverage. No coverage of any kind exists until a policy has been formally issued by a licensed carrier and you have received written confirmation. This form is for inquiry purposes only.
By submitting this form you agree that Bradley Insurance Solutions, LLC may contact you regarding your insurance inquiry. Your information is kept confidential and is never sold to third parties.
Coverage availability, premiums, and terms are subject to carrier underwriting, your specific risk profile, and applicable state regulations. All coverage decisions should be made in consultation with a licensed insurance professional. Bradley Insurance Solutions, LLC is a licensed independent insurance agency. License information available upon request.
We'll be in touch faster than you'd expect.
In the meantime — yes, we're already excited to help. And yes, the truck was a great call. If it's urgent, call us directly at (319) 529-3778.
Submitting this form does not bind any insurance coverage. Nothing is covered until a policy has been formally issued by a licensed carrier and you've received written confirmation. If you have an immediate coverage need or a situation that can't wait, please call us at (319) 529-3778 — we'll tell you exactly where you stand and what your options are. No coverage, no contract, no policy exists based on this inquiry alone. We just want to be really clear about that so there are no surprises.
Nobody ever plans for the plot twist... but we do.
If you haven't reviewed your personal coverage in the last 3 years, there's a reasonable chance your limits are wrong, you're missing something, or you're overpaying for something you don't need. A policy review costs nothing. Finding out at claim time costs everything.
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