The carriers we work with — and why

AIG

High-net-worth personal lines and complex commercial risk

Founded: 1919 · A.M. Best: A

What AIG is known for

AIG is a global insurer. Its Private Client Group writes high-net-worth personal lines. AIG also has a long history of writing specialty and complex commercial risk outside the standard market.

Their Private Client offerings cover luxury homes, collector vehicles, fine art, jewelry, yachts, and other valuables under a single policy. Claims handling is tuned for high-value property, where standard adjusters can be a poor match.

On the commercial side, AIG writes a wide range of lines. The list includes multinational property and casualty programs, executive liability (D&O, E&O), cyber, and surety. They have worldwide claim staff for clients with cross-border operations.

Often a fit for

• High-net-worth households with substantial home, auto, and collection values
• Owners of fine art, jewelry, antiques, or valuable collections needing scheduled coverage
• Yacht, watercraft, and aviation insurance
• Complex commercial or specialty risks where standard markets decline

Lines available through Geneva

High-Value Home · Auto · Umbrella · Specialty · Marine · Commercial · Executive Liability

Why Geneva works with AIG

Some clients outgrow the standard market. Examples: a custom-built home, an inherited art collection, a fleet of classic cars. AIG is one of the carriers we work with that writes for those situations, with underwriting and claims handling built for high-value property. It isn't the right fit for every household. When it is, that's the call we help clients make.

Allstate

Household-name personal lines with multi-policy bundling

Founded: 1931 · A.M. Best: A+

What Allstate is known for

Allstate is a publicly held U.S. personal-lines insurer, known for auto, home, and renters coverage with discount programs, multi-policy bundling, and a recognizable national brand. Drivewise, their telematics program, factors recorded driving into pricing where it's offered.

The carrier writes a wide range of optional coverages — rideshare endorsement, identity theft, mechanical breakdown, sound system, accessory equipment — that let agents tailor a policy beyond the standard package.

Often a fit for

• Bundling home and auto for a single household
• Drivers interested in a telematics (usage-based) program
• Customers who value a household-name brand with broad agent presence
• Renters insurance bundled with auto

Lines available through Geneva

Auto · Home · Renters · Condo · Motorcycle · Life · Umbrella

Why Geneva works with Allstate

Allstate can fit the fully bundled household: two cars, a home, a teenage driver, maybe an umbrella. We bring Allstate into the quote comparison whenever the client profile fits, and we lay it side by side with the other carriers that fit — coverage, price, and service — so the client can see whether the bundle is the right fit for their situation.

Berkshire Hathaway

A++ (A.M. Best) financial strength; workers comp and small commercial specialist

Founded: 1970 · A.M. Best: A++

What Berkshire Hathaway is known for

Berkshire Hathaway Homestate Companies (BHHC) is the small-and-mid-market commercial arm of Berkshire Hathaway's insurance group. They carry A.M. Best's highest possible financial strength rating (A++).

The carrier focuses on workers' compensation, commercial auto, and small-account commercial property + liability. Their underwriting is centered on industries like construction, manufacturing, transportation, and healthcare services.

Financial strength matters most when a claim takes years to resolve — workers comp settlements, long-tail liability, large property losses. An A.M. Best rating is A.M. Best's opinion of an insurer's ability to meet those ongoing obligations.

Often a fit for

• Small-to-mid commercial workers' compensation
• Commercial auto fleets
• Construction, manufacturing, transportation, and skilled-trade operations
• Businesses prioritizing long-term carrier financial strength

Lines available through Geneva

Workers' Compensation · Commercial Auto · Commercial Property · General Liability

Why Geneva works with Berkshire Hathaway

For small businesses with workers comp exposure — contractors, landscapers, restaurants, healthcare offices — Berkshire Hathaway is often in our comparison, with rate, service, and financial strength weighed side by side against the other markets that fit. We use them frequently for clients who weigh carrier financial strength heavily, because a workers comp claim can stay open for years.

Chubb

High-value personal lines for affluent households, plus commercial specialty

Founded: 1882 · A.M. Best: A++

What Chubb is known for

Chubb is a publicly traded global property and casualty insurer with a long-standing high-net-worth personal-lines business.

Their Masterpiece policy is written for affluent homeowners. It includes guaranteed replacement cost, broad personal property coverage with worldwide scope, and claims handling Chubb describes as built around restoring the client's situation.

