Nobody reads the policy until the worst day.
We read it first. Northlight compares fourteen carriers, tells you exactly where your coverage would fail, and answers the phone the morning after — when it matters.
Four policies,
one agent who knows all of them.
Bundling isn't the point — matching is. Two households on the same street can need entirely different carriers, and we'd rather split your policies than sell you a discount that costs you at claim time.
Home
Replacement cost that reflects what building actually costs this year, not what you paid in 2016.
- Dwelling & other structures
- Water backup & service line
- Scheduled jewelry, art, instruments
Auto
Liability limits that would survive a real accident, plus the uninsured-motorist coverage most people skip.
- Multi-vehicle & teen drivers
- Classic & seasonal vehicles
- Gap and new-car replacement
Business
General liability, property, and the workers' comp audit help that keeps you from writing a surprise check in March.
- Contractors & trades
- Restaurants & retail
- Professional liability
Umbrella
The cheapest million dollars of protection you'll ever buy, and the one policy almost nobody has enough of.
- $1M–$10M excess liability
- Covers rentals & boards you sit on
- Often under $30/month
The only part
that actually counts.
Anyone can sell you a policy in eleven minutes online. What you're really buying is what happens the day the tree comes through the roof.
You call us, not a hotline
A direct line to your agent, answered by a person in Portland. Nights and weekends included — storms don't wait for Monday.
We file it and we own it
We open the claim, send the carrier the documentation, and chase the adjuster. You get a text with the claim number before you hang up.
We argue the gray areas
When a carrier reads a clause the wrong way, we escalate. It's the whole reason to have an independent agent standing between you and them.
We tell you what it does to your rate
Before you file, we'll tell you honestly whether a small claim is worth what it will cost you over the next five years.
How much umbrella do you actually need?
A liability judgment doesn't stop at your policy limit — it reaches your savings, your home equity and your future wages. Move the sliders to see the gap most families don't know they have.
Rough guidance only, not advice. The honest version takes fifteen minutes on the phone.
We don't work
for the carrier.
A captive agent has one company's products to sell you. We have fourteen, and no reason to prefer any of them beyond which one pays your claim.
Every renewal, automatically. If your carrier files a 14% increase and someone else is cheaper for the same coverage, you hear from us before the bill comes.
The differences between two "identical" homeowners policies live in three paragraphs on page 22. That's the part we compare, and the part we'll walk you through.
Switch carriers and nothing changes on your end — same phone number, same person, same file. That's why families here are on their third generation with us.
After the storm.
Two hundred homes in Cumberland County lost roofs in the January nor'easter. Here's how that week went for our clients.
“I called at 6am from the driveway. Claim number before breakfast, adjuster Thursday, check the following week.”
Paul DevereauxHomeowner · Falmouth“They found we'd been underinsured on the dwelling by ninety thousand dollars. Nobody in twelve years had mentioned it.”
Anita CrossHomeowner · Cape Elizabeth“Our old agent sold us one company's policy. Northlight priced six and cut the premium by a third for better limits.”
Marcus OyelaranOyelaran Electrical · PortlandIllustrative client stories shown for this design sample.
Fifteen minutes, fourteen carriers.
Send us what you have now and we'll come back with a side-by-side comparison — including the places your current policy would leave you exposed. If you're already in good shape, we'll tell you that too.