Personal, business, and relocation coverage for Puerto Rico and Texas. Start with whatever is on your mind — each guide explains it plainly, and when you’re ready, a coverage review ties it together.
You may not know which policy or endorsement you need. You do know what’s happening in your life. Start there.
Property, windstorm, earthquake, and flood — and what a review checks. Property guide → · prep checklist
What changes about your insurance when you relocate — property, auto, and the local risk picture. Relocation & Act 60 →
General liability, commercial property, professional liability (E&O), and bonds. Business coverage →
Need help with a current policy or a quick question? Reach me directly. Ask a question →
Liability, collision, comprehensive, deductibles, and GAP, explained plainly. Auto insurance guide →
Coverage that matches what it would cost to rebuild today, not five years ago. Property guide →
Most insured owners here already have it. The real question is the deductible and what’s left out. Earthquake coverage →
The coverage your homeowners policy leaves out — NFIP vs. private, wind vs. water, the 30-day wait. Flood insurance →
Income protection if you can’t work — own-occupation vs. any-occupation, and the SINOT gap. Disability coverage →
Your health plan often stops at the water and a medical evacuation can run into six figures. What actually protects you abroad. Travel coverage →
General liability, commercial property, business interruption — and what keeps the operation running. Business coverage →
Covers claims that you made a mistake in your professional work — and the claims-made trap to understand. E&O guide →
A guarantee, not insurance — bid, performance, payment, license and permit bonds, and who needs one. Bonds guide →
What changes about your insurance when you move to Puerto Rico — property, auto, and the local risk picture. Act 60 insurance guide →
That’s what a coverage review is for. Tell me what you want to protect and I’ll walk you through where you stand.