08/12/2026
With all the storms we’ve been having lately, I’ve seen a lot of conversations about insurance coverage and unfortunately it’s usually after something has already been damaged.
I’ll be honest, as an insurance agent, there’s one thing I wish more people knew: having insurance and having the RIGHT coverage are not always the same thing.
This is actually a really good time to pull out your policies and make sure you know what you’re covered for before you need to use them.
A few things worth checking:
• What are your homeowners deductibles?
• Do you have separate wind/hail deductibles?
• Are your replacement-cost limits still realistic for your home?
• What about detached structures, sheds, fences, trailers or other property?
• Does your auto policy have comprehensive coverage for storm/hail/tree damage?
• Have you added anything expensive since you last reviewed your policy?
And if you have absolutely no idea what any of that means, that’s okay. That’s literally my job. 😂
I’d be happy to review your current coverage with you. I’ll break everything down in a way that’s easy to understand, answer any questions you have, and quote your home and auto to see if I can find you better coverage, a better rate, or both.
The best time to figure out there’s a gap in your coverage is *BEFORE* a tree is lying on something you own.
