J Sharamitaro Insurance Agency

08/10/2025

FULL STURGEON MOON • 9 AUGUST 2025 • 08:55 GMT 🌕💧

The Sturgeon Moon rises with the wisdom of deep waters.
Its light reveals what has been carried quietly beneath the surface, bringing old cycles to completion and calling your energy home from places it no longer belongs.

This is culmination energy a closing of loops, a releasing of weight, a return to clarity.
Like the ancient sturgeon navigating the meeting of rivers and depths, you are moving through a confluence of endings that will free the currents ahead.

This moon asks for surrender, not striving.
For release, not replacement.
Let the tide take what is complete.

The fullmoon ritual in subscribers content will assist you in this process 💞

12/04/2024

With the cold weather, we remind residents to heat your home safely.

Space heaters should always be plugged into a grounded outlet. Never plug them into power strips or extension cords. The internal components are not designed to handle the constant electrical draw of a heater. Make sure your heater has a tip over safety switch that will shut the unit off if it accidentally gets knocked over.

Wood burning fireplaces and chimneys should be professionally inspected and cleaned yearly.

Keep any combustible material such as clothing and bedding at least 3 feet away from any heat source.

Most importantly test your smoke detectors for proper operation and have an escape plan in case of a fire.

Stay warm. Stay safe!

12/04/2024

🛏️✨ ✨🛏️

At HavenHouse St. Louis, we provide comfort and care to families traveling for medical care. This week, we’re seeking donations of towels and mattress protectors to ensure our guests feel at home during their stay. 💙

Your generous contributions make a huge difference in the lives of our families.

📦 How to Help:
🛒 Shop our wish list: https://a.co/4JjpS7K

Thank you for supporting our mission! Together, we can make their journey a little brighter. 🌟

12/04/2024

Call for assistance 618-451-9100 or email [email protected]
J Sharamitaro Insurance Agency dba Alternatives Ins

11/06/2024

https://unionrayo.com/us/airfryer-recalled-dangerous-fire/

The air fryer arrived in our homes as a revolution that aimed to make us eat less fat, especially here, where we love practically everything fried.

10/04/2024

https://www.newsweek.com/florida-home-insurance-policy-cut-600k-hurricane-helene-1963810

Florida's largest insurer will hand the policies to other insurers later this month and in November.

07/18/2024

Patio is nice tonight, 😍
Hogtownsmokehouse.com

05/24/2024

For many people, insurance can be difficult to understand. Most people know that insurance is needed, but often they do not fully understand what they are buying or if they are properly covered. That is why it is important to have an insurance agent on your side. A good agent will help you determine what your insurance needs are, educate you about your options, and help you understand the specifics of the insurance you are buying.

Here are five things that you need to know as you consider your insurance options.

1. You cannot add coverage for a claim that has already occurred. For example, if there is flooding in your area, you cannot buy flood insurance during an event.

2. Coverage gaps can be costly. Having a gap or lapse in coverage can be costly. Always pay your premiums on time, or ask for a grace period from your insurer. You will end up paying more if you have lapses in your policy.

3. Insurance is not intended to cover everything. Insurance is designed to provide financial recovery after an accident or unforeseen loss. Every policy has exclusions which are important to understand. Remember, insurance is not intended to cover regular maintenance.

4. An agent can be a valuable resource. A licensed agent can help you find the best possible combination of coverage, price, and service that fits your individual needs. A good agent will be willing to answer any questions you may have and be there for you when a claim occurs.

5. Do not skimp on liability insurance. The cost of litigation these days underscores the need for everyone to have an adequate amount of liability insurance. The greater your assets are, the greater your need is to have your assets covered. To protect yourself and your family financially, buy enough liability insurance on your auto and home insurance policies to cover above your net worth. We can help you determine how much coverage your individual needs require.

04/18/2024

When the Titanic sank, it carried millionaire John Jacob Astor IV. The money in his bank account was enough to build 30 Titanics. However, faced with mortal danger, he chose what he deemed morally right and gave up his spot in a lifeboat to save two frightened children.
Millionaire Isidor Straus, co-owner of the largest American chain of department stores, "Macy's," who was also on the Titanic, said:
"I will never enter a lifeboat before other men."
His wife, Ida Straus, also refused to board the lifeboat, giving her spot to her newly appointed maid, Ellen Bird. She decided to spend her last moments of life with her husband.
These wealthy individuals preferred to part with their wealth, and even their lives, rather than compromise their moral principles. Their choice in favor of moral values ​​highlighted the brilliance of human civilization and human nature.(unknown)

04/10/2024

How much are your deductibles?
Do you have a 1% wind and hail deductible on your home?
If so a 300,000 house would carry a 3,000 deductible if a hail storm hits your area...
Call today for and