I first called Josh when I lived out of state and was contemplating moving to the Idaho Falls. He took the time to make us feel we would be welcomed to the area. We did indeed buy a home and he was even kind enough to check on the house while I was still 2500 miles away. He has helped us with all of our insurance needs and helped us navigate the Obamacare maze . He has saved us thousands of dollars per year with his knowledge and expertise of the insurance industry.