Contact

As you may have already read elsewhere on our site, the Terp Family has had an insurance presence in Manitowoc for many years. While we are located in Manitowoc, our agency serves individuals, families, and businesses throughout all of Eastern Wisconsin.

Address

405 N Rapids Rd
Manitowoc, WI 54220

Phone

Phone: 920-717-0711
Cell: 920-242-2942

Fax

Fax: 920-717-0713

Email

General Email Address: justin@terpfamilyinsurance.com

Hours of Operation

Monday – Friday: 8:30 – 5:00
Saturday: 9:00 – Noon
Sunday: Closed
Evenings by Appointment

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Excellent

Terp Family Insurance

4.9

Based on 152 reviews

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Larry B.

Justin was great, both my wife and I feel a lot better with the upgrade on our home policy. Glad we went to him. James and Theresa.

Response from the owner: Larry, I appreciate the review and the business! It has never been more crucial to have a solid understanding of your coverages & your policy than it is right now. The insurance industry is drastically changing & changing quickly. Overlooking certain home & auto endorsements could mean thousands of dollars out of your pocket if you have an issue without the appropriate coverage. The severity of storms across the country have been getting progressively worse for several years with no end in sight. For anyone out there reading this, it is time to sit down with your agent and have a lengthy conversation about your coverage and your policy. If you don't, you could be in for a very expensive surprise down the road! James & Theresa, it was great meeting you both & I look forward to working with you for years to come!

April E.

I had been contemplating switching insurance for many years, looking for more personalized service to meet our family’s needs, grateful I finally made the change. Justin at Terp Family Insurance was the perfect fit. I find comfort and complete confidence knowing our family is well insured!

Response from the owner: April, I want to thank you for the business & the review! An extensive review of your insurance policy & the coverage it provides should be a top priority for everyone paying a premium in 2024. As companies make major policy changes, it is imperative you understand your coverage top to bottom or you could be in for a very expensive surprise if you have a claim! The policy we just wrote for your family is proof that a combination of a greatly enhanced policy with a huge premium savings is still 100% possible even in the current, insanely crazy insurance environment we are in the middle of as we speak. It doesn't get much better than that! I look forward for working with you for years to come April!

Karen H.

We are so pleased with what Justin has done for us. We felt so comfortable with him. He took his time with us and explained everything to us so clearly so we understood it. So happy to have him as our Insurance man. Thank you Justin.

Response from the owner: Karen, I want to thank you & Bruce for the business & the review! It is great to have you back in my agency and now it's never been more important to know your policy & coverage inside & out. As the entire insurance industry contracts and makes major policy changes, forces mandatory minimum deductibles and cuts coverages you better darn well know what you are getting or you could be in for a big expensive surprise. Sitting down and having a top to bottom review is the only way an agent can possibly get to know your specific coverage needs and explain all the necessary information you need these days as a client. I am thrilled with the policy we were able to put together for you. Not only did we save hundreds of dollars, we have a night and day better/more comprehensive policy with an umbrella included! We can't do much better than that! I look forward to working with you and Bruce for years to come!

Karen J. R.

Wonderful never had an Insurance agent explain everything the way Justin did. So glad I came here will have a good relationship.

Response from the owner: Karen, I appreciate your kind review & your business! Having the opportunity to help you get your insurance coverage squared away now that you've come back "home" to our beautiful Lakeshore area has been wonderful! I've enjoyed our discussions and as an agent, I couldn't be more thrilled with the policy we were able to put together for you. The "peace of mind" an excellent policy can provide these days is more important than it's ever been. A thorough top to bottom policy review is the only way create a policy plan best suited to your unique siltation. I welcome you back to the area and look forward to working with you for years to come!

Andrew L.

Not only did Justin find us better coverage with a better rate, he took the time to explain what all of the options included. His dedication to providing excellent customer service makes the whole process very easy. We left his office with a great feeling knowing we are working with someone that makes his customers interests his top priority.

Response from the owner: Andy & Kelly, I appreciate your review & your continued business! It is my duty as your agent to educate you on every option you have available. With so many drastic & swift changes happening in the insurance industry right now, there has never been a more important time to know & understand your insurance policy top to bottom. Having an extensive review like we did ensures you understand your policy coverages & why they are so important these days. When the result is a more comprehensive & better policy as well as a significant premium savings to boot, it’s tough to beat that any way you look at it! It’s also a reminder of the importance & value an attentive & accessible agent can offer clients in unprecedented times like these. I look forward to working with you both for years to come!

Susie S.

