We have used HRM for homeowners insurance on two different homes as well as for travel insurance, and Michael and his team have been outstanding every time. They are always super responsive, very easy to work with, and have consistently been able to find us excellent coverage at a very reasonable price —even on rather short notice. We initially came across Michael and his team when our previous insurance group was unable to offer a suitable howeowners insurance policy to us. Michael was able to secure a suitable yet affordable option. We have continued to work with Michael and his team since. They always make the entire process simple and stress-free, are very communicative from start to finish, and are super reliable which is hard to find these days. We will continue to use Michael and his team, and highly recommend them to anyone looking for reliable, efficient insurance of any kind.