On the commercial side, Chubb writes professional liability, executive risk, cyber, marine, and specialty programs. Their clients range from mid-market firms to global enterprises. Chubb's A++ financial rating and 140-year history matter most for commercial buyers who care about carrier longevity.

Often a fit for

• Affluent households with $1M+ home value or substantial scheduled personal property
• Owners of collector cars, fine art, jewelry, antiques, wine cellars
• Clients who weigh claims service and coverage breadth as heavily as price
• Mid-market commercial requiring professional liability, executive risk, or cyber

Lines available through Geneva

High-Value Home · Auto · Umbrella · Boat · Specialty · Jewelry & Art · Cyber · Commercial

Why Geneva works with Chubb

When a client tells us claims service and coverage breadth matter as much to them as price, Chubb is one of the carriers we put in the comparison. How a claim is handled shapes the long-term client relationships Geneva is built around, so we walk through each carrier's claims approach alongside the price.

CNA

Commercial-focused with deep niche specializations

Founded: 1897 · A.M. Best: A

What CNA is known for

CNA is a U.S. commercial property and casualty insurer. They've been in business for 125+ years. CNA chose to focus on commercial lines and exited personal lines decades ago.

The carrier writes deep specialty programs for many industries. Examples include construction, healthcare, manufacturing, technology, life sciences, financial institutions, and professional services. Each has its own underwriters who know the specific risk profile.

Professional liability — both Errors & Omissions and Directors & Officers — is a CNA strength. They write E&O for thousands of professional firms in fields like architecture, engineering, accounting, technology, and consulting.

Often a fit for

• Mid-market commercial accounts in CNA's focus industries
• Professional services firms needing E&O coverage
• Healthcare practices, technology companies, life-sciences businesses
• Construction operations requiring CGL plus excess plus professional

Lines available through Geneva

Commercial Property · General Liability · Professional Liability (E&O) · D&O · Cyber · Workers' Comp

Why Geneva works with CNA

CNA is who we go to when a small or mid-sized business needs more than a "package policy." Examples: an architect firm with E&O exposure, a healthcare practice with HIPAA-driven cyber risk, a manufacturer with product liability questions. Their underwriters specialize by industry, so coverage gets built around the real risk, not a generic template.

Foremost

Specialty homeowners — manufactured homes, vacation homes, hard-to-place properties

Founded: 1952 · A.M. Best: A

What Foremost is known for

Foremost (a Farmers Insurance company) is a specialty homeowners carrier, writing coverage that standard markets often decline: manufactured and mobile homes, seasonal and vacation homes, vacant homes, log homes, older homes, homes in higher-risk geographies, and dwellings with prior loss history. Beyond homeowners, Foremost has specialty lines for motorcycles, boats, RVs, ATVs, snowmobiles, and other recreational vehicles.

Their underwriting flexibility comes from purpose-built guidelines for properties that don't fit a standard preferred risk box — think a 100-year-old farmhouse on five acres with a wood stove, the kind of property many standard carriers decline.

Often a fit for

• Manufactured or mobile home owners
• Vacation, seasonal, or secondary home owners
• Owners of older homes (pre-1950, log construction, unusual materials)
• Properties that have been declined or non-renewed by standard markets
• Motorcycle, boat, RV, and recreational vehicle owners

Lines available through Geneva

Specialty Home · Manufactured Home · Vacation Home · Motorcycle · Boat · RV · Off-Road

Why Geneva works with Foremost

A significant share of the calls Geneva gets are from people who've been told "we can't write this" by another agent. Foremost is one of the carriers we turn to for these — a vacation home in a coastal area, a manufactured home from the 80s, the cabin grandpa left to a client without a permanent address — so we can look for coverage there before reaching for surplus lines a client may not need.

GEICO

Auto-focused carrier with a broad menu of driver discounts

Founded: 1936 · A.M. Best: A++

What GEICO is known for

GEICO (Government Employees Insurance Company) is a U.S. auto insurer owned by Berkshire Hathaway and rated A++ by A.M. Best. The carrier is known for preferred-risk auto insurance and a broad menu of discounts: good driver, good student, multi-vehicle, military, federal employee, and more.

In addition to auto, GEICO offers motorcycle, RV, boat, and powersports coverage, plus a separate commercial auto product line. Their digital-first quoting and policy management gives policyholders an experience that matches what younger drivers have come to expect.

