“Upon purchasing a new home, we had Tobey and Merrill take a look at all of our insurance coverage and they were able to combine all of our coverages (home, auto, umbrella) and save us TON of money. Since we have had the coverage in place they have been receptive of every question and inquiry we have had and deal directly with the carrier so we never even have to pick up the phone to speak with them directly. Highly recommend!”

Shane Loh