From your front porch to the open road—we’ve got you covered.

Personal Insurance That Fits the Way You Live

Our job is to make protecting your home, car, and family simple. As an independent agency, we match you with insurance that fits your needs and your budget—without the pressure. Whether you're just getting started or looking for a better deal, we’ll help you make sense of it all.

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Coverage That Travels With You

Protection for What Matters Most—Wherever Life Takes You

We’re here for the big things and the everyday things: your first home, your weekend boat, your teen’s first car, and everything in between. Our personal insurance team helps you build a policy that works for your life—not someone else’s.

Homeowners Insurance

Protect your home from storms, fire, theft, and more. We'll help you cover the structure, your belongings, and your peace of mind.

Auto Insurance

Whether you drive 10 miles to town or 100 miles to work, we’ll help you get the right coverage for your ride—without overpaying.

Renters & Condo Insurance

Your landlord’s policy won’t cover what’s inside. We’ll help you protect your furniture, electronics, clothes, and everything else that makes your space feel like home.

Umbrella Insurance

Life doesn’t always go as planned. Umbrella insurance adds extra liability protection when your home or auto policy isn’t enough—often for just a few dollars a month.

Life Insurance

Protect the people who count on you with term or whole life coverage. We’ll explain your options in plain terms and help you choose what fits.

Boats, RVs & More

Insure your toys the right way—from ATVs and side-by-sides to campers and fishing boats. If you ride it or tow it, we can probably cover it.

Why Work With Schutz Insurance?

Local. Independent. On Your Side.

You don’t need a one-size-fits-all policy—you need one that fits you. As an independent agency, we work with trusted carriers across the state and shop on your behalf. That means better rates, better service, and a better experience from start to finish.

Frequently Asked Questions

  • Do I need both auto and home insurance with the same company?

    No—but bundling can save you money and simplify billing. We’ll run the numbers both ways and let you choose what makes sense.

  • What’s the difference between replacement cost and actual cash value?

    Replacement cost pays to replace what you lost at today’s prices. Actual cash value subtracts for wear and tear. One costs more up front, the other may cost more after a claim—we’ll help you weigh both.

  • How much life insurance do I really need?

    That depends on your income, debts, family size, and future plans. We’ll walk you through a simple process to find a number that fits your goals—not a sales quota.

  • Do I really need renters insurance if I don’t own a lot?

    Yes—your landlord’s policy won’t cover your personal stuff. Even basic renters insurance helps protect you after fire, theft, or water damage.

  • Can I switch insurance companies mid-policy?

    You can. In many cases, you’ll even get a refund on unused premiums. We’ll handle the timing so there’s no gap in your coverage.