Often a fit for

• Preferred-risk drivers with clean records
• Military, federal employees, and members of qualifying organizations
• Multi-vehicle households
• Motorcycle, RV, boat, and powersports auxiliary coverage

Lines available through Geneva

Auto · Motorcycle · RV · Boat · Commercial Auto · Umbrella

Why Geneva works with GEICO

GEICO is in our quote comparison whenever a client's primary need is auto and they want cost and coverage weighed side by side. For multi-vehicle households and preferred drivers, we check how its discounts apply to the client's actual situation, and when GEICO is the right fit we'll say so — even if it means a less commission-rich placement.

Hagerty

Collector, classic, and enthusiast vehicles on agreed-value coverage

Founded: 1984 · A.M. Best: A

What Hagerty is known for

Hagerty specializes in insurance for collector vehicles. Founded in Traverse City, Michigan in 1984 by Frank and Louise Hagerty to insure classic wooden boats, it wrote its first collector-car policy in 1991 and now covers classic and antique cars, modern collectibles and exotics, vintage motorcycles, classic trucks, and collector boats. Policies are underwritten by Essentia Insurance Company, rated A (Excellent) by AM Best, which writes exclusively for Hagerty.

The defining feature is agreed value: the vehicle's value is set when the policy is written, and a covered total loss pays that amount rather than a depreciated figure. Around that sit the things enthusiasts actually need — flexible usage instead of rigid mileage caps, coverage for vehicles under restoration, spare-parts coverage, flatbed-only roadside service, and in-house claims adjusters who know what an original part costs. Hagerty also runs collector-vehicle valuation tools and the Hagerty Drivers Club.

Often a fit for

• Owners of classic and antique cars driven for pleasure, shows, and club events
• Modern collectibles and exotics that a standard auto policy would undervalue
• Vintage motorcycles, classic trucks, and collector boats
• Collections of several vehicles that belong on one policy
• Restoration projects and vehicles that are not on the road yet

Lines available through Geneva

Collector Auto · Classic Car · Modern Collectible & Exotic · Vintage Motorcycle · Collector Boat · Collections

Why Geneva works with Hagerty

A standard auto policy pays actual cash value, and for a collector car that number can be a fraction of what the owner has in it. When a client shows us a garage with something in it that they would never sell, Hagerty is one of the markets we compare for it, so the value can be agreed in writing before anything happens to it — and the daily driver stays on a standard policy where it belongs. Collector-car owners in our Illinois communities were among the first to ask us for this, and it remains one of the placements we are most often thanked for.

The Hanover

Independent-agent-only carrier with premium personal and small commercial lines

Founded: 1852 · A.M. Best: A

What The Hanover is known for

The Hanover Insurance Group is a 170-year-old carrier that has chosen to distribute exclusively through independent agents. They don't sell direct to consumers. Every policy they write goes through a licensed independent agency, which means their service infrastructure is built around supporting the agent relationship rather than competing with it.

Product-wise, The Hanover writes premium personal lines (their "Platinum" home and auto programs include broad coverage and discounts for clients with clean records), small-to-mid commercial, and specialty lines including marine and select industries.

Often a fit for

• Clients who specifically want to work with an independent agent (us)
• Premium personal lines — home, auto, umbrella for established households
• Small-to-mid commercial in The Hanover's preferred industries
• Marine and watercraft owners

Lines available through Geneva

Home · Auto · Umbrella · Small Commercial · Marine · Specialty

Why Geneva works with The Hanover

The Hanover and Geneva share a model: independent-agency distribution, customer relationships built on advisor service rather than direct-to-consumer ads. When we recommend The Hanover, we're recommending a carrier that's structurally aligned with what we do for our clients — it doesn't sell direct to consumers.

The Hartford

Small business specialist and AARP-endorsed personal lines

Founded: 1810 · A.M. Best: A+

What The Hartford is known for

The Hartford was founded in 1810 and is the exclusive endorsed provider of auto and home insurance for AARP members. Their personal-lines strength is concentrated in the 50+ demographic, with features like RecoverCare (services for accident recovery), accident forgiveness, lifetime renewability, and 12-month rate locks.

On the commercial side, The Hartford focuses heavily on small business, with their Business Owner's Policy (BOP), workers' compensation, and commercial auto offerings designed specifically for small accounts — fast quoting, online policy management, and underwriting tuned for the small-business risk profile.