Justin was amazing. He had all our questions answered and he was very knowledgeable. Terp Family Insurance is my number one in my book. Justin saved us over 500.00 dollars a year with even better coverage then my last insurance company. We very highly recommend Justin Terp Insurance.

Response from the owner: Susie, I appreciate your review & the opportunity to become your and Brian's agent! In the ever-changing insurance world, it is more important than ever to understand exactly what you are paying for and what coverage options are available. As companies make drastic changes and put more of the upfront risk into the hands of their clients with higher mandatory deductibles for example, choosing the right company to protect you should be priority # 1. I would argue that premium is even less important than it has been in a long time vs. coverage and the "peace of mind" a high-quality policy provides these days. It could mean thousands out of pocket at the time of a claim vs. saving a few hundred dollars in premium each year. In your case, not only were we able to save you hundreds of dollars, but we also enhanced your coverage significantly with many bells & whistles. Tough to beat that result any way you look at it! I look forward to working with you and Brian for years to come!

Sydney C.

Great experience working with Justin! Exceptional service, prompt and timely with replies and thorough answering my questions. Highly recommend!!

Response from the owner: Sydney, I want to thank you and Derek for your business and your review! It's more important than ever to know and understand your policies. As the insurance world drastically changes and will continue to change, everyone should be asking the questions you asked along the way! As agents, we appreciate that especially in this environment. Our thorough review we held in the office helped put context to not only what individual coverages you have and why they're important on your new policy, but also insurance in general. Once you understand both, you can make the best decisions possible when it comes to your individual policy. I appreciate the opportunity to become your agent and I look forward to working with you and Derek for years to come!

Ryan P.

Its a great honor to work withJUSTIN at terp family insurance. Great communication, great personality .its always a pleasure to work with justin. I highly recommend going to see justin to get insurance. Thanks again justin for getting my business. #SAVINGMEMONEY .

Response from the owner: Ryan I appreciate the business and the review! I couldn't have been more pleased with the plan we were able to put together for you and Cassie. Trying to find the balance between what is affordable and necessary coverage wise is always the goal. When we are able to write better coverage for significantly less premium there is simply no better end result! I look forward to working with you both for years to come!

Mandy S.

Fantastic customer service! I would highly recommend them.

Response from the owner: Mandy, I want to thank you and Ralph for the business and the review! I've enjoyed getting to know you both and appreciate the opportunity to become your agent. It's never been more important to understand your insurance policies so you can have the proper protection in place. We were able to significantly increase your coverage across the board, put an umbrella in place and add countless enhancements all while still saving premium in the end. It's tough to beat that scenario! I look forward to working with you both for years to come!

Matthew P.

Justin was awesome to work with. He went over what we were purchasing to make sure we had the right coverage as well as reviewing the coverage for our policies for Home and Auto. He is very timely to respond to questions. Would definitely recommend Terp Family Insurance if you are looking for an insurance agent!

Response from the owner: Matt, I want to thank you and Gabby for the business and the review! There is no better time than right now to understand your insurance coverage and what you are paying for. There are so many ways to protect yourself against the unforeseen, and as your agent it is my duty to make sure you have an in depth understanding of all your options. As weather continues to become more and more severe, the peace of mind an excellent insurance policy provides can be invaluable at the time of a catastrophe. For the cost of a few tanks of gas, you can sleep well at night knowing you are well covered by a company that cares about you as much as your agent does. I look forward to working with you both for years to come!

Laurie S.

Justin has been a pleasure to work with! We had been with our previous insurance company for 40 years without any reassessments in the last 25 or so years, no major claims, yet our premiums kept increasing. We checked with Justin for alternative insurance coverage and were pleased with the results. Not only do we have much better coverage, but our premiums are significantly lower. Justin was pleasant, kind, and very thorough. He explained things in a way that was easy to understand. I would highly recommend Justin Terp Family Insurance. Our only regret is that we didn't make the change sooner!

Response from the owner: Laurie & Greg, I want to thank you both for the opportunity to become your agent and for the review! When assessing policy options for my clients and potential clients, coverage is my focus over and above everything else. A premium savings, if there is one, is simply icing on the cake. When we get used to the same old coverage and paying the same old bills, it is in our nature to assume we are getting the most out of what we pay for. I, like everyone else, have the same mindset for many things. However, when it comes to something as important as your insurance coverage, my goal for new, existing and potential clients alike is the same. You need to understand not only what you pay for, but why you are paying for it. Once you understand a certain coverage for example, I'm not selling you anything. You are weighing what things look like if you have the coverage vs. what things look like if you don't. If no one takes the opportunity to explain these things, what good is having an agent these days? No one is happy if they saved $40 by declining a coverage when/if down the road you need the coverage and chose not to have it. Having an agent who takes the time to sit down and discuss these things is of the utmost importance, especially as we all navigate the rough seas in this current environment where Mother Nature continues her relentless attack on us weather-wise. It has been great getting to know you both and I look forward to working with you for years to come!

