Bussian Insurance Agency, LLC

10/13/2026

While the weekend may've felt like the most perfect version of "summer" with those temperatures in the 80's- The leaves are telling us it is FALL!

Here are a few tips to help get your home ready for this beautiful season!

Leaves, football, and more leaves! Fall is creeping up on us and our homes. Fall only leads into winter, and many home maintenance tasks can be daunting when the temperature starts to fall. You’re better off getting some things out of the way now to save yourself the trouble later:

10/11/2026

After a very challenging year for the insurance industry: we are honored, humbled, and even more motivated to continue to offer great coverage, connection, and service that has a little something different.

Thank you for voting Bussian Insurance Agency, LLC the Best of the Region!

10/09/2026

Please take a few simple steps to help prevent a fire related to electronics!

10/05/2026

🏠 LET’S TALK INSURANCE: Why Does My Insurance Company Care About That?! 👀

Ever wonder why your insurance company cares about things like an old roof, overgrown trees, or a broken/missing handrail?

It’s not just about making your house look nice! 😉
Small hazards can turn into BIG insurance claims.

🔨 Old/damaged roof → leaks, water damage & mold
🌳 Dead/overhanging trees → damage to homes, vehicles & people
🪜 Loose/missing handrails → falls & liability claims
⚡ Damaged/outdated electrical → increased fire risk
💧 Poor drainage/gutters → foundation & water damage
🚪 Damaged windows/doors/siding → water, wind & pest intrusion

Why do insurers want these things fixed?

Because insurance is meant to protect you from unexpected losses—not preventable problems that are allowed to get worse.

Regular maintenance can help:
✅ Prevent expensive damage
✅ Reduce the chance of a claim
✅ Protect your family & property
✅ Keep your home insurable

And when your insurance company asks you to fix something, understanding WHY they're asking can make a big difference.

A little maintenance today can prevent a BIG insurance headache tomorrow!

09/29/2026

🦌 Let’s Talk Insurance: Oh Deer...

Fall means beautiful colors, cooler weather, harvest season… and unfortunately, more deer on the roads. 🦌🚗

A few simple reminders can help reduce your chances of a collision with those 4-legged beauties:

• 👀 Watch carefully around dawn and dusk — when deer are most active.
• 💡 Use your high beams when appropriate to improve visibility.
• 🚗 Slow down in wooded areas and roadways surrounded by corn fields
• 🦌 If you see one deer, watch for more — they often travel in groups.
• 🛑 If a collision is unavoidable, brake firmly and stay in your lane. Swerving can create a more dangerous situation.

Stay alert out there this fall! 🍂🦌

09/28/2026

As the temperature starts to drop- here are a few helpful tips to make sure your vehicle is ready for cooler temps- even if you're not!

09/24/2026

**Let's Talk Insurance** Commercial Insurance edition..

🚨 “I have general liability insurance… isn’t that enough?”

This is one of the most common questions we hear from small business owners.

And the answer is: Maybe—but probably not for everything your business actually owns and does.

General liability is important. It can help protect your business when you’re legally responsible for things like bodily injury, property damage, or certain personal/advertising injuries.

But it doesn’t automatically cover everything else.

For example, depending on your business, you may also need coverage for:

🔹 Your building or business property
🔹 Tools and equipment
🔹 Business vehicles
🔹 Inventory
🔹 Lost income after a covered loss
🔹 Employee injuries
🔹 Equipment breakdown
🔹 Property belonging to customers that is in your care
🔹 Professional mistakes or advice
🔹 Cyber-related losses

And this is where things can get tricky.

Two businesses that look very similar on the surface can have very different insurance needs depending on what they own, what they do, where they work, and what they have in their care.

💡 The goal of commercial insurance isn't just to have a policy. It's to make sure the policy actually fits the way your business operates.

If you own a business and haven't reviewed your coverage recently, it may be worth taking a second look.

Insurance isn't one-size-fits-all—and that's exactly why having the right conversation matters.

Give us a call today!!

09/21/2026

Dead or broken limbs, overgrown branches and trees that need to come down are worth addressing before winter weather arrives. Travelers VP of Property and Product Management Angela Orbann recently told Martha Stewart Living what structural maintenance to prioritize this fall and why waiting tends to make it worse..

Read the full Martha Stewart Living article on how to assess and maintain trees before winter: https://travl.rs/4Ao8mac

09/14/2026

**Let's Talk Insurance **

Did you recently replace your roof?

One simple step could help protect you from potential headaches later: make sure the roof year listed on your insurance policy is correct. 🏠

📄 After your roof replacement, send your insurance company a detailed, paid invoice showing the work was completed and ask them to update the roof year on your policy. ( Most insurance companies REQUIRE a paid invoice for proof, and sometimes photos too! A reality listing or inspection are most likely NOT enough.)

Why does this matter?

Your roof’s age affects how your insurance company determines eligibility, coverage, deductibles, and how a future claim may be handled. If your policy still shows an older roof when you actually have a new one, your policy may not accurately reflect your home.

✅ New roof?
✅ Detailed, paid invoice?
✅ Insurance company notified?
✅ Roof year updated?

Take a few minutes today to check your policy and make sure your roof year is accurate. It’s a small step that can make a big difference when you need your coverage.

🏡 Protect your investment. Check your policy. Know your coverage.

09/01/2026