PROSPERITY NATIONAL INSURANCE
Coverage that fits the way you live, work, and invest.
We're a national insurance brokerage built by an investor-operator team — the same people behind Prosperity Construction & Development, Prosperity REIS, and an actively-managed real estate portfolio. We shop policies across carriers instead of pushing one. You get coverage that actually matches your exposure, without paying for what you don't need.
Why us
Independent — not captive
We shop across carriers every renewal. If a different carrier's pricing or coverage fits you better, we move you. Captive agents can't do that.
Built by operators
Prosperity owns and operates rentals, runs an active construction company, and develops real estate. We've actually filed the claims we're advising you on.
Specialty lines without the runaround
Vacancy permits, builder's risk, scheduled property, classic auto, professional liability — the policies most agents punt on. We write them routinely.
Clear answers, no jargon
What's covered, what's excluded, what your deductible does to premium. In writing. Before you sign. So renewal isn't a surprise.
Coverage lines
Five lines. Across the country.
Click any line for the full coverage breakdown — what's standard, what we add, and who it's a good fit for.
🏠
Home
The walls, the wiring, the stuff inside, and the people you let through the door.
Standard homeowners (HO-3 and HO-5), high-value home coverage, and condo (HO-6) — with named-storm, water backup, and replacement-cost endorsements where they matter.
Coverage details🚗
Auto
Liability you can sleep on. Comp + collision when it makes sense, not when it doesn't.
Personal auto policies tuned to the driver, the cars, and the actual risk — not whatever the captive carrier's algorithm decides.
Coverage details🏢
Commercial
Coverage that matches how the business actually runs — not the boilerplate version.
Business owners policies (BOP), general liability, commercial property, workers comp, commercial auto, and the specialty endorsements most general agents skip past.
Coverage details🏘️
Investment Property
DP-3, vacancy permits, builder's risk, and the policies most agents won't underwrite.
Dwelling fire (DP-1, DP-2, DP-3), landlord packages, builder's risk for active rehab, and vacancy permits for properties between tenants. Built by people who actually own and operate rentals — Prosperity Industries runs its own portfolio.
Coverage details🔑
Renters
The cheapest insurance you'll ever buy. Liability + contents + a place to stay.
HO-4 renters policies — usually $12–$25/month, rarely worth not having. Personal property, liability, and additional living expense if your unit becomes uninhabitable.
Coverage details
How it works
From form to bound, without the runaround.
01
Tell us what you've got
Two-minute web form: name, contact, line of insurance, asset details. Enough for us to come into the call ready, not pitching.
02
30-minute review
Phone or video. We walk through what you have now, what you actually need, and what gaps a claim would expose. No pitch deck.
03
Quotes from multiple carriers
We market the policy. You get apples-to-apples comparison — coverage, deductibles, premium — and pick what fits. Bind same day if you want.
Ready for a 30-minute review?
No pitch. We come into the call already understanding your situation, walk through what you have, what you need, and where the gaps are.
Book the review →