5 /5 Reed Shumaker: Terry Karstendiek restored my faith in insurance agencies. I was referred by a neighbor and he went on and on about how great she was for so long I finally agreed to reach out and it changed everything. She found that our home coverage was way too small, corrected it, and it still wound up being cheaper. She cut our auto insurance rates in half. I was astounded. But the best part - she checks in every year with an update, shops for better rates, and actually provides a proactive service so I dont have to think about it. Im very grateful to work with her.