Often a fit for

• AARP members or households 50+
• Small businesses needing Business Owner's Policy + workers comp
• Drivers wanting accident forgiveness and lifetime renewability features
• Small-business workers' compensation accounts

Lines available through Geneva

Auto · Home · Umbrella · Small Commercial (BOP) · Workers' Comp · Commercial Auto

Why Geneva works with The Hartford

For clients in the 50-and-over bracket, The Hartford's AARP-endorsed home and auto products bring features like RecoverCare, accident forgiveness, and lifetime renewability into the comparison, and we weigh them against price and the other carriers that fit. For small business clients — contractors, consultants, retail, professional services — The Hartford's BOP is a regular starting point in our comparison.

Illinois FAIR Plan

For Illinois property that can't get coverage in the standard market

Founded: 1968

What the Illinois FAIR Plan is known for

The Illinois FAIR Plan Association is a not-for-profit property insurance association formed in 1968; FAIR stands for Fair Access to Insurance Requirements. It operates under the Illinois Insurance Code and issues policies in its own name. It is not a standard-market insurer: the Plan describes itself as a residual market mechanism, and it is considered a market of last resort.

The Plan covers property at a fixed location in Illinois only. It is for people and businesses that can't get property coverage in the standard market for reasons beyond their control. Under its rules as of October 2026, applicants must first try to buy coverage from three insurance companies, and commercial applications must include proof of those attempts. Every new policy requires an inspection, and the property has to meet the Plan's basic fire, loss-prevention and safety standards; an unsatisfactory inspection can lead the Plan to deny coverage.

The Plan offers homeowners policies for owner-occupied Illinois homes of one to four families, renters and condo unit owners; dwelling property policies for owner- and non-owner-occupied buildings of up to four units; and commercial property policies for apartment buildings of five or more units and for mercantile and service businesses. As of October 2026, its published limits are $750,000 on a dwelling and $1,000,000 on a commercial building. Homeowners policies include personal liability; commercial policies cover limited perils, settle at actual cash value and include no liability coverage.

Often a fit for

• Illinois property that standard-market insurers have declined or non-renewed for reasons beyond the owner's control
• Illinois owner-occupied homes of one to four families, renters and condo unit owners who can't get coverage in the standard market
• Illinois rental dwellings of up to four units that can't get coverage in the standard market
• Illinois apartment buildings of five or more units, and mercantile or service business property, that can't get coverage in the standard market

Lines available through Geneva

Home · Renters · Condo · Dwelling Property · Commercial Property

Why Geneva works with the Illinois FAIR Plan

The Illinois FAIR Plan isn't one of our 25+ A-rated carriers, and it isn't where we start: we check the standard market first. The Plan writes Illinois property only. When an Illinois home, rental or commercial building can't get coverage in the standard market, we can help the client apply: we gather what the application needs, explain the inspection, and walk through how a FAIR Plan policy differs from a standard one. The Plan, not Geneva, decides whether to accept the property and when coverage starts.

Liberty Mutual

Comprehensive personal lines plus commercial property and casualty

Founded: 1912 · A.M. Best: A

What Liberty Mutual is known for

Liberty Mutual is a global property and casualty insurer. They have a full personal-lines lineup — auto, home, renters, condo, life — and a commercial-lines business. Commercial coverage includes property, general liability, workers' compensation, and specialty programs.

There's a wide menu of optional coverages and discounts that lets agents tailor a policy around each household's situation.

Optional features include accident forgiveness, new-car replacement, better-car replacement, deductible fund, and disappearing deductible.

Often a fit for

• Comprehensive personal lines (home + auto + renters)
• New-car owners wanting better-car or new-car replacement features
• Multi-policy bundles with depth-of-coverage priorities
• Mid-market commercial property and casualty

Lines available through Geneva

Auto · Home · High-Value Home · Renters · Condo · Umbrella · Life · Commercial

Why Geneva works with Liberty Mutual

Liberty Mutual is one of our regular comparison anchors — they quote a wide range of standard personal-lines profiles, and their feature set (accident forgiveness, replacement coverage tiers) gives us levers to pull when a client wants specific protections beyond basic coverage. We use them frequently in our comparison runs to show clients, side by side, what those optional protections add and what they cost.

Openly

Modern HO-5 homeowners insurance with broad coverage and digital underwriting

Founded: 2017 · A.M. Best: A-

What Openly is known for

Openly is a newer-generation homeowners specialty carrier (founded 2017, backed by the reinsurer Munich Re) that writes exclusively HO-5 policies — the broadest standard homeowners form. Their pitch is straightforward: a single comprehensive HO-5 with broad replacement cost, valuable items coverage built into the base policy, and 30+ year roof coverage on many policies, all available through independent agents only.

