Wizdom is the best passenger

Accidents happen to even the most careful drivers. The best protection starts with having an team that will evaluate your needs, help you understand the options available to you, and then match you with the right coverage at a competitive price.

We work with you to ensure that you have appropriate protection regarding: 

-Liability limits
-Deductibles
-Replacement cost options for your vehicle or classic car
-Uninsured and underinsured motorist coverage
-Agreed value coverage
-Worldwide liability coverage
-Electronic equipment
-Full glass coverage
-Towing and labor

Get ready to set sail with peace of mind.

Ensure your boat is fully protected from dock to open water with the right insurance coverage. Boat insurance shields you from various risks, including damages to your vessel and injuries to you or others due to negligence. Whether you have a small fishing boat or a luxurious mega-yacht, we'll tailor your coverage to meet your specific needs.

Tailored Coverage for Vintage Vehicles

Restoring an antique or classic vehicle is a labor of love, but it also comes with risks. Classic car insurance provides specialized coverage tailored to the unique needs of vintage automobiles. From limited usage to seasonal storage and specific valuation methods, ensure your cherished vehicle is fully protected against loss or damage, preserving its value and your peace of mind.

Ensure full protection for your unit and upgrades.

Avoid coverage gaps by understanding your association's policy and securing appropriate insurance for your property improvements. Our tailored insurance solutions provide comprehensive coverage for your unique needs, including loss assessment, personal property, and liability protection. Keep your policies up to date to safeguard against unforeseen events and changes in your circumstances.

You never know what can happen. Disability Insurance is here with the hope you never have to use it, but the gratitude you have when its needed so you can can focus on your health and recovery instead of paying the bills.

Prepare for the Unexpected

Earthquakes pose a significant threat to your home and community, and even minor tremors can result in substantial property damage. Standard homeowner's insurance often lacks coverage for earthquake-related losses, leaving you vulnerable. Wizdom One provides tailored earthquake insurance solutions to protect your home, belongings, and family, offering peace of mind before and after seismic events.

Safeguard Your Home from Rising Waters

With 90% of natural disasters nationwide involving flooding, the risk is significant, even in non-flood-prone areas. Standard homeowner’s insurance typically excludes flood damage, leaving homeowners vulnerable to costly cleanup and rebuilding expenses. Ensure your home is protected with flood insurance, a vital safeguard for homeowners across North America.

Your home is likely the largest purchase you’ll ever make. That’s why you need to protect your home against fire, floods, or other disasters.

When something happens to your home or your family’s possessions, the distress can be overwhelming. The last thing you want to worry about is how you’ll replace what’s been lost.

Many homeowner’s insurance policies don’t provide adequate coverage in the event of a complete loss. You want to be sure that your policy provides compensation for: 

-Reconstruction costs if your home is destroyed or seriously damaged 
-Living expenses (such as hotels and meals) if you are temporarily unable to live in your home due to a disaster
-Limited coverage for replacement of jewelry, art or other valuables if stolen, lost or destroyed (You may want to purchase additional coverage depending on the value of your possessions.)
-Liability coverage if you are sued for accidental injury or property damage (You may also want to supplement your liability coverage with personal umbrella insurance.)

Enhanced Coverage for Valuables

Standard homeowner’s insurance often falls short in adequately covering valuable possessions like jewelry, collectibles, and fine arts. With limited coverage and potential undervaluation, it's crucial to reassess your insurance needs regularly. Ensure your treasured items are adequately protected by considering factors like increasing metal values and frequent appraisal updates to reflect their true market worth.

Ensure your business and those you care about are provided for... they deserve it. 

Nearly 70% of people over the age of 64 will at some point need long term care that isn’t covered by standard medical insurance. For some, they will need this care all their lives. Whether they are paying for home health services, assisted living, or nursing homes, long term care insurance offers the protection of assets and control of future healthcare solutions that people deserve and desire.

Protecting the financial future you’ve spent a lifetime building.

One lawsuit can change everything

If someone is injured on your property, or because of an accident you caused, you’ll likely be held liable. And, what if the settlement or judgment costs you more than what your home or auto policy covers? How will you pay?

A Personal Umbrella policy provides extra liability protection by extending the limits of your auto, home or boat policies. Should you be named in a lawsuit, a personal umbrella policy will cover defense costs, attorney fees and other charges associated with a lawsuit that exceeds the limits of your basic policies.

Peace of Mind on the Go

Life's unpredictability can disrupt even the best-laid travel plans. From unforeseen family emergencies to medical crises during your trip, unexpected events can quickly derail your travel itinerary. With travel insurance, you gain flexibility and peace of mind, knowing that you're covered for unforeseen circumstances, allowing you to navigate through travel disruptions with confidence.