Monica N.

Justin was extremely through in reviewing our current coverage and in moving us to another insurance carrier for our home and vehicles. The new coverage is more comprehensive and the annual premium is less than we were quoted by our former insurance agent and carrier. Justin is very personable and made this change seamless. Would highly recommend Terp Family Insurance!

Response from the owner: Monica & Loren, I want to thank you for the business and the review! I'm not sure there could have been a more perfect scenario when it came to the design and set up of your new policy. We enhanced coverage across the board in countless areas which should be any agent's number one goal. Worry less about premiums, and focus on where coverage can and should be enhanced. Once we accomplish that, the hope is obviously that premiums are in line or close to your existing premium. More often than one would think, the situation ends up working out like yours did and not only do we have a much more comprehensive policy, but we saved hundreds and hundreds of dollars in premium in the end. That is a win win situation any way you look at it! Better coverage & better premiums all after a top to bottom in depth comparison and insurance refresher that we all enjoyed having! I love those kinds of meetings and building relationships with people like you is why I absolutely love my job. I look forward to working with you both for years to come!

Mike K.

After using the same company for many years and never being asked to review or change anything as our family grew I decided to reach out to Justin to see what he had to offer. I am glad I did as our current coverage was nowhere near what we needed. Justin took the time to give us “insurance 101” and explain everything to us. To top it off, we have a lot more coverage for close to the same price we were paying!

Response from the owner: Mike, I want to thank you and Melissa for the business and the review! I really enjoyed sitting down with you both last week for our initial meeting so we could all get to know one another. It is so important these days to have an accessible agent who can sit down and explain your insurance coverage top to bottom. It takes a long conversation to help clients make sense of what it all means. Even more importantly, it's your agent's obligation explain the importance of having solid, adequate protection limits as well. When we put all these things into perspective, those initial meetings can be extremely eye opening once you fully understand the risks we can face on a daily basis. There is no better time than right now to check all those boxes and understand 100% what you are getting for your premium dollar. To think we were able to enhance virtually every facet of your coverage for a similar premium amount than your current plan is pretty amazing when you think about it. I look forward to working with you and Melissa for years to come!

barbara W.

Justin was a joy to work with. He was able to meet with me at work which was a huge bonus for me. Justin also made sure I knew exactly what I was purchasing and the benefits of it over the policies I did have. Plus he was quick to answer any questions I had. It was a pleasure to work with him.

Response from the owner: Barbara, I want to thank you for giving me the opportunity to become your agent and for your review! It has been great getting to know you over the last few weeks and I'm happy we were able to get your new policy taken care of. These days customer service has become a lost art. I for one attempt to buck that trend every day when I unlock the doors to my office. Customer service is what separates me from many other agents and it's my duty not only to help you understand exactly what you are purchasing for your hard earned dollars but to be accessible any time you need me. At Terp Family Insurance, you aren't just a number, you're part of a family :). I look forward to working with you for years to come Barbara!

Lily G.

Jason was great to work with! He was friendly and took time to explain the details and benefits of our policies. Jason found policies with a top rated company that provided superior coverage at a lower rate. As a added bonus I received an additional discount as a nurse. Thank you, Jason!

Response from the owner: Lily & Gary, it's always a balancing act between coverage and premium, especially when meeting a brand new potential client. As my clients better understand their coverage, they'll naturally become less focused on premiums and more focused on coverage. It's just the way things progress as the depth of understanding becomes more clear and concise. Insurance is expensive, but nowhere near as expensive as having a major coverage shortfall if something unforeseen happens. With the insanely scary weather our world continues to experience, it's never been more imperative to be covered adequately. In lengthy meetings and discussions, we cover all the bases and leave no stones unturned. How can an agent you've never seen or met or an agent you met 8 years ago and haven't seen since, have any clue what your needs are right now? Find an agent you can rely on, get a hold of easily and communicate seamlessly with because you owe that to yourself and everything you've worked hard to own. I look forward to working with you both for years to come!

gary G.

Awesome customer service. Justin takes the time to explain your policies. Accommodates your schedule. Saved us money and got us better coverages. Thanks for your hard work.

