Serpe Insurance Agency

09/29/2026

If you’re navigating health insurance for the first time, it can be hard to know where to start when choosing a plan that actually fits your life, especially when you’re navigating countless acronyms and plan types. The good news is that once you understand the basics, the decision can become much clearer.

Swipe through for a straightforward breakdown of the most common individual health insurance plan types and what each one means for you.

If you’re curious about getting started with health insurance or simply want to start exploring different plan options, don’t hesitate to reach out. We are here to help you take advantage of your coverage.

09/28/2026

Trying to make sense of Medicare coverage options and costs? You're not alone. With so many different parts and plan choices, understanding how Medicare works can feel overwhelming at first.

With that in mind, we have put together a simple breakdown of the main parts of Medicare and what they typically help cover. Swipe through to learn more.

If you have questions about Medicare or want help reviewing your options, contact us anytime. We're here to help.

09/28/2026

The Hidden Liabilities of Your Parked Boat, RV, or ATV

When the temperatures drop and most recreational seasons wind down, boats, motorcycles, and ATVs across the country get tucked away for a long winter's nap. Storage units, garages, marinas, and covered lots become second homes for recreational vehicles until spring calls them back into action.

09/26/2026

Theft prevention is top of mind for many homeowners. Not only can it be deeply unsettling for your space to be invaded, but burglary can also represent significant financial losses for homeowners.

The good news is that a few simple prevention tips can go a long way toward protecting your home. Swipe for more.

While these tips can help deter burglars, they cannot fully prevent theft or mitigate the effects of a home invasion. That’s why it can also be crucial to ensure your homeowners insurance not only includes theft coverage, but that the coverage fully protects your home and belongings.

That said, if you have questions about your homeowners coverage and how it can help protect you in the event of theft, don’t hesitate to reach out to our team. We are here to help you.

09/25/2026

Choosing the right health insurance plan is one of the most important financial decisions you can make. A high-deductible health plan might save you money every month, but is it actually the right fit for you? Swipe through to find out.

Have questions about your health coverage options? Give us a call, and let's talk through what makes sense for your situation.

09/24/2026

Life has a way of moving quickly, and certain changes, whether expected or not, can affect your health insurance coverage in ways that aren't always obvious at the moment.

Some life events trigger a Special Enrollment Period, a 60-day window before or after the event during which you can enroll in or update your coverage outside the standard Open Enrollment Period. If any of the following have happened in your household over the past year, it may be worth a conversation:

🔵Getting married, divorced, or welcoming a new child into your family
🔵Moving to a new ZIP code, county, or state
🔵Turning 26 and coming off a parent's plan, or losing job-based coverage
🔵Changes in your income or household size
🔵Turning 65 and becoming eligible for Medicare, or becoming a U.S. citizen

If anything on that list sounds familiar, we'd love to connect to see how we can help you during a Special Enrollment Period. Give our team a call, and we can get started.

09/23/2026

Managing Medicare costs can feel overwhelming, especially as premiums and healthcare expenses continue to rise. The good news is that there are several ways to make your coverage more cost-effective while still getting the care you need. Swipe to learn more.

If you have questions about your Medicare options or want help finding coverage that fits your needs and budget, contact us today. We are here to help you make informed decisions with confidence.

09/22/2026

Can you believe there are only 100 days left in the year? Before the final stretch gets away from you, it is worth pausing to ask one simple question: has your life changed this year?

A new car, a home purchase, a career change — these are the kinds of milestones worth celebrating. They are also the kinds of changes that can quietly create gaps in your insurance coverage if your policies have not kept up.

Here are some of the most common life events that can affect your coverage:

✅ You bought a new home or renovated your home. A new home purchase or extensive renovations require coverage that reflects the property's true replacement cost, not just its market value.

✅ You purchased a new car. Purchasing a new car is a change that always merits a check-in about your insurance coverage, especially if you purchased a car worth more than the vehicle you were previously driving.

✅ Your family or household situation changed. Marriage, divorce, welcoming a new child, adding a teen driver, sending a child off to college, or welcoming an adult child back home are all changes that can affect your auto and homeowners coverage.

✅ You’ve acquired new valuables or heirlooms. If you’ve recently obtained or inherited new jewelry, art, or other collectibles, it may be worth reviewing whether these items would be fully covered under your current homeowners policy.

✅ Your income, assets, or career changed. A promotion, a new job, a side business, or an inheritance can all increase your financial exposure in ways your current coverage may not reflect.

If any of these sound familiar, our team would love to take a few minutes to review your policies together and ensure everything still aligns with where you are now. It's a simple conversation that can make a real difference.

Feel free to reach out anytime. We are here to help ensure your coverage keeps up with your needs.

09/21/2026

Medicare Annual Enrollment begins October 15th, which means now is the time to watch for an important document from your current Medicare Advantage or Part D plan: your Annual Notice of Change (ANOC)

Typically mailed in September, and no later than September 30th, your ANOC outlines any updates that may take effect on January 1st. Even if you’ve been happy with your current coverage, reviewing these changes carefully can help you avoid unexpected costs or coverage gaps in the year ahead.

Your ANOC may include updates to:

✅ Monthly premiums and other out-of-pocket expenses.
✅ Prescription drug coverage and formularies.
✅ Doctor, hospital, and pharmacy networks.
✅ Copays, deductibles, and additional plan benefits.

Small plan changes can make a significant difference in your health care costs and provider access. Taking time to review your ANOC now can help you make more informed decisions during Medicare Annual Enrollment.

If you would like help understanding your plan changes or comparing your Medicare options before enrollment begins, contact us anytime. We are here to help you review your coverage and find a plan that fits your needs for 2027.

09/21/2026

RV Insurance vs. Auto Insurance: Understanding the Difference

If you have ever assumed your car insurance policy would automatically cover your new RV, you are not alone. Many new owners make this costly mistake, only to discover the gap in their coverage after an accident or theft has already occurred.