Buck Buchholz-Country Financial

Buck Buchholz-Country Financial I look forward to learning about your needs and helping you achieve financial security.

We put together some information to help you understand the basics of a homeowners policy so you’re better prepared when...
07/18/2025

We put together some information to help you understand the basics of a homeowners policy so you’re better prepared when you need to purchase or switch insurance providers. This information is not specific to COUNTRY Financial and is meant to provide a general overview.

◾ What is home insurance?
Home insurance is protection for your home and possessions. You pay your home insurer a premium and in exchange, they agree to pay for the cost to repair or rebuild your home if it’s damaged or destroyed by a covered event (these are outlined in your policy).
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◾ What does home insurance cover?
Home insurance provides protection against damage caused by sudden and accidental incidents. A standard home insurance policy will usually include three main types of protection:
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◾ Dwelling Coverage
Designed to repair or rebuild your main home structure, dwelling coverage is the main protection provided by home insurance.
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◾ Personal Property Coverage
Personal Property Coverage allows you to replace items such as electronics, furniture, clothing and other belongings.
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◾ Liability Coverage
Liability Coverage provides financial protection for you if someone is injured on your property or a member of your household causes damage to someone else’s property. Umbrella insurance is added liability coverage that goes beyond the limits of your existing car and home insurance.
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◾ What is a covered loss?
Covered losses are events, sometimes called perils, covered by homeowners insurance. Talk to your insurance agent about the covered losses contained in your specific home policy.
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◾ How much is home insurance?
Factors affecting the cost of home insurance include: Location, age, size and condition of your home
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◾ How can I be sure I’m covered for a home insurance claim?
You choose how your property will be valued if you have a claim, and that affects the amount of coverage you have to rebuild. While it may vary by home insurer the levels of protection are actual cash value and replacement cost.
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Call me for a quote today!

Those big moments go by so fast. They’re easier to enjoy when you know you have the right protection. Switch your home a...
07/03/2025

Those big moments go by so fast. They’re easier to enjoy when you know you have the right protection. Switch your home and car insurance today. Message me to find out how.

07/02/2025

Sometimes, the business grows as quickly as the kids do. COUNTRY client Landon Parker experienced this first-hand. Kudos to him for reminding us to teach our kids how hard work and determination can lead to success.

We understand those values, too. That’s why if you’re a small business owner, we’re the right choice to insure your business.

06/05/2025

The COUNTRY Financial®️ vision is to “enrich lives in the communities we serve.” Jamie Green shares how a flexible schedule enables her to make a meaningful impact on the community while growing her COUNTRY®️ agency.

Looking to have more control over your time and income and help others?

06/04/2025

COUNTRY®️ is more than just an insurance company. For us, "more" means a brighter future for our clients and for our team of agents. Hear Bless Dollander talk about why our values make her proud to have chosen a career with COUNTRY®️.

Ready for a career that offers you more?

We put together some information to help you understand the basics of a homeowners policy so you’re better prepared when...
05/08/2025

We put together some information to help you understand the basics of a homeowners policy so you’re better prepared when you need to purchase or switch insurance providers. This information is not specific to COUNTRY Financial and is meant to provide a general overview.

◾ What is home insurance?
Home insurance is protection for your home and possessions. You pay your home insurer a premium and in exchange, they agree to pay for the cost to repair or rebuild your home if it’s damaged or destroyed by a covered event (these are outlined in your policy).
____

◾ What does home insurance cover?
Home insurance provides protection against damage caused by sudden and accidental incidents. A standard home insurance policy will usually include three main types of protection:
____

◾ Dwelling Coverage
Designed to repair or rebuild your main home structure, dwelling coverage is the main protection provided by home insurance.
____

◾ Personal Property Coverage
Personal Property Coverage allows you to replace items such as electronics, furniture, clothing and other belongings.
____

◾ Liability Coverage
Liability Coverage provides financial protection for you if someone is injured on your property or a member of your household causes damage to someone else’s property. Umbrella insurance is added liability coverage that goes beyond the limits of your existing car and home insurance.
____

◾ What is a covered loss?
Covered losses are events, sometimes called perils, covered by homeowners insurance. Talk to your insurance agent about the covered losses contained in your specific home policy.
____

◾ How much is home insurance?
Factors affecting the cost of home insurance include: Location, age, size and condition of your home
____

◾ How can I be sure I’m covered for a home insurance claim?
You choose how your property will be valued if you have a claim, and that affects the amount of coverage you have to rebuild. While it may vary by home insurer the levels of protection are actual cash value and replacement cost.
____

Learn about our home insurance coverage
https://cfin.us/Home-Insurance-101

A new year brings a new opportunity to get your finances on track. We can help. Here are a few ways you can improve your...
05/02/2025

A new year brings a new opportunity to get your finances on track. We can help. Here are a few ways you can improve your financial well-being in 2025.

1️⃣ Start by prioritizing your financial goals for 2025. What’s most important to you? Paying off debt? Increasing your retirement savings? Starting a college fund for the kids?

If you need to do all three, our team has some ideas to help you prepare:

▪️Don’t ignore the debt but have a specific plan on how to pay it off.

▪️Don’t sacrifice retirement savings for the college fund. (our team explains in the link below)

▪️While you think of saving, do you have plans for an emergency fund? That’s just as important as everything else on this list.

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2️⃣ Create a budget that supports your goals. Here’s how you do it:

▪️Take the time to review all of your finances/budget. All money in and out.

▪️Consider the “50-30-20” budget rule. 50% = monthly expenses. 30% = money for you (vacations, entertainment, etc.). 20% = retirement funding and planning for your future

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3️⃣ Look for ways to save on your insurance so you have more money for the 30 & 20 portions of your budget. Things you can do:

▪️See if you’re eligible for new discounts.