Response from the owner: Gary & Lily, I want to thank you for giving me the opportunity to become your agent. It is an obligation I take very seriously and it is much appreciated! I do my best not only to exceed every expectation for my existing clients, but I do the same for potential new clients. Accessibility is the key for solid & reliable communication. Oddly, this is a piece of the "customer service" puzzle these days which is so often missing. There is NO excuse in 2023 to allow communication to break down...ever. Be it texting, emailing etc., if you ever feel like you aren't appreciated and are just a number with your current agent, come see me. Be part of the family at Terp Family Insurance and I promise you'll never experience that again. I look forward to working with you both for years to come!

Sara K.

Meeting with Justin was hassle-free. Very friendly and easy to talk to. Answered all our questions and then some. Would definitely recommend to friends and family!

Response from the owner: Sara & Keith, I want to thank you for the business and the review! It was great meeting you both and I appreciate the responsiveness. Communication is key as we put the puzzle pieces together to get you all squared away. You came to me with your existing coverage through a great company, we are just going to enhance your existing policy and make it much, much better. The key is finding an agent willing to take the time to explain why those enhancements are not only worth consideration, but to help you fully understand how important the "peace of mind" provided by that improved policy truly is. I look forward to working with you both for years to come!

Kate V.

Justin has been a pleasure to work with! He was available to answer all of my questions. Insurance can be a bit confusing, but he was able to explain things to me in a way that I understood. He worked hard to find the best solution for my coverage. I look forward to continue working with Justin!!

Response from the owner: Katie, I want to thank you for the business and the review! It has also been a pleasure working with you and I appreciate the opportunity to help you and Nolan with your insurance coverage. When dealing with insurance for the first time on your own, an attentive and communicative agent is invaluable. At a time when most people think, "I just want any old inexpensive policy so I can check that box off my list," there couldn't be a worse possible approach. Now it's more important than ever to have a solid insurance plan so you are properly protected. In these cases, I take great pride in educating my clients to a point where they understand their options 100% so they can make the decision best fit to their specific set of needs. If I do my job effectively rarely, if ever, will anyone say I want the least expensive most watered down policy you can provide me. You can rest assured knowing that you have an agent who is a text message or phone call away who is looking out for your best interests and your best interests only. I appreciate the years of loyal business I've done with your parents Katie and am honored to continue working with you as well. I look forward to working with you and Nolan for years to come!

Judy B

Over the last year we have had the pleasure to work with Justin. Our parents passed away and we had many things to deal. Justin was there insurance agent and he provided us with exceptional service. We even had to run a claim through him and all was handled very efficiently. He responds quickly and is there for you!

Response from the owner: Judy & Rob, thank you for the kind words and for working with me over the last year! Even after Rob's parents had passed, there was still an awful lot of lose ends that needed to be tied up. I can't imagine making all those puzzle pieces fit without an accessible insurance agent helping assist you with everything we worked through. Insurance companies often times cut ties at the first chance they possibly can, but not the insurance companies I work with. A strong relationship between an agent and his/her underwriter is imperative to a seamless transition when an unfortunate event occurs. I was able to get some leeway from my Secura underwriter who understood everything your family was dealing with and willingly gave us extra time to help wrap up all those necessary lose ends. It was a pleasure working with Sandy, you and Rob over the last year and I'm glad you can finally close this chapter. If you ever make it back to this area, I bet I know who you'll look up to become your insurance agent! Have a Merry Christmas and a Happy New Year in sunny AZ!

Ben G.

Justin was amazing to work with. He is extremely knowledgeable and the whole process of switching insurances was quick and easy. The speed of response time from Justin with any questions or concerns is unlike any other business I have ever dealt with. If you are looking for a new insurance agent, look no further!

Response from the owner: Ben, I want to thank you and Brittany for the continued business and the review! Efficiency, seamlessness and responsiveness all make today's communication process easy and simple. I strive to exceed all expectations for my clients and can promise an excellent customer experience. Whether you are an existing or potential client you can always count on a timely response. As a one person operation, you only work with me. I cannot tell you how many times throughout my career frustrated people come to me and say, "I've never even seen or met my agent." Why settle for that? I walk you through the entire process start to finish with almost 20 years of industry experience. No stone goes unturned. As Ben describes above, we have another satisfied Terp Family client that will always have an agent who values their business as much as they value the things I help them protect. Ben & Brittany, I look forward to working with you both for years to come!

Kimmi F.

