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

Feeling the Effects of the Personal Lines Hard Market?

A hard market refers to a period when insurance premiums rise, and underwriting standards become narrower due to a variety of environmental, social, and economic considerations.

By understanding the forces behind these market dynamics, consumers can make informed decisions. As your insurance partner, we’ll provide insights on the market and explore cost-saving strategies while navigating the evolving landscape of personal lines insurance.


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 & apartments
  • Coastal, secondary & seasonal homes
  • Daily drive automobiles, exotic & collector cars
  • Jewelry, fine art & collectibles
  • Boats, yachts, personal watercraft & recreational vehicles
  • Umbrella & excess liability coverage
  • Travel/accident & trip interruption/cancellation insurance
  • Sewer/water & flood insurance
  • Identity theft restoration & cyber liability coverage
  • Equipment & breakdown coverage
  • Group personal liability insurance


Personal Lines - High Net Worth - Lake House

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

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.

Navigating Your Individual Health Coverage Options

The individual health marketplace can be complex and overwhelming. If you have questions or need help navigating your individual health coverage options, lean on the expertise of M3 Elevate’s Natalie Damro.

Connect with Natalie Damro

Access the Individual Health Enrollment Portal

Individual Dental Plans Available Through Delta Dental or Ameritas

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 partnerships with Delta Dental and Ameritas.


Explore Ameritas Dental Plans

On the enrollment portion of the Delta Dental quote form select “Natalie Damro” in the Broker Name field. If you have questions or concerns, please reach out to Natalie Damro directly.

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