Underwriting is technology-first, with property data automatically pulled from satellite imagery, aerial photography, and public records, which means most quotes complete in minutes rather than days and binding is instantaneous.

Often a fit for

• Homeowners wanting the broadest standard form (HO-5) who don't need a high-net-worth program
• Modern or well-maintained homes (Openly's underwriting weighs property condition closely)
• Tech-comfortable customers who want a fast quote and binding experience
• Homes with valuable items where built-in scheduled coverage matters

Lines available through Geneva

Home (HO-5) · High-Value Home

Why Geneva works with Openly

For the modern homeowner who doesn't need the ultra-HNW Chubb or AIG treatment but wants more than a standard HO-3, Openly fills a specific gap in our carrier lineup. The HO-5 form alone — open-perils on both the dwelling AND personal property — is broader than the HO-3 form many homeowners carry.

Progressive

Personal and commercial auto, plus specialty vehicle programs

Founded: 1937 · A.M. Best: A+

What Progressive is known for

Progressive is a U.S. auto insurer writing both personal and commercial auto. Snapshot, their usage-based (telematics) program, prices partly on recorded driving where it's offered, so the result can raise a premium as well as lower it. Their Name Your Price tool lets shoppers anchor a quote on a budget rather than a coverage menu. Their commercial auto program writes everything from single-vehicle contractor pickups to multi-state trucking fleets, and they have specialty programs in motorcycle, boat, RV, and Mexico auto insurance.

For independent agents, Progressive's tools include comparative rating, instant binding, and full agent-portal claim visibility.

Often a fit for

• Auto-focused shoppers, including drivers open to a telematics (usage-based) program
• Commercial auto — single vehicle to mid-size fleets
• Motorcycle, boat, RV coverage
• Drivers with imperfect records (Progressive writes non-standard auto)

Lines available through Geneva

Auto · Commercial Auto · Motorcycle · Boat · RV · Mexico Auto

Why Geneva works with Progressive

Progressive is in our quote comparison on nearly every auto request — for clean records, sub-standard records, motorcycles, boats, commercial fleets. Their willingness to write non-standard auto means a driver with a few marks on their record can often stay in our regular comparison instead of being referred to a specialty market, and their commercial auto program is one we regularly include for small business clients with vehicle exposure.

RT Specialty

Wholesale broker for surplus, specialty, and hard-to-place risks

Founded: 2010 · A.M. Best: Varies by underwriter

What RT Specialty is known for

RT Specialty (part of Ryan Specialty Group) is a U.S. wholesale insurance broker, not an insurer. They give independent agents access to surplus lines, specialty programs, and hard-to-place markets that standard carriers won't write.

RT's underwriting partners include Lloyd's of London syndicates, domestic surplus carriers, and specialty MGAs. Together they cover risks ranging from cannabis operations to construction-defect coverage, high-hazard transportation, and abandoned property.

For an independent agent like Geneva, RT is the partner we turn to when a client's risk is truly outside the standard market. We don't use them by default. They're how we look for coverage when the standard market's answer is "we can't."

Often a fit for

• Risks declined by standard carriers (vacant property, prior fire losses, unusual construction)
• Specialty industries — cannabis, hospitality, entertainment, energy
• High-hazard commercial operations needing surplus-lines capacity
• Coverages requiring Lloyd's of London or specialty MGA programs

Lines available through Geneva

Surplus Lines · Specialty Commercial · Excess & Surplus · Hard-to-Place

Why Geneva works with RT Specialty

RT Specialty is the door we open when a standard-market quote isn't possible. They're not our default. Surplus lines premiums and policy mechanics differ from standard carrier products, and we walk every client through what that means before binding. But when a client truly needs surplus capacity, RT gives Geneva access to the wholesale and surplus-lines markets that kind of risk requires.

Steadily

Landlord and rental property insurance, technology-first

Founded: 2019 · A.M. Best: A-

What Steadily is known for

Steadily is a landlord-insurance specialist founded in 2019 and built specifically for real-estate investors and rental property owners. Their core products are DP-1 and DP-3 landlord policies (the rental-property equivalent of homeowners HO-3 and HO-5), plus builder's risk for properties under renovation. Quoting is technology-first — most quotes complete in under three minutes with instant binding, which matters when an investor is closing on a new property and needs proof of insurance fast.