I was referred to Justin at Terp Family Insurance and had a very wonderful experience!He is very knowledgeable, took the time to go over every option for the insurance I needed and making suggestions. I’ve never had an insurance agent or carrier take the time to go over everything as well as explain it and with detail, or that was willing to answer my million questions.He saved me a whole bunch and my new policy on my vehicle insurance is a much better policy with a lot more coverage than I had before.I would absolutely recommend going here for any all Insurance needs! I had a great experience and feel very secure in knowing my vehicle is covered and I have a reliable agent to reach out to at any time that will communicate with me and treat me like a person rather than just another number.He definitely made me feel like family and very comfortable knowing I’m getting good coverage from an honest person with actual good intentions and care ♥️

Response from the owner: Kim, I want to thank you for the business and the review! I am thrilled with the policy we were able to put into place for you. It was a quick and seamless process and as you mentioned above, it was an informative one as well! There is no better time that right now to understand your insurance coverage and why it is so important these days. As your trusted agent, it is my job to advise you and help you understand what you are paying for. It doesn't matter one bit to me how long that process takes or how many questions get asked. That's why I'm here and this is another great example of how communication is key to a great experience. You have questions, I have the answers and if anyone reading this review ever feels like you are bothering your insurance agent when you call his or her office, it's time to find a new one. Kim, I look forward to working with you for years to come!

Steve B.

Justin made sure we had the right coverage at this time in our lives. He made the whole process easy with only one stop to the office. If your looking for insurance or to make a change give Justin a call.

Response from the owner: Steve I want to thank you and Denise for your continued business and this review! It was great to finally meet you Steve and I enjoyed our conversation. This day in age, I can't think of many things more important than making sure we are protected from the unexpected. With some simple changes we were able to add an umbrella and increase coverage in key areas to check off all the necessary boxes. In the end, for roughly the same cost of several tanks of gas, we were able to take an already good insurance policy and make it an excellent one. Having a full understanding of all available coverage options and why they are so critically important has ever been more necessary than it is today. I look forward to working with you and Denise for years to come!

Kathy K.

Justin was very knowledgeable and he helped us to understand our insurance coverage and gave us many options. We felt very comfortable in dealing with him. We feel that we have an insurance policy that will cover us for much more than our previous company, plus it saved us hundreds of dollars. After all is said and done, we feel like we made the right decision and we would highly recommend him to friends and family.

Response from the owner: Kathy & Mark I want to thank you for the business and your review! I appreciate you giving me the opportunity to become your agent. This was a perfect example of a quick, efficient process. We were able to sit down, have an extensive top to bottom review of your coverage and on the same day put a policy in place. After discussing all of your coverage options, we left no stone unturned when it came to your understanding of all the available coverage options. Not only did we put together an outstanding policy, we saved you a good chunk of premium as well. It doesn't get much better than that! I look forward to working with you both for years to come!

Mandy M

Justin was extremely helpful and responsive. He assisted us with combining policies as we combined our households. Highly recommend Terp Family Insurance!

Response from the owner: Mandy, I want to thank you and Neil for the business and the review! Purchasing a new home can be extremely stressful, so I strive to make the insurance end of things as simple as possible. Communication and responsiveness are always key to a smooth transaction. I work with excellent independent companies that care about my clients as much as I do. Combining households has many advantages and I'm thrilled with the insurance plan we were able to put together for you and Neil. We left no stone unturned when it came to added and enhanced coverages because these days, you just never know! I look forward to working with you both for years to come!

Pamela B.

Very professional and answered any and all questions that I had , no matter how many times I asked them, very knowledgeable, I know we are in good hands !

Response from the owner: Pam, I want to thank you and James for the business and your review! Honestly Pam, I love answering questions! The more the better. Insurance can be confusing and that is exactly why I make myself available anytime you need me. When you look at a 10 page insurance quote, it is enough to make your head spin right off your shoulders. If it has literally been years since someone actually sat down and reviewed your coverage with you, there is no way you could possibly have a solid understanding of everything involved these days regarding new coverage options etc. I'm here to help no matter when and where you need me. I'm a phone call, text message or email away! I look forward to working with you and James for years to come!

Jody K.

Friendly service. Understanding of situations. Made switching insurance easy and fast. Would recommend to others.

Response from the owner: Jody, I want to thank you and Ken for the business and your review! It has been a pleasure getting to know you both over the last week and I'm thrilled with the policy we were able to put together for you. After sitting down and discussing extensively all the different coverage options available at this point, you were able to customize a policy to fit your specific needs. At Terp Family Insurance, it's my job to make sure you have a full understanding of every available option. Then, with no pressure whatsoever, give you the ability to ask questions, take as much time as you need and decide on exactly what coverages you find necessary. A much, much harder job for you to do if you've never met your agent. I look forward to working with you both for years to come!

Garrett W.

Went to Justin for my small business. He made it by far the easiest part of starting a business. Telling everyone I know to go see him.

