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Professional insurance advisor reviewing policy with client
Independent · Unbiased · Trusted Since 1998

The Right Coverage.
The Right Price.

Meridian is an independent insurance agency. We shop 40+ carriers to find policies that protect what matters most — at the best possible rate.

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25+
Years of Service
40+
Carrier Partners
12K+
Policies Managed
98%
Client Retention
Professional insurance advisor reviewing policy with client
A+ Rated Agency Better Business Bureau
A+ BBB Rated
Licensed in All 50 States
IIABA Member Agency
25 Years Independent
40+ Carrier Partners
$2B+ in Claims Paid
Coverage Options

Protection for Every Part of Your Life

From your home and car to your health and business, Meridian provides comprehensive coverage through the carriers that best fit your needs.

Most Popular

Home & Property

Dwelling, personal property, liability, and loss-of-use coverage for homeowners, renters, and condo owners. Flood and earthquake riders available.

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Auto Insurance

Liability, collision, comprehensive, uninsured motorist, and gap coverage for individuals, families, and commercial fleets.

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Life & Disability

Term life, whole life, universal life, and disability income insurance to protect your family and income if the unexpected happens.

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Business Insurance

General liability, BOP, professional liability, commercial auto, and workers comp for businesses of every size and industry.

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Health Insurance

Individual, family, and group health plans including HSA-eligible options, dental, vision, and supplemental coverage.

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Umbrella & Specialty

Personal umbrella, boat, RV, motorcycle, and high-value property coverage for unique assets and elevated liability needs.

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Meridian insurance advisor meeting with client
40+
Carrier Partners
Why Meridian

Independent Means We Work for You

Unlike captive agents who represent a single carrier, Meridian is 100% independent — giving us the freedom to find the best policy for every client.

40+ Carrier Access

We compare rates and coverage across 40+ top-rated insurance carriers to find the best fit for your specific situation.

Personal Account Manager

You get a dedicated licensed advisor — not a call center. Your advisor knows your policies and responds within hours.

Annual Policy Reviews

We proactively review your coverage each year to ensure you are adequately protected and not overpaying.

Claims Advocacy

When you file a claim, we stand beside you — communicating with the carrier, tracking progress, and fighting for fair payment.

Bundling Savings

Bundling home, auto, and umbrella policies typically saves clients 15–25% annually without sacrificing coverage.

A+ Rated Carriers Only

We only place coverage with A-rated or better carriers as measured by A.M. Best — protecting your claims in any market.

How It Works

Your Quote in 3 Simple Steps

01

Tell Us Your Needs

Fill out our quick form or call us. We gather basic information about your property, vehicles, and coverage goals — no pressure, no commitment.

02

We Shop 40+ Carriers

Your advisor compares rates and coverage options across our carrier network and presents you with the best 2–3 options within 24 hours.

03

Choose & Protect

Select your policy, complete the application, and your coverage is bound immediately. We handle all the paperwork.

Our Advisors

Licensed Experts You Can Trust

Our advisors hold active state licenses, carry ongoing education requirements, and average 12 years of industry experience.

Robert Harmon

Robert Harmon

Principal Agent & Founder

25 years in personal and commercial lines. Specializes in high-value property and business owners policies.

Licensed in 15 States
Angela Pierce

Angela Pierce

Senior Life & Health Advisor

Specializes in life insurance, disability income, and group health plans for families and small businesses.

Licensed in 12 States
James Nakamura

James Nakamura

Commercial Lines Advisor

Former risk manager with deep expertise in general liability, professional liability, and commercial auto.

Licensed in 20 States
Claims Support

We Stand With You at Claim Time

Filing an insurance claim is stressful. Your Meridian advisor is available to guide you through every step, communicate with the carrier on your behalf, and make sure your claim is settled fairly.

Call Us First

Contact your advisor immediately. We will tell you exactly what to document and what to say to the carrier.

We File For You

We prepare and submit your claim documentation, ensuring nothing is missed that could delay or reduce your payout.

We Monitor Progress

We track adjuster communications and push for timely response — you will never be left wondering what is happening.

Fair Settlement

If a settlement offer is insufficient, we advocate for you — requesting reinspection or appraisal as needed.

Claims happen. We are ready.

When you need us most, your Meridian advisor picks up the phone — day or night. Our team has guided thousands of clients through the claims process with fair, fast results.

+1 (800) 555-0199 Claims Hotline — Available 24/7
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Our Carriers

Top-Rated Partners

Travelers
The Hartford
Nationwide
Chubb
Liberty Mutual
Progressive
Safeco
Erie Insurance
Auto-Owners
Markel
Client Reviews

Trusted by Thousands

4.9
1,800+ verified reviews

"After my house fire, the Meridian team handled everything. My advisor was on the phone with the adjuster three times a day. I received a fair settlement within 30 days."

Thomas and Linda Avery
Thomas and Linda Avery
Home & Auto client, 14 years

"I switched from a captive agent and saved $1,200 per year on the same coverage. The process took one phone call and an hour of paperwork. I wish I had done it sooner."

Kevin Strauss
Kevin Strauss
Home, Auto & Umbrella client

"As a small business owner, I needed general liability and commercial auto but had no idea where to start. Angela walked me through everything, shopped 8 carriers, and had me covered in 48 hours."

Diane Petrov
Diane Petrov
Business Insurance client
FAQ

Common Insurance Questions

An independent agent represents multiple insurance carriers — not just one. This means we can shop the market and find the best coverage at the best price for your situation, rather than being limited to a single company's products.
Our advisory services are free to you. We are compensated through commissions paid by the insurance carriers when a policy is placed. This means you get expert guidance at no additional cost.
We recommend an annual review at minimum. Major life events — buying a home, getting married, starting a business, adding a teen driver — should trigger an immediate policy review.
Absolutely. We offer free policy comparison reviews and can often find better coverage, lower rates, or both. Many clients switch mid-term and save significantly.
Each carrier has a 24/7 claims line, and our claims hotline is also available around the clock for guidance. We respond to claims-related messages within 2 hours, even on weekends.
Yes. We specialize in high-value property through Chubb, AIG Private Client, and PURE Insurance, providing agreed-value coverage and white-glove claims service.
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Get Your Free Insurance Review

No obligation, no pressure. An advisor will contact you within 2 business hours.

Comparison across 40+ top carriers — not just one company
Response within 2 business hours from a licensed advisor
Zero pressure — no obligation to purchase
Free annual review once your policy is in place

By submitting, you agree to be contacted by a Meridian licensed advisor.

Contact

Get in Touch

Office

1420 Harbor Blvd, Suite 300, Newport, CA 92660

Office Hours

Monday – Friday8:00 AM – 6:00 PM
Saturday9:00 AM – 2:00 PM
SundayClosed (claims hotline active)
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