Dunn Insurance Agency

01/26/2026

The office will be closed
Monday, January 26th
to give us a chance to get the ice and snow clear to keep you safe.
You can call the company direct to make payments or if you need any other services please call the office, the phones are forwarded so I can work from home.
573-360-0025
Stay safe and warm!

01/22/2026

As temperatures drop, consider these tips to help avoid frozen pipes and potential water damage in your home: https://travl.rs/3tZmBoi

10/21/2025

Farmers- Don't forget to report your stored grain to your insurance agent.

06/18/2025

REMINDER- update your beneficiaries on your life policies.

02/28/2025

A few of these were surprising.

Not all home maintenance advice holds up—some myths can actually cause more harm than good. We're setting the record straight with evidence-backed tips ...

01/03/2025

It never hurts to hear it again, as a reminder...

Wondering how to prevent frozen pipes this winter? Learn which pipes are most at risk, and get tips on preventing frozen pipes.

08/29/2024

Farmers! Please blow your combines out, keep a water trailer in the field you are working in, keep a few working fire extinguishers on hand. As we all know, it’s extremely dry and dusty.
Ask any agent right now and they will tell you that the insurance industry is bad, add a combine/tractor fire claim and we are extremely limited on options right now if we need to shop it for better rates. OR, some companies are non-renewing over large losses or multiple claims right now. We know it doesn’t seem fair to pay the high premiums all these years just to get non-renewed, but the companies weigh their risk and if it’s a high one right now, they aren’t in the mood to keep it.
Help us agents help you. Do all you can to prevent the fire.

06/21/2024

If you talk to anyone in the insurance industry right now, they will say it's the worst market they have ever seen. We have companies that have paused all new business, companies increasing rates tremendously, others changing their guidelines so drastically that it makes it impossible to write with them, others requiring no less than $5,000 deductible. Not to mention, some are just non-renewing policies. I could go on and on.

If you are shopping your insurance, please be aware, especially on homeowner's policies. Just because the limits are the same, doesn't necessarily mean you have the same coverages. For example, the house is covered for $100,000 with $50,000 limit on your contents.
Those are just limits.

There are other layers of coverage that go with that:
Basic
Broad
Special
Those are the three levels of coverage offered with that limit, with Special being the best.

Then, you have settlement types:
Replacement Cost (RC)
Actual Cash Value (ACV)

Finally, look for exclusions:
Many companies are excluding roofs, especially if yours is over 10 years old. Many have cosmetic exclusions as well. There could be many more.
I have told at least 4-5 potential customers this week, while I would love to have their business, it's not in their best interest to move it, their roof is over 10 years old and grandfathered in with Replacement cost. If I moved them, the premium will be cheaper, but they will only offer ACV or the roof would be excluded all together.

Finally, be aware of your deductibles:
Many are going to high wind/hail deductibles. You will likely see it listed as a percentage. So, if your house is insured for $200,000 and you have a 2% wind/hail deductible, your deductible is $4,000.

These are just a FEW things to look for. Find someone you trust to compare any quotes you have before you move. Once you cancel the old policy, you might not get to go back and will definitely have to meet the new guidelines and rates.
There are agents that either aren't experienced or are just out for the sale and will not point these differences out. Do your own due diligence. If you have a claim, all that was mentioned above will affect the payout you receive.

Send a message to learn more

04/08/2024

I’m out of glasses, sorry

04/08/2024

The Charleston Chamber of Commerce just dropped off more eclipse glasses at the office, come get them if you do not have yours yet.

04/03/2024

Still need your eclipse glasses? Stop by the office and pick up a free pair, courtesy of Focus Bank and KYMO Radio, brought to our office by the Charleston Chamber of Commerce.

04/02/2024

Take advantage of your day off and find your insurance policy, make sure you’re covered as you desire.
When it counts, you want it, when you’re paying premiums you do not. Most are so focused on the premium they overlook the coverages.
Ask yourself, “if today I woke to a disaster, what would I expect my insurance company to pay out on?” Then, make sure your policy covers that.

Don’t wait until you need it to ask these questions, it’s too late then.

Pictures taken north of Charleston today, 4/2/24