5 /5 Henry Overton: Phil Schmitt has constantly worked to get our insurance rates down as low as possible. He is also incredibly responsive - answers our calls & emails super fast if not right away. But more importantly, hes a great guy. Kind, compassionate, and friendly. I dont know what else to say about him - I recommend him to everyone I talk to. If youre looking for insurance, you will be well served by making friends with Phil Schmitt and his team.