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Thoughtful protection for what truly matters
Insurance isn't about buying a policy. It's about understanding risk - and making informed decisions with confidence.
How We Work
We don’t start with quotes.
We start with listening.
We take the time to understand your situation, risks, and long-term goals.
Then we compare options across carriers —
and recommend coverage we would confidently choose ourselves.
Red Owl Insurance Service
Home Insurance
For primary homes, rental properties, and vacant or renovated residences.
Protecting what you’ve built — your home, your assets, and your peace of mind.
Commercial Insurance
Designed for small and mid-sized businesses, properties, warehouses, and restaurants.
Helping businesses manage risk thoughtfully — so coverage supports growth, not just compliance.
Auto Insurance
Coverage for personal and commercial vehicles.
Focused on protection that fits your life — not just the lowest price.
Flood Insurance
Coverage for residential and commercial properties.
Addressing risks that standard policies often overlook — before they become costly surprises.
Umbrella Insurance
Additional liability protection for higher-risk situations.
An extra layer of coverage when your exposure goes beyond the basics.
Why Choose Red Owl？
1
How We Work
Thoughtful. Clear. Consistent.
We take the time to understand your situation and potential risks. We explain key coverage differences before decisions are made. And we stay involved after a policy is issued — without pressure or shortcuts.
This is how we build long-term relationships.
2
Our Standards
No shortcuts. No noise.
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We don’t trade protection for a cheaper price
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We don’t use jargon to sound “professional”
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We don’t recommend coverage we wouldn’t choose ourselves
Our responsibility doesn’t end at binding.
3
Claims Support
You’re not on your own.
When a claim happens, we don’t disappear.
We help you understand what’s happening, what’s needed, and what to expect —so you’re never navigating the process alone.
4
Who We’re Not a Fit For
And that’s okay — clarity matters.
If your only goal is the lowest price as quickly as possible —without understanding whether the coverage truly fits —we may not be the right fit.
We work best with clients who value clarity and long-term protection.
This is the Red Owl way.
If you're looking for someone on your side
someone who takes the time to explain risk clearly,
so you can make confident decisions.