▪️Consider bundling home and auto insurance with one company.

▪️Look at your deductibles to see if you can find savings in a change.

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More tips, budget worksheets and calculators available at: cfin.us/FinancialResolutions

If you received an expensive gift this holiday season, you need to make sure it’s properly insured in the event somethin...
05/01/2025

If you received an expensive gift this holiday season, you need to make sure it’s properly insured in the event something happens to it. Here’s why:

• Typical homeowners insurance policies cover furniture, clothing and other personal possessions, but only up to a certain dollar amount.

• High-value items like jewelry, artwork, smart phones and computers may need additional coverage.

• Do you have any fi****ms or recreational vehicles (like ATVs, jet-skis, etc.)? Those would need to be listed on your policy as well.

The answer is easy: Talk to your insurance agent and make sure everything is covered properly.

While you think about having the right insurance protection, can you spare 10 minutes? That’s all the time you need to do a video inventory of the items in your home. Learn how: cfin.us/How-To-Add-New-Items-To-Your-Policy

Debt is a bummer. Fortunately, reducing debt isn’t as hard as you’d think. Here are two of the most common ways you can ...
04/30/2025

Debt is a bummer. Fortunately, reducing debt isn’t as hard as you’d think. Here are two of the most common ways you can attack your debt.
▪️Avalanche approach▪️
Credit card interest rates are typically higher than rates on cars, mortgages, student loans, etc. And to be honest, paying interest on debt is wasting your hard-earned money.
So that’s where you’ll start attacking debt with the avalanche approach.
Look at your most recent credit card statement and rank your debt based on interest rate, highest first.
Work towards making bigger and bigger payments on those high-rate cards and, over time, you’ll pay less interest each month.
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▪️Snowball strategy▪️
This approach takes a bit longer than the avalanche approach because you’re starting small, but it works better for some people.
Using the snowball strategy, rank your debts by the total amount owed, smallest balance first.
And just like in a snowball fight, start knocking down the debt one-by-one.
Pay your smallest debt as quickly as possible so you can cross it off your list. Once that debt is eliminated, move to the next smallest debt.
For both methods, make sure you’re making minimum required payments on all other debts.
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Pro tip: Use the money that was going to the now paid-off debt to make larger payments on remaining debt.

Debt doesn’t have to keep you down. Whether you choose the avalanche approach or the snowball strategy, working to pay off your debt will set you up for financial peace.

Your family and your farm are top of mind, but what about everything else? I want to help you protect all the things tha...
04/27/2025

Your family and your farm are top of mind, but what about everything else? I want to help you protect all the things that matter most today and help you plan for the future. You need protection for more than just your farm.
Whether you’re looking for insurance to protect your home or car — or a partner to help chart your financial future, you can trust me to find the best options for you.

Book a meeting with me today to see what options make sense for you and to take advantage of our competitive farm auto products and rates. You may qualify for additional savings.

04/26/2025

Winter is gone and spring has sprung, so now is a good time to check your property for any post-winter damage. Read on to find out how you can get your property in shape and avoid costly future damage with our spring home maintenance checklist:

1️⃣ Check your roof
Repair cracked or missing shingles and remove debris buildup, such as leaves and branches. If you have a newer roof or are planning to get a new roof, you may be eligible for a home insurance discount.

2️⃣Clean gutters and downspouts
Clear your gutters and downspouts of leaves and debris to help the spring rain flow freely from off your roof, reducing the chance of damage caused by a backup.

3️⃣ Check for other exterior damage
Repair torn window screens and weather stripping, cover holes and gaps where animals and bugs can get in and check the chimney for damage.

4️⃣ Check your smoke and carbon monoxide detectors’ batteries
These life-saving devices are a key deterrent for home fires, eliminating or reducing damage to your home.

5️⃣ Get a dehumidifier
If your basement is damp, you may have poor ventilation – a dehumidifier can help dry things up. If you have valuables in your basement, talk to your insurance agent about sump pump backup coverage.

❇️ Bonus tip: Check in with your insurance agent
Make sure you’re protected with proper home insurance before severe spring weather hits.

Completing the items on this home maintenance checklist can keep your property looking good and help you avoid future home insurance claims.

04/25/2025

Why invest the time to do an inventory of your home? Think about this. If something were to happen to your home and the belongings inside of it were destroyed, could you list every item you own right then in that moment?

Probably not. That’s why you should do one. It’s easier to do than you think and only takes about 10 minutes. We’ll show you how.

✔️ Use your phone – Capturing it on video is the most efficient way to do a home inventory. The more detailed you are, the better it will be. You don’t need to capture video of everything you own. But you do need to go room by room and show what you can see.

✔️ Use narration – This is a key step. Use your words and describe what you’re recording. To make things easier, do a video clip for each room in your home (don’t forget closets and the garage).

✔️ Focus on big-ticket items – Think of things like flat screen TVs, computers, expensive furniture and valuables (jewelry, etc.). If those items have stickers with serial or product numbers, zoom in and show those in your video.

✔️ Save the video in the cloud – If you only save your video on your computer, what happens if it’s destroyed along with your other stuff? That’s why you should email it to yourself, share it with your spouse or relative, or send it to your insurance agent.

✔️ Update your home inventory once a year – Check in with your insurance agent annually to discuss any major purchases you’ve made since the last time you did an inventory. Be sure to add those new items to your update.

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has been protecting families and providing insurance to our clients since 1925. Follow us for more tips on ways to protect what matters most.

Address

914 College Avenue Ste 1
Columbia, MO
65201

Opening Hours

Monday 8am - 5am
Tuesday 8am - 5am
Wednesday 8am - 5am
Thursday 8am - 5am
Friday 8am - 5am

Telephone

(573)6296125

Website

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