Insurance with Troy exists to remove fear, confusion, and fine print from home insurance — replacing it with clarity and real advocacy.
Insurance with Troy began when our founder saw families devastated not just by disasters — but by denied claims, vague exclusions, and unreachable insurers.
The mission became clear: create an agency that educates, protects, and stands with homeowners before, during, and after loss.
To empower homeowners with transparent, tailored insurance that actually performs when life takes an unexpected turn.
We envision an insurance industry built on honesty, education, and advocacy — where policies protect people, not profits.
At Insurance with Troy, we reject the notion that insurance should be confusing or adversarial. Our philosophy is rooted in "Active Protection." This means we don't just wait for you to call us with a problem; we actively educate our clients on risk mitigation. We believe that the best claim is the one that never needs to be filed because the risk was prevented. However, when the unavoidable occurs, we stand as your staunchest ally, not a gatekeeper of funds.
We write policies in plain English, not legalese. Every exclusion is explained upfront. Every limit is justified. We want you to know exactly what you are buying, so there are no surprises when you need us most. Compliance isn't just a checklist for us; it's a moral obligation to be open and honest.
We don't bundle unnecessary coverages just to hike up premiums. We conduct a personalized "Coverage Audit" for every client to ensure your policy matches your actual property value, lifestyle, and local risk factors.
The story of Insurance with Troy began not in a corporate boardroom, but at a kitchen table. Troy, our founder, watched his neighbors struggle to rebuild after a devastating flood in the late 90s. He saw firsthand how "standard" policies often left families with nothing but denied claims and fine print.
Determined to change the narrative, Troy set out to build an agency that put people before profits. He spent years studying the intricacies of property law, construction costs, and risk assessment. He realized that most insurance companies were reactive—selling a product and disappearing until renewal time.
Today, Insurance with Troy stands as a testament to that initial vision. We have grown from a single desk to a nationwide provider, but our heart remains at that kitchen table. We treat every policyholder like a neighbor. We pick up the phone. We show up when it matters. That is our promise, and that is our legacy.
"I never understood my policy until I switched to Troy. They explained everything clearly."
"Fastest claim payout I've ever experienced. Highly professional team."
"They actually care about you. It's not just business, it's personal protection."
