What does an independent insurance agency do?

An independent insurance agency represents multiple insurance carriers rather than one. That allows us to compare coverage options and help you find a policy that fits your needs and budget, rather than limiting you to a single company's products.

Can you help me compare multiple insurance options?

Yes. Because we work with several carriers, we can request quotes from multiple insurers and walk you through the differences in coverage, deductibles, and price so you can make an informed decision.

When should I purchase homeowners insurance when buying a house?

It's best to start the conversation early in the homebuying process — ideally as soon as you're under contract. Lenders typically require proof of insurance before closing, so beginning early helps avoid last-minute delays.

Can I bundle my home and auto insurance?

In many cases, yes. Bundling home and auto coverage with the same carrier can offer convenience and potential savings. We'll help you compare bundled and unbundled options to see what works best.

Can you provide proof of insurance to my mortgage lender?

Yes. We can provide the documentation your lender needs, such as a declarations page or evidence of insurance, to help satisfy closing requirements.

Do you insure rental properties?

Yes. We help landlords and rental property owners explore coverage options designed for rental dwellings and the liabilities that come with being a landlord.

Do you offer business insurance?

Yes. We work with businesses on general liability, commercial property, business owners policies, commercial auto, workers compensation, and other commercial coverages. Availability varies by carrier and state.

Independent Insurance Agency

Insurance Made Simple. Protection Built Around You.

Riverstone Insurance Agency helps individuals, families, homeowners, homebuyers, and businesses compare coverage options and protect what matters most.

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Independent Insurance Options

Compare coverage options instead of being limited to one solution.

Personalized Guidance

Coverage recommendations built around the client's individual needs.

Responsive Service

Clear communication before, during, and after the policy is written.

Homebuyer Friendly

Assistance coordinating homeowners insurance with the mortgage and closing process.

Insurance Solutions

Coverage for every part of your life

Explore the protection options we help clients compare, with guidance from a local independent agency.

Homeowners Insurance

Protect your dwelling, personal property, and liability with coverage tailored to your home.

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Auto Insurance

Liability, collision, comprehensive, and roadside protection for the vehicles you rely on.

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Umbrella Insurance

Extra liability protection that extends above your home and auto policy limits.

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Renters Insurance

Affordable protection for your personal belongings and personal liability as a renter.

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Landlord / Rental Property Insurance

Coverage designed for rental properties and the unique risks of being a landlord.

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Personal Articles Insurance

Scheduled coverage for jewelry, fine art, collectibles, and valuables beyond standard policy limits.

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Recreational Vehicle Insurance

Protection for RVs, travel trailers, ATVs, and watercraft — on the road, off it, and on the water.

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Life Insurance

Term and permanent coverage to help protect the people who depend on you and the life you've built together.

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Business Insurance

General liability, property, and commercial coverage for growing businesses.

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Closing

ready, on time

For Homebuyers

Buying a Home? Let Us Handle the Insurance Side.

Coordinating insurance during a home purchase can feel overwhelming. Riverstone Insurance Agency helps homebuyers navigate the process from start to finish.

Obtain homeowners insurance that meets your lender's requirements
Satisfy lender insurance requirements before closing
Provide documentation needed for closing, such as proof of insurance
Explore bundling home and auto coverage for convenience and value

Get a Home Insurance Quote

Strategic Partnership

Buying a Home? We Can Help With More Than Insurance.

Riverstone Insurance Agency proudly partners with Riverstone Mortgage to help homebuyers simplify two important parts of the homebuying process — financing and homeowners insurance.

Whether a client is getting pre-approved, purchasing a new home, refinancing, or simply needs homeowners insurance for closing, our partnership helps create a smoother experience with clear communication between mortgage and insurance professionals.

Mortgage Financing — Connect with Riverstone Mortgage for home purchase and refinance options.
Homeowners Insurance — Get coverage in place for your new home and closing.
Coordinated Service — Mortgage and insurance professionals working together to help keep the process moving.

Get a Home Insurance Quote Visit Riverstone Mortgage

Riverstone Insurance Agency and Riverstone Mortgage are separate companies. Insurance and mortgage products are offered independently. Customers are not required to use either company in order to use the services of the other.

One Relationship

One Relationship. Multiple Ways to Protect What You're Building.

As your life grows, so does what you need to protect. We help you safeguard your homes, vehicles, families, businesses, investments, and financial future — all through one trusted local relationship.

Homes

Vehicles

Families

Businesses

Investments

Financial Futures

How It Works

A simple path to the right coverage

Tell Us What You Need

Share what you're looking to protect — your home, vehicles, family, business, or investments.

We Review Your Coverage Options

We compare options from multiple carriers and explain the differences in clear language.

Choose the Coverage That Fits

You select the coverage that matches your needs and budget, with our guidance along the way.

What clients say about Josh

Real reviews from clients who worked with Joshua Visser.

"Josh V helped us get a quote for our property and made it competitive with our previous insurance for much less. He was very easy to work with and walked us through the documents and transition to our new policy. Everything was very clear and he was also quick to respond. Highly recommend."

Nick Fritz

July 3, 2026

"I am relocating to the area and of course renter's insurance is a must. I contacted this firm and Josh was the agent I spoke with. The main thing I appreciated was he stayed a few minutes after closing to address my concerns and provided an estimate for my insurance within minutes. He made the process easy and his customer service was impeccable throughout the entire process. Thanks again Josh!"

TC Springs

June 4, 2026

"I had an amazing experience working with Josh. He took the time to walk me through every step of the insurance process and explained everything clearly and patiently — something no one else has done for me in years. Josh made what usually feels confusing and stressful incredibly easy to understand. He was professional, knowledgeable, and genuinely cared about making sure I felt comfortable and informed before making any decisions. I truly appreciate his honesty, attention to detail, and outstanding customer service. If you're looking for an insurance agent who actually takes the time to help you and not just sell you a policy, I highly recommend Josh."

Edwin Hernandez

May 29, 2026

"I can't say enough great things about Josh! From start to finish, he was professional, knowledgeable, and genuinely cared about helping me find the best coverage for my needs. He took the time to explain everything clearly and made the whole process easy and stress-free. It's rare to find someone who is not only efficient but also truly looks out for their clients' best interests. If you're looking for an insurance agent who goes above and beyond, I highly recommend reaching out to Josh. Outstanding service all around!"

Renee Lanzetta

March 22, 2026

"Josh Visser was phenomenal. I honestly wish I had switched sooner. He took the time to clearly explain everything and helped me find the best possible quote by bundling my auto and home insurance. We discussed several different options, and he walked me through each one in detail so I fully understood my choices. Even though the process took a little longer than I expected, Josh was extremely patient and made sure all my questions were answered, which I truly appreciated. Having a local agent who is available to answer questions and provide guidance makes a huge difference. I'm really looking forward to continuing to work with Josh and highly recommend him to anyone looking for great service and support."

Kevin Ta

March 12, 2026

"I had an excellent experience working with Josh to set up new insurance policies for both my primary home and a rental property. Josh was extremely knowledgeable, responsive, and took the time to clearly explain coverage options, deductibles, and any potential gaps. He made the entire process easy and stress-free, ensuring each property was properly insured based on its specific needs. Josh found comprehensive coverage at competitive rates and handled everything efficiently from start to finish. If you're looking for a reliable, professional insurance agent who truly looks out for your best interests, I highly recommend Josh."

William Tenbusch

January 26, 2026

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FAQ

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