Response from the owner: Garrett, I want to thank you for the business and the review! I remember the anticipation and anxiety I dealt with when I started my business a little over 5 years ago. As you know, the stress in the days leading up to when reality starts to sink in is something that's hard to describe, or even remotely understand, unless you've experienced it yourself. With your last name on that sign, continuing a business that is truly a staple in our community is something you should be very proud of. I am as equally proud and honored to be the agent you chose to protect all that is near and dear to you and your family. It is an obligation I take very seriously and the ability to be your agent was all made possible by my partnership with an excellent independent insurance company and an equally outstanding underwriter. The companies I work with not only value small business as much as I do but their willingness to place trust in me as the agent is what gets me a YES answer where other agents get a NO answer. When most insurance companies will say, “Sorry we can’t help, or we just aren’t interested right now” you can sleep at night knowing you have an agent and a company who took the same chance you did from day one! I look forward to working with you for years to come Garrett!

Joy K.

A very personable an informative employee/owner? Gave me information. Will return at a later date if it will be needed

Response from the owner: Joy, thank you for your review! I appreciate you reaching out a handful of times in the past and giving me some opportunities to help you out with your insurance coverage. I'm confident things will work out and hopefully at some point in the future, we'll be able to do business together. Until then I wish you the best and look forward to hearing from you down the road!

Gary P.

We're fairly new to the area and a family member recommended Justin and Terp Family Insurance. We got top rate treatment. Justin put together an amazing insurance pkg for us for a price that was far below anything we've paid for insurance ever. He not only knows and does his job well but he cared about us and made sure we understood all the options so we could make informed decisions. Justin was a delight to work with! So glad we found him!

Response from the owner: Gary I want to thank you and Jana for the business and the review! It has been a pleasure getting to know you both and welcome back to the area! We were able to package all of your coverage (home, auto & umbrella) with an outstanding local company and save hundreds of dollars in premium vs. what you were paying before. After a top to bottom review of all the policy options you have available, you were able to make the "informed decisions" everybody needs to be making when it comes to something as important as your insurance coverage. Please let Justin know I greatly appreciate the referral and please tell him hello from both myself and Tanya! I look forward to working with you and Jana for years to come!

S. P.

Justin is so professional! In addition to being knowledgeable and competent, he's also personable and friendly. I actually enjoyed talking with him about insurance. He's very good at his job: I am still amazed at how quickly he arranged for my policy. I highly recommend him!!! Thank you, Justin!

Response from the owner: Shirley, I want to thank you for the business and the review! I'm thrilled I was able to help your family out and give you a quick turn around on some "peace of mind" with the new policy we were able to put into place. It's been a pleasure working with you and communication was absolutely key to a quick, simple and efficient process. Without your ability and willingness to quickly respond and answer questions things wouldn't have gone nearly so smoothly. For that, I can't thank you enough! I look forward to working with you for years to come!

Clay K.

Justin took time to get to know his client which in the long run helps me trust he has best intentions for me. He has been recommended by many others I know and I am doing the same. Highly recommended.

Response from the owner: Clay thank you for the review and the business! It was great getting to know you and Rachel during our meetings. Getting together and having those discussions is a very important piece of the "protection puzzle." The more information I'm able to gather as your agent, the better for many reasons. It helps us customize a coverage plan most suited to your specific needs. As I recently surpassed the 5 year anniversary of starting this business, the fact that you mention I've been recommended by many others is humbling. I work hard to take care of my clients and try to exceed every expectation so that means a great deal to me sir! I look forward to working with you and Rachel for years to come!

Courtney H.

Justin made everything quick and painless! He is very flexible and wonderful to work with.

Response from the owner: Courtney, I want to thank you for the business and the review! Both are greatly appreciated and I'm thankful you gave me the opportunity to help you out. Quick and painless is a perfect way to describe what every insurance transaction has the ability to be these days. Unfortunately for many people however, they have the exact opposite experience. Call an agency and talk to a service rep. Request a quote, then hope you hear back inside a week or 2. You don't hear anything so you call and get a different person who gets snippy and acts like you are bothering them. Unacceptable is the first word that comes to mind, but many other ones do too! At Terp Family Insurance you deal with me and only me. I'm your change processor, I'm the first person you call or text at 11:15pm on a Saturday night when you have a claim, I take your payment and shake your hand. The bottom line is, I'm your agent. Customer service is the cornerstone of this business and always will be. If you want a quick, painless experience with a flexible and accessible agent as Courtney describes above give me a call or stop by my office anytime! Courtney I look forward to working with you for years to come!