Coverage features specific to rental ownership: loss-of-rent income protection, vandalism and malicious mischief, ordinance-or-law for older properties, and reasonable handling of short-term rentals (Airbnb, Vrbo) where many standard carriers exclude or non-renew.

Often a fit for

• Single-property landlords and multi-property real-estate investors
• Properties under renovation needing builder's risk
• Short-term rental hosts (Airbnb, Vrbo) needing rental-aware coverage
• Out-of-state investors needing fast bind times at closing

Lines available through Geneva

Landlord (DP-3) · Landlord (DP-1) · Builder's Risk · Short-Term Rental

Why Geneva works with Steadily

Real-estate investing is a growing share of our client base, and Steadily is built around the product these clients need — rental income coverage, fast bind at closing, no awkward "do you live there" questions when the answer is plainly no. They're a clean fit for our landlord and investor clients.

Travelers

A++ (A.M. Best) carrier across personal lines, commercial, and surety

Founded: 1864 · A.M. Best: A++

What Travelers is known for

Travelers was founded in 1864 and carries A.M. Best's A++ (Superior) financial strength rating. Their product depth covers nearly every standard personal and commercial line — auto, home, umbrella, condo, renters on the personal side; property, general liability, workers compensation, commercial auto, and a surety bond program on the commercial side.

Personal-lines features include accident forgiveness and Quantum Auto/Home (a multi-policy product with bundled discounts). On the commercial side, Travelers writes a small-business surety program for contractors and businesses that need performance bonds, license bonds, or court bonds.

Often a fit for

• Premium personal lines bundles (home + auto + umbrella)
• Small-to-mid commercial accounts needing comprehensive packages
• Contractors and businesses needing surety bonds
• Workers' compensation accounts paired with commercial auto

Lines available through Geneva

Auto · Home · Umbrella · Condo · Renters · Commercial · Workers' Comp · Surety Bonds

Why Geneva works with Travelers

Travelers is in our comparison for commercial accounts, and for personal-lines clients who want the depth of an A++-rated multi-line carrier under one roof. Their surety bond program in particular lets us help clients ranging from a contractor needing a $10K license bond to a business seeking a multi-million-dollar performance bond — all through the same relationship.

Frequently asked questions

Why does Geneva work with so many different carriers?

Every household and business has a unique risk profile, and no single insurance carrier is the right fit for every situation. By working with 25+ A-rated carriers, we can compare actual quotes across multiple companies and place each client with the carrier that fits their needs — coverage, price, claims service, and the specific risk factors they're trying to insure.

How does Geneva decide which carrier is the right fit for me?

We start by understanding the full picture: what you're insuring, what coverage gaps matter most to you, your prior loss history, your budget, and your priorities around claims service. Then we run quotes across the carriers most likely to fit that profile and walk you through the comparison — not just price, but coverage differences and trade-offs.

What if my current carrier isn't on this list?

This page covers 17 of the carriers and markets we work with. Two of them aren't standard carriers: RT Specialty is a wholesale broker rather than an insurer, and the Illinois FAIR Plan is considered a market of last resort for Illinois property that can't get coverage in the standard market. Across our full market we work with 25+ A-rated carriers, and we have access to additional standard markets and surplus-lines capacity through wholesale relationships. If you're currently insured with a carrier not shown here, contact us — we can usually quote against your existing policy so you can compare. If staying where you are is the right answer, that's what we'll tell you.

Do you get paid more for placing me with one carrier vs. another?

Carrier commission rates do vary across our partners, and we're transparent about that. But our compensation model and our retention model are aligned with placing clients where they belong, not where the highest commission sits. Misplacing a client to chase a few extra commission points means they leave at renewal — which costs us far more than the difference.

Can you write coverage in states where I have property but don't live?

Geneva is licensed in 17 states (Arizona, California, Florida, Georgia, Illinois, Indiana, Maryland, Michigan, Montana, New Mexico, New York, Pennsylvania, South Carolina, Texas, Virginia, Washington, Wisconsin). If your primary residence is in one state and your rental, vacation, or commercial property is in another, we can usually write the property when the second state is also one of our 17 licensed states and a carrier we work with writes there. If it isn't, we'll tell you up front.

What does 'A-rated' actually mean for an insurance carrier?

A.M. Best — a credit rating agency focused on the insurance industry — issues financial-strength ratings on a scale running A++ (Superior) down through F. We work primarily with carriers rated A- or better, which in A.M. Best's opinion means an excellent or superior ability to meet ongoing insurance obligations. A rating is an opinion, not a guarantee.