5 /5 D Virginia (Ginny): We needed condo insurance and were fortunate to work with Kristen. While other local companies took our information and promised to give estimates, they never delivered. Kristen found a range of estimates and offerings, even though it was Thanksgiving week, and called to go through each of them. She answered all of our questions and offered suggestions. She was professional, courteous, and warm. I would highly recommend 3rd Generation and Kristen.