Matt S.

Saved us over $300 from our previous policy. Justin was excellent to work with. Very accessible, quick responses, and a great communicator. Would definitely recommend!

Response from the owner: Matt I want to thank you and Meghan for the business & the review! We were able to find you an excellent policy and save you a good chunk of premium at the same time! It's tough to beat that scenario any way you look at it. Communication is everything these days! Accessibility and ease of contact is one of the cornerstones of how I strive to operate my business for all my existing and potential clients. It sounds like we accomplished that goal for you as well sir! I look forward to working with you and Meghan for years to come!

Dean G.

Saved us about 30 % on our autos and home with an increase in coverage. We are totally happy with Terp Family Insurance

Response from the owner: Dean thank you very much for the review! I greatly appreciate the many years of loyal business you and Jan have given my family and I. I strive every day to provide my clients an excellent customer experience. Over the years this has resulted in outstanding and long lasting business relationships, of which ours is an excellent example. I am thrilled we were able to find a plan that not only fit your specific needs, but also happened to save you a significant amount of premium as well. I look forward to working with you and Jan for many more years to come!

Raquel R.

Thank you Justin for finding us better insurance coverage. You sat down with us and went through everything. He is very knowledgeable, friendly and we are definitely happy we made the switch to Terp Family Insurance.

Response from the owner: Raquel & Jason it was great meeting you both and I want to thank you for the business and the review! I am very proud of the fact that you were referred to me by both family and co-workers who are also my clients. At Terp Family Insurance, I strive to not only be 100% accessible to my clients 24/7 but to exceed every expectation people have ever had in dealing with an insurance agent. To me this is a relationship and my obligation is to protect everything you and your family hold dear. It's a job I take very seriously. A top to bottom review of current coverage and a thorough explanation of all the ways you can enhance your existing coverage and better protect yourself is the most important conversation you can have with an agent. It also happens to be the aspect of my job I enjoy most because it allows us to get to know each other and helps me fully understand what's truly important to you. I look forward to working with you both for years to come!

David O.

Justin met us at our home and thoroughly went thorough all of our options. He was very personable and friendly! He makes himself readily available to answer any questions we have!

Response from the owner: David I want to thank you for the review and for the business! It was great meeting you, Kelly and Emily a few weeks ago and I'm thrilled to have you all as new clients. We were able to enhance your existing coverage, put an umbrella in place and do it all for minimal premium vs. the added peace of mind. These days having an accessible agent is extremely valuable. By meeting in person we were able to discuss alternative options and I fully understood your situation once we spoke extensively. Often times, that simply can't be done effectively over the phone and via email. Not only is getting to know my clients the most important part of this job, it also happens to be what I enjoy most about it. It is how I maximize my value to you as your agent. I look forward to working with you and Kelly for years to come!

Emily O.

Justin came to my family’s home and was very personable and patient with explaining the benefits and details about the plans he was able to find for us. He was honest and down-to-earth.

Response from the owner: Emily I want to thank you and Josh for the business and the review! It has been a pleasure working with your family and I'm thrilled with the policy we were able to put into place for you. One of the great benefits of working with an independent agent is the ability for the agent to shop with multiple companies. These companies are all competing for your business and are constantly enhancing their policies for the benefit or their clients. As your agent it is my obligation to be as informative as possible and to help you understand your policies and why having the right amount of coverage these days is so important. I think we accomplished exactly that! I look forward to working with you and Josh for years to come!

Joe M.

Justin Terp values his customers and provides great support.

Response from the owner: Joe, I want to thank you for the review as well as the continued business and support over the years! When I first wrote the policy for you and Ashley, we were able to save you a significant amount of premium and increase your coverage across the board. Because you had a youthful driver coming into the picture, it was a great time to shop your account with other companies to make sure you were getting the best coverage for your premium dollar. We were able to find you an excellent policy with a premium savings to boot. It doesn't get much better than that! I look forward to working with you and Ashley for years to come!

Thomas P.

Justin was great. He was personable, knowledgeable - just top notch all the way around. We switched from a State Farm agent to Justine and we are glad we did. Not only did we save some money but we also got better coverage. Also in our minds it's a plus that Justine is an independent agent who can give his honest opinion as to the best insurance for us and not some agent captive to a giant corporation who get dictated to.

Response from the owner: Tom I want to thank you and Sue for the business and for the review! It was great getting to know you both over the last few weeks and I couldn't be happier with the policy we were able to put in place for you. Significantly better coverage, more enhancements and all for much less premium. Single occurrence deductible, guaranteed replacement coverage on your home, matching siding and service line coverage to name a few! These days independent companies are very nimble. They constantly enhance not only agent/user experience but they are always coming up with ways to offer more enhanced coverages to clients as well. The beauty of an independent agent is we will always have excellent companies competing for your business at any given time. It is a win win any way you can spin it! I look forward to working with you and Sue for years to come!

