How we recently helped
Real situations. Clearer insurance decisions.
Insurance advice becomes more meaningful when you can see the problem, what we found and how we helped the client move forward.
Home insurance
Client story 01
Stronger coverage. Lower deductibles. A slightly lower premium.
The situation
A homeowner with a $550,000 dwelling limit had a 2% wind and hail deductible—$11,000 out of pocket—and an earthquake deductible of 10%—$110,000.
What we found
The roof was covered on a depreciated basis rather than replacement cost. A covered roof loss could leave the homeowner responsible for both the deductible and the roof’s depreciation.
What we changed
We paired Foremost Signature homeowners coverage with Palomar earthquake coverage. Wind and hail dropped from 2% to 1%—$11,000 to $5,500. We added replacement cost loss settlement for the roof and guaranteed rebuild coverage to the homeowners policy. The earthquake deductible dropped from $110,000 to $22,000—an $88,000 reduction. The total premium was slightly lower, too.
The takeaway
Carrier pricing, coverage and eligibility regularly change. Having access to multiple insurance companies lets us revisit those options and recommend what best fits the client—not simply renew what they already have.
Auto insurance
Client story 02
Their assets had grown. Their liability protection hadn’t.
The situation
The household’s highest earner made $125,000 annually, and the household had built $500,000 in assets. Their auto policy carried liability limits of $100,000 per person, $300,000 per accident and $100,000 for property damage.
What we found
Their protection against injuries caused by other drivers was considerably lower: $25,000 per person and $50,000 per accident in uninsured motorist coverage, with no underinsured motorist coverage. We identified gaps in both their liability protection and their protection if another driver caused a serious accident—leaving their assets and future earnings exposed to significant financial risk.
What we changed
We increased the underlying auto liability limits and added a $1 million umbrella with additional uninsured and underinsured motorist protection. The premium was slightly higher, but the household gained substantially stronger protection.
The takeaway
We review basic income and asset levels to help you understand your options. We explain our recommendation without pressure—you decide what level of protection feels right for you.
Coming soon: Our liability coverage calculator will help you explore your income, assets and potential exposure at your own pace, so you can make a more informed decision.
Landlord insurance
Client story 03
Coverage that fits the property—and the investment.
The situation
A rental property owner wanted the right balance of insurance protection and cost while keeping the property’s cash flow in mind.
How we helped
We compared multiple carriers, policy forms and loss settlement options. We explained how those choices affected both the premium and what the owner could receive after a covered loss.
The solution
Our range of carrier options gave the owner flexibility to balance coverage, cost and the amount of risk they were comfortable retaining.
Why it mattered
Insurance is part of the property’s operating costs, but an uncovered loss can affect cash flow far more than the premium. Having options and understanding the tradeoffs helps property owners make informed decisions about coverage and cost.
Workers’ compensation
Client story 04
Lower costs. Fewer gaps. More predictable cash flow.
The situation
A contractor hadn’t reviewed their workers’ compensation coverage in several years.
What we found
We quickly identified carriers offering significant premium savings. We also found that payroll wasn’t being tracked separately to take advantage of lower-cost job classifications, and the contractor was working in states their current policy didn’t cover.
What we changed
We corrected the coverage gaps, aligned payroll tracking with the appropriate classifications and reduced their overall costs. We also established payroll reporting to help reduce audit surprises and make cash flow more predictable.
Why it mattered
The review delivered more than a lower premium. The contractor gained coverage that better reflected where and how they worked, along with a clearer process for keeping payroll and insurance costs aligned as the business moved forward.
Commercial claim support
Client story 05
The carrier initially declined. We helped change the outcome.
What happened
A commercial client reported a claim, and the insurance carrier initially declined coverage.
How we helped
We reviewed the policy and its additional coverage endorsements, then challenged the denial. We explained why those provisions supported coverage and why the carrier had a duty to defend our client.
The outcome
The carrier reconsidered, provided a defense and ultimately paid on the client’s behalf.
Why it mattered
Having the right coverage matters. Without a careful review and informed recommendations, you may not have the protection you need. Having an agency willing to advocate for you when a claim happens matters, too.
Client reviews
What clients say about working with Mueller.
4.9 out of 5 on Google · 70 reviews
Selected recent Google reviews about personal service, coverage guidance and making insurance easier.
Leave a Google Review Read All Google Reviews
★★★★★
“The entire team was very responsive, and made the process of setting up our home and auto insurance easy.”
Kade Bickel
Google review excerpt
★★★★★
“Over the years David has always been super responsive to my insurance needs.”
Jeffrey Maret
Google review excerpt
★★★★★
“Very easy to work with. I switched my insurance over with Peter when I was purchasing a new home.”
Marilyn K
Google review excerpt
★★★★★
“He’s always responsive, answers any questions I have, and stays on top of everything that needs to get done.”
Chris Edler
Google review excerpt
★★★★★
“It’s nice working with a local insurance broker who provides personal service and is actually available when you need something.”
Don Sladek
Google review excerpt
★★★★★
“Pete, made everything so simple! He helped us save a ton of money on our policies!”
Octavius Clark
Google review excerpt
Review excerpts and Google rating checked October 20, 2026. Individual experiences vary.