No geckos with English accents.
Our agents are friendly, knowledgeable, and service-oriented. We shop for home insurance and auto insurance through multiple insurance companies to find the best rates for your specific needs.
Once you're a client, we'll keep shopping for you, year after year, to make sure you're always getting the best rate, without sacrificing coverage.
Honest Guidance
Everything you need, nothing you don't.
Best Rates
When carriers compete, you save.
Big Heart
Real advice from real people.
Forget Everything You Know About Insurance Sales
Does the "advice" you're getting from your current provider feel more like a sales pitch?
It's difficult to know if you're being sold coverage you don't need. It's equally difficult to know if the guidance you're receiving is inadequate, leaving you exposed to the very threats you were trying to eliminate in the first place.
Avoid the slime. Get knowledgeable advice you can trust →
When Carriers Compete, You Save
You don't have to settle for a one size fits all solution. A knowledgeable broker can shop your home and auto insurance policy with competing carriers to get you the right coverage at the best rate.
An Inside Look at Insurance Pricing
Are you wondering why your rates keep going up, even though you haven't filed a claim? Get an inside look at how insurance pricing works and why you want carriers competing for your business.

You'll Never Dread Calling Your Insurance Agent Again
Experience the pleasure of a fast, efficient, and painless insurance experience delivered by people you actually enjoy talking to!
Our modern, streamlined process provides total peace of mind that your needs are being taken care of in just the way you deserve.
Best of all, you'll never have to wonder if you're getting the best deal or worry that you have the right coverage.
Rob Flagg
⭐⭐⭐⭐⭐
Hands down, the only company I will ever get insurance from.
Dave's vast knowledge of the insurance world has helped me through insuring cars, personal homes, and investment real estate. Regardless of the insurance, Dave knows it inside and out and will find you the best rate while also helping you make informed decisions. HIGHLY recommended!
Ariel Green
⭐⭐⭐⭐⭐
Best insurance experience ever!
Dave Harriman is wonderful! He is always friendly and helpful. I can ask him any kind of question and he is so good at explaining everything. He actually makes talking about insurance fun. I truly feel he always has my family's best interest at heart. Michelle Carr is great too!!! I highly recommend Lone Tree Insurance!!!
Better Insurance In 3 Steps Flat
Just For You Review
How Much Is Generic Insurance Costing You?
To find out, grab our FREE "Just For You Review" of your insurance needs. We'll provide clear, honest professional guidance on the best home and auto policy for your individual needs — whether you choose to work with us or not.
(Note: this professional advice comes with no strings attached... because we ❤️ you)