Preston

I met with Justin Terp to review my entire insurance plan. I wanted to update it and to really understand exactly what we had. Justin was very professional and I feel that he saved me money, plus increased my coverages at an extremely low cost. Would highly recommend Terp Family Insurance.

Response from the owner: Preston I thank you for the continued business and for the review! It was great meeting you and I enjoyed our conversation. The "personal insurance review" is terminology I've used as long as I've been in the insurance industry. Everyone's situation is unique and the way you maximize my value to you as your agent is to sit down and discuss/review your coverage top to bottom. We find out which coverage enhancements make sense and which coverage options are available. How can we maximize your premium dollar? This is the important question a thorough review helps us both answer. In the end we took a great policy, made it even better and did so with very little change in premium. You can't beat that! I look forward to working with you and Sandy for years to come!

Hannah K.

Justin was GREAT when assisting us with our insurance! He explained everything thoroughly and made sure that we were happy with our plan at the end of it all. Highly recommend Justin to anyone looking for insurance! Thank you, Justin!

Response from the owner: Hannah I want to thank you and Matt for the business and the review! It was great getting to know you both recently and I am thrilled with the plan we put in place for you. Taking advantage of your parents longevity and loyalty to Secura, the company offered an excellent policy longevity discount which meant we were off to a great start. With the flexibility of a great independent insurance company, an outstanding underwriter/agent relationship we were then able to combine Matt's policy into the mix with prior approval. It was a win win for everyone involved and I look forward to working with you both for years to come!

Steve M.

Justin reminded me of the old days when your agent came to your home to discuss your insurance needs. He covered everything we needed, including assurance if something does happen to call him immediately, at the same time we now have more coverage for 1200 bucks less each year on a home/auto policy. Justin is a very friendly and caring agent, give him a call you have nothing to lose. Thanks again Justin!!

Response from the owner: Steve I want to thank you and Jean for the business and the review! I love meeting new clients and communication wise, there is nothing better than a good old fashioned hand shake. It makes us feel less like we are only connected electronically via phone or a computer screen and we all need to feel that way once in a while. Especially these days! I am thrilled with the insurance policy we were able to put together for you. Better coverage, an umbrella policy and countless enhancements for $1,200/yr less than what you were paying before. That is truly amazing not only from a coverage standpoint but from a premium standpoint as well. I look forward to working with you both for years to come!

Coreen T.

Thank you Justin for taking your time to explain the details of our new insurance policies. We were very happy to save money and to have better coverage.

Response from the owner: Coreen I want to thank you and Greg for the review and the business! It was great meeting you both and I enjoyed our conversation. Insurance can be boring and impersonal but yesterday's meeting was a perfect example of how that certainly doesn't have to be the case whatsoever. Taking the time to explain each and every coverage endorsement available to you is what every agent out there should be doing. If you aren't aware of some of the new coverage options available out there, how can you really make an informed decision as to whether or not you'd find value in having them? Saving a significant amount of premium with significantly better coverage is an excellent combination and it doesn't get much better than that! I look forward to working with you both for years to come!

Doris G.

Friendly and professional give you the best options and best coverage.

Response from the owner: Glenn & Doris thank you for the review and for the business! It was great meeting you both today and I'm thrilled with the new policy we were able to put into place for you. It is certainly tough to beat more comprehensive coverage for significantly less premium. As an independent agent I represent several outstanding companies who are all competing for your business. These companies are constantly enhancing policy coverages to differentiate themselves from their competitors. It is a win win because as the consumer, you always have a handful of excellent companies to choose from, all of which are consistently improving things to benefit their policyholders. I look forward to working with you both for years to come!

Debbi T.

Very professional and friendly. The agent took the time to explain the policy. I saved about $600,00 over my previous policy.

Response from the owner: Debbi I want to thank you for the business and the review! I cannot tell you how thrilled I was with the final results of our meeting today. Not only did we save you a significant amount of premium, your new policy is “night and day” more comprehensive than your last policy. We took the time necessary for you to fully understand each and every facet of your new coverage plan and the best part is, we wrote you a home, auto and umbrella policy for $600 less than you were paying for just a home and auto policy with your exsiting company. Wow, is all I can say about that! I enjoyed our conversation a great deal and it has been great getting to know you. I look forward to working with you for years to come!

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