The MHT Advantage

Let us shop for you. Our firm currently represents seven personal lines insurance companies with real time quoting and binding authority. We can also broker business to literally any market accessible to independent agents. Do you have a risk? We can cover it at a competitive price.

One point of contact. Individual producers act as the sole point of contact for a client through the procurement and long term use of insurance. Looking for a relationship? We’re hoping for the opportunity to build one with you.

What you don’t know about insurance can hurt you. Producers at MHT average over 15 years of industry experience. Are you an expert at risk transfer and mitigation? We are. And we are here to provide information and support to guide you through the process.

Talk is cheap. Some adages never lose their relevance. Take a look at what our current clients have to say about our services

Homeowner's Insurance

Whether home prices are heading up, down or sideways one thing remains true for the vast majority of us - our home is our most valuable asset.

Dwelling limits have recently become much more restrictive. Do you know how the insurance industry has redefined replacement value?

Earthquakes and Floods are excluded in standard homeowner’s policies. Are you currently uncovered?

Even with decreasing home values increasing material costs continue to outpace inflation. Has the cost to rebuild your home outgrown the coverage on your current policy?

We’re here to help with access to a broad spectrum of the insurance industry and expertise to answer all of your questions.

Give us a call or click here to send us an email.

Auto Insurance

Owning a car is expensive – being involved in an accident without proper insurance coverage is really expensive.

Most liability coverage is provided in “split limits” that limit coverage for different types of damage. Did you know you can remove these splits and effectively more than double your coverage – often for a 5% increase in premium?

Once involved in an insurance claim many consumers find that they possess unfortunate gaps in coverage and equally unfortunate coverage that overlaps. This often represents many years of wasted premium dollars. Has anyone ever explained the real differences between “PIP” coverage, Uninsured Motorist and Comp/Collision coverage?

We know auto insurance and would love to fully explain where you may find yourself underinsured, overinsured or just plain unsure.

Give us a call or click here to send us an email.

For Your Toys

We all like having fun! Most homeowner’s policies cover some degree of liability while we’re at play - but in many cases inexpensive, comprehensive supplemental coverage will save us from making uninsured mistakes.

Be sure to purchase coverage for any motorized toys – personal watercraft, motorcycles, snowmobiles, ATV’s. Inexpensive liability coverage will pay for the whoops in woo-hoo!

Second homes, vacation rentals, special events all pose specific risks of loss. Be sure that you’re not left open to a slip and fall lawsuit or serving alcohol without proper coverage!

Not sure where to start? Give us a call or click here to send us an email and we’ll help you identify your risks of loss and tailor the most cost effective options of risk transfer for all of the fun in your life!

Life, Health, Disability & Financial Services

Most of us realize that life insurance is vitally important - yet the vast majority of Americans do not obtain as much as we need. Often the busiest times of our lives are when we really need to procure life insurance, (purchasing a home, getting married, and having children) and let’s face it; no one really wants to talk about it.

That’s where MHT can help. Let us take the wheel and help you navigate the often confusing life and disability insurance landscape. Click here to send us an email or give us a call today.

Worried about retirement, estate planning or tax issues as well? With the help of our sister company, Greenhouse Capital Group we can provide the most comprehensive and professional financial planning available, period.

Greenhouse principals Tom Odell and Phil Sasich work out of our downtown office and have over 50 years of combined experience. Low-key and highly educated counselors helping to cultivate your financial future!