Step 1 of 4
Analyze your insurance needs
Tell us what you drive, where you live and who depends on you. We map the risks worth covering and point out the ones you can skip.
Cha Cha Cha
How ChaCha works
Four steps. One easy rhythm.
You tell us what matters. We do the legwork across the market, then keep an eye on things after you sign.
Step 2 of 4
Shop for your quote
We take your details to dozens of carriers and line the offers up side by side, so you see price and coverage together.
Step 3 of 4
Put your policy into place
Pick the option that fits. We handle the paperwork with the carrier and make sure your cover starts the day it should.
Step 4 of 4
Review and follow up
Life changes and so do rates. We check in at renewal and shop again whenever there is a better deal to be had.
01Vehicle
What you drive and ride
Auto
Liability, collision, comprehensive and more for the car you drive every day.
Liability
This is the piece that pays when a crash you cause hurts someone else, or damages what they own. It is the first thing we put on an auto quote.
Collision
This pays to repair or replace your car after it hits another vehicle or an object. We ask for it next to liability, so the two prices sit on the same page.
Comprehensive
Theft, hail, fire, and the other losses that are not a collision. Together, the three are what we mean by a full auto ask.
02Vehicle
What you drive and ride
Boat
Protection on the water for your boat, motor, trailer and passengers.
The boat
Cover for the boat itself, which is where a water quote starts.
Trailer
The motor and the trailer travel with the boat. We put both on the ask.
Passengers
The friends you bring along. Their cover is part of the same conversation.
03Home & property
Where you live and what is in it
Homeowners
Your building, your belongings and your liability, in one policy.
Building
The structure you live in. This is the piece a lender usually asks to see.
Belongings
The things in the house, quoted with the building rather than as an afterthought.
Liability
Your liability, in the same policy as the building and the belongings.
04Home & property
Where you live and what is in it
Renters
Your landlord insures the building. This covers everything you moved in.
Belongings
Furniture, clothes, and the rest of what you moved in. The building stays on your landlord's policy.
Liability
Your liability for the place you rent, asked separately from the building.
The gap
The landlord's policy stops at the building. This is the cover for your side of the door.
05Home & property
Where you live and what is in it
Condo
Fills the gap between your association's master policy and your unit.
Your unit
The interior that is yours, which a master policy often stops short of.
Master policy
We start by asking what the association already covers, so we do not quote it twice.
The gap
The space between their policy and your unit. That space is the reason this cover exists.
06Home & property
Where you live and what is in it
Flood
Standard home policies exclude flood. This is the cover that does not.
The water
Flood is not a line on a standard home policy. It is its own quote.
The exclusion
We show you the exclusion in plain words before we talk about price.
This policy
The policy written for the water. We shop it beside your home cover, not instead of it.
07Life & health
You and your family
Life
Term, whole and universal: what each one actually does, and who it suits.
Term
Protection that lasts for the years someone depends on your income. We say who it suits.
Whole
A permanent policy. We explain what you are paying for beyond the death benefit.
Universal
Cover that can change as the years do. We say what moves, and what it costs when it moves.
08Life & health
You and your family
Health
Plan types, networks and what changes your premium.
The plan
The type of plan. We name it before we price it.
The network
Where you can go. A lower premium is not a favor if your doctor sits outside it.
The premium
The pieces that change what you pay. We point at them instead of handing you a single number.
09Life & health
You and your family
Pet
Vet bills for accidents and illness, so the best care is never a hard call.
Accidents
Cover for an accident. The visit you did not plan.
Illness
Cover for illness, asked beside accidents so you can see the difference.
Vet bills
The point of the policy: the bill, so the best care is not a hard call at the counter.
10Liability & business
Extra protection and commercial cover
Umbrella
Extra liability that starts where your auto and home limits stop.
Extra liability
Liability that begins after the limits on the policies you already have.
Past auto
We look at your auto limits first. The umbrella is there for what those limits do not reach.
Past home
The same idea on the home side. One extra policy, sitting on top of both.
11Liability & business
Extra protection and commercial cover
Business
Property, liability, commercial auto and workers' comp for your business.
Property
The building, the stock, and the equipment the business depends on.
Liability
Liability for the business, asked as its own piece rather than borrowed from a home policy.
The operation
Commercial auto and workers' comp, for the vehicles you run and the people you employ.
11 kinds of cover.
Cars, homes, boats, families and businesses. One agency for all of it.
Independent vs captive
Not tied to any one insurance company.
A captive agent can only sell the policies of the company that employs them. We can go anywhere. Flip the switch to see what that changes.
You never pay us a fee. The insurer you choose pays our commission, and buying through us costs no more than going direct.
- Insurers to choose from
- One company's policies
- Who the agent works for
- The insurer they represent
- When your renewal price jumps
- Same company, same options
- Bundling home, auto and more
- Only inside one company
- When you file a claim
- You are on your own with the insurer
Questions people ask before they switch.
Still unsure? A five minute call usually clears it up.
Already a client? You can request service online.
We are not an insurance company. We are an independent agency, which means we compare policies from dozens of insurers for you. A captive agent can only sell the policies of the one company they work for.