Personal Insurance Expertise
for Over 50 Years
We specialize in personal lines insurance, helping individuals and families protect what matters most with thoughtful, tailored coverage.
Automobile • Homeowners • Earthquake • Personal Umbrellas • Fine Art & Jewelry Floaters
Protecting What Matters Most—
With Experience You Can Trust
We are a full-service, relationship driven property and casualty insurance agency that believes insurance should be practical, personal, and easy to understand. Our clients range from growing middle-market companies to high-net-worth individuals with complex assets—and everything in between.
You’ll find us knowledgeable, responsive, and easy to work with—focused on doing the right thing rather than pushing products.
Services Offered

Auto
Insurance
Protect yourself, your passengers and your vehicles.

Homeowners
Insurance
Protecting Homes
for Over 50 Years.

Health, Life & DIsability
Protect your family, business and long-term security.

Commercial Insurance
Insurance Structured to Protect your Business.
What Sets Us Apart
- We aren’t tied to one carrier. We shop multiple top-rated insurers to find the best coverage and pricing—so you get real choice, not a one-size-fits-all policy.
- Our goal isn’t to sell a policy—it’s to be your insurance advisor for the long run. We provide proactive reviews, ongoing support, and guidance as your risks evolve.
- Long-Term Relationships - We don’t disappear after the policy is issued. We provide ongoing reviews, proactive advice, and real advocacy if a claim occurs.
- From understanding carrier underwriting to managing claims support, our expertise allows us to anticipate issues before they become problems—saving our clients time, money, and stress.
- With 50+ years of combined industry experience, we’ve seen how policies perform when it matters most—during claims. That insight helps us design coverage that actually protects you.
Carriers & Partners














Client Reviews
Jeffrey Sanders
I’ve had an excellent experience with R.L Thomas Insurance and wanted to share how consistently supportive and professional their team has been. Every time I’ve needed assistance—whether asking questions about my policy or navigating a claim—they’ve responded quickly and clearly. It’s rare these days to find a company that communicates this well and truly makes you feel like a valued customer.
Overall, the combination of dependable service, fair pricing, and genuine customer care has made me feel confident that I’m in good hands. I highly recommend them to anyone looking for an insurance provider that actually delivers on its promises.
Michael Haina
I recently shopped for both homeowners and auto insurance through R.L.Thomas Insurance, and I couldn’t be more impressed. From start to finish, their team was knowledgeable, professional, and responsive. They took the time to explain my options in detail, helped me find the best coverage for my needs, and made the entire process smooth and stress-free.
It’s clear they care about their clients. I felt confident and well taken care of the whole way through. Highly recommend R.L. Thomas Insurance to anyone looking for great coverage and outstanding customer service!
It’s clear they care about their clients. I felt confident and well taken care of the whole way through. Highly recommend R.L. Thomas Insurance to anyone looking for great coverage and outstanding customer service!
Jeff S.
R.L. Thomas Insurance is absolutely fantastic! Their team is quick to respond, incredibly helpful, and always goes the extra mile to make sure I understand my coverage and feel taken care of. Every interaction has been smooth, friendly, and professional. I truly feel like they have my back. Highly recommend R.L. Thomas Insurance to anyone looking for top-notch service!
Marty Levy
Been insured with this agency for 25+ years. Amazing personl guidance and attentiion. You need a broker these days and this one is the best! Claims guidance is amaxzing (who does this anymore?). Recommend without hesitation!
Contact Us For A Quote
Smart Coverage. Real Relationships. Proven Experience.