About Us
Independent insurance advisors helping American families and small businesses get cover they can actually rely on — since 2009.
Built by a family, for families
Family Cover Insurance started in 2009 with a simple frustration. Our founder, Daniel Brooks, had spent eighteen years working inside insurance companies and watched households get sold policies they did not understand, by people who would never answer the phone when a claim went wrong. When his own parents lost most of their savings to an under-insured house fire, he decided to build the advisory firm he wished they had been able to call.
Fifteen years later we are a team of licensed advisors, claims advocates and service specialists operating from our office at 2425 14th Ave S in Minneapolis. We are independent — which means we are not tied to any single carrier and we are not paid to push one product over another. We compare more than twenty rated insurance markets and recommend whichever one genuinely fits the family in front of us.
That independence changes the conversation. Sometimes the right answer is to keep the policy you already have and simply raise a limit. Sometimes it is to bundle. Sometimes it is to move. We are equally happy giving you any of those answers, because our reputation depends on being right rather than on being persuasive.
Milestones along the way
Two desks and one carrier relationship
Daniel and his wife Patricia begin advising neighbours on homeowners and auto cover from a shared office on Nicollet Avenue.
Health and life lines added
We bring in licensed health and life specialists so a family can cover everything without juggling three brokers.
Claims advocacy becomes standard
Every policy now includes a named claims advocate — our single most requested feature and the reason clients stay.
Pet, travel and small business cover
The last three lines complete our promise: one advisor for absolutely everything a household owns or loves.
18,500+ families and counting
Servicing clients in all 50 states from our Minneapolis office, with a 4.9/5 average review score.
Mission, vision and the values we actually work by
These are not words on a wall. They decide how we quote, what we recommend and who we hire.
Our Mission
To make sure no American family ever discovers a gap in their cover on the worst day of their life. We do that by explaining insurance honestly, comparing the whole market, and staying reachable afterwards.
Our Vision
A country where buying insurance feels like hiring a good accountant — calm, transparent and genuinely in your interest. Every recommendation we make is one we would give our own parents.
Our Values
Plain language over fine print. Advice over sales pressure. Local accountability over anonymous call centres. We measure success in claims paid properly, not policies written quickly.
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Years advising families
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Households & businesses protected
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In claims our advocates have supported
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Of clients renew with us each year
The advisors who will actually answer your call
When you work with Family Cover you get a named advisor and their direct line. Here are a few of the people you will meet.
Daniel Brooks
22 years in personal lines insurance. Daniel started Family Cover after seeing how confusing buying protection had become for ordinary households.
Amanda Foster
Amanda leads our advisory desk and makes sure every family has one named person to call — not a queue.
Carlos Mendez
Former adjuster who now sits on the policyholder's side of the table, guiding families from first notice to final payment.
Rachel Kim
Rachel designs liability and property programmes for the small businesses that keep Minneapolis neighbourhoods running.
Six commitments every client gets in writing
One advisor, one number
You will always know who handles your policies and how to reach them directly.
Yearly re-shop at no cost
We re-run your cover against the market every renewal, whether you ask or not.
Claims advocacy for life
We document, chase and negotiate every claim we place, free of charge.
Written recommendations
You get the reasoning behind our advice in writing, so you can decide calmly.
No data selling, ever
Your details are used to insure you, nothing else. Read our privacy policy for the specifics.
Honest 'do nothing' advice
If your current policy is already the best deal, we will tell you to keep it.