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Personal Lines

Your assets and lifestyle are unique – and so are your risks. Working with an insurance partner who can only recommend basic coverage just isn’t going to cut it. Elevate your peace of mind with protection for your health, homes, vehicles, collections, and more by partnering with M3 Elevate.

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Private Client Group

Insuring Your Unique Risks

Our personal lines team offers candid, insightful advice on how to best insure your possessions and estate. We approach your portfolio through the lens of our experience, identifying gaps in your coverage and recommending innovative risk management strategies that will keep you, your family, and your lifestyle protected.

  • Homes, condos and apartments
  • Coastal, secondary and seasonal homes
  • Daily drive automobiles, exotic and collector cars
  • Jewelry, fine art and collectibles
  • Boats, yachts, personal watercraft and recreational vehicles
  • Umbrella and excess liability coverage
  • Travel/accident and trip interruption/cancellation insurance
  • Sewer/water and flood insurance
  • Identity theft restoration and cyber liability coverage
  • Equipment and breakdown coverage
  • Group personal liability insurance
Personal Lines - High Net Worth - Lake House

The CPRM Difference


Choosing an insurance partner that has experience protecting personal net worth, multiple homes, and high-value collections doesn’t have to be a shot in the dark. Just look for the Certified Personal Risk Manager (CPRM) designation.

An advisor with the CPRM designation can be trusted to handle all of the complex needs that an affluent family may have when it comes to insurance coverage. There are only a handful of CPRMs in Wisconsin, but two of them are a part of the M3 Elevate team.

Learn MORE About the CPRM Designation

Personal Lines - High Net Worth

Individual Health Plans

When you decide to pursue an individual health plan, you have the entire marketplace at your disposal. Working with M3 Elevate’s Natalie Damro ensures that you can feel confident knowing your plans fit your needs – and your budget.

Whether you’re retiring early, experiencing a gap in employment, or even if you’re an employer who wants to provide a resource to your 1099 employees, our consultative approach can simplify the process.


Individual Dental Plans Available Through Delta Dental

Whether you’re self-employed, transitioning from an existing dental insurance plan, retired, or just need dental coverage because your employer doesn’t offer it, we offer cost-effective choices for individuals and families through our partnership with Delta Dental.


Be certain to choose “Virginia Van Haren” as the agent on the quote form. If you have questions or concerns, you can reach out to Virginia directly.

Dental Insurance