Sheri Hovgaard Agency with Country Financial

06/04/2026

Life changes fast. Has your life insurance kept up with you?

Whether you’ve welcomed a new child or bought a new home, there is no better time than right now to reevaluate your needs and make sure you have proper protection. With the right policy, you can have peace of mind knowing your loved ones are protected without throwing off your budget. Let's talk!

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we're committed to helping you protect your today and plan for your tomorrow. Follow us for more on how you can protect the life you love.

05/02/2026

04/27/2026

Talking to your insurance agent once a year can help you prepare for major life events and unexpected curveballs. Here’s what to discuss and why it’s important to meet with your agent annually.

❔ What should I discuss with my insurance agent?
When life changes, so do your priorities. In an annual review, talk to your agent about changes in your life, as well as your plans and priorities, to ensure you're protected.

❔ Are there other times I should contact my insurance agent?
Yes! Here are other times when giving your agent a call is worth the time.

1️⃣ Your policy is up for renewal.
Take time to evaluate your needs and your coverage since your last renewal to ensure you’re protected.

2️⃣ You’ve made major lifestyle changes.
Got married, quit smoking or had a baby? These changes can impact your insurance coverage needs.

3️⃣ You bought or received valuable items.
Receiving gifts such as jewelry or buying anything new for your home, like TVs or even artwork, means you might need additional personal property protection.

4️⃣ You’ve updated your home.
Made home or property improvements such as replacing the roof or installing an alarm system? Depending on the upgrade, you may qualify for a home insurance discount.

As an insurance agent, I’m committed to providing you with the best solutions for your needs, so you can experience all that life has to offer.

Give me a call today, and let’s talk!

04/14/2026

Based on your answers to the questions in the slides, you may be missing important coverage. Proper protection is important for you and your employees. Call me today!

04/08/2026

A question we hear from our car insurance clients all the time …. does car insurance cover windshield replacement? It can, but not always. We put together a quick explainer that helps you make sense of glass coverage.

Check it out:http://bit.ly/45nQwFw

04/03/2026

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.

03/31/2026

Life insurance provides more protection than you might think. If something ever happens and you are no longer here to help pay for the mortgage, life insurance is a great way to help your family stay in your home. Plus, enhancing your coverage might be more affordable than you expect. Contact me today to discuss your options and feel confident your loved ones have the financial security they need.

03/30/2026

Every small business has its own unique personality, which is why you need custom insurance to protect all you have worked to achieve. Do you have the right protection for yours? Here’s what you should ask yourself.

• When was the last time you reviewed your policy with your current insurance carrier?
• If your business was destroyed, would your current insurance be enough to replace all your property, including your inventory?
• Will your current liability limits protect your assets in a lawsuit?
• How are your customers protected against credit card fraud?
• Do you have coverage that protects your customers' property when it's in your care?
• Do your subcontractors have certificates of insurance listing you as an additional insured?
• When was the last time you took a tool and materials inventory? Do you have proper coverage for those items?
• Do you need to protect your business for electronic data breaches?

We handle insurance and financial services for over 45,000 small businesses, and we’ve filled plenty of coverage gaps that help owners get back to doing what they do best – running their business.

Contact me today to learn about how I can help secure your business.

03/26/2026

How much is life insurance?
It depends on your age, health, lifestyle & coverage—but getting covered is easier than ever thanks to modern tools.

Want to lower your life insurance rate?
✅ Buy early
✅ Practice healthy habits
✅ Consider term life

There’s a plan for every budget. Let’s chat to find the right fit for you—you might be surprised how affordable life insurance really is!
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we’re committed to helping you protect your today and plan for your tomorrow. Follow us for more on how you can protect the life you love.

https://www.countryfinancial.com/en/insurance/life-and-health/life.html

03/24/2026

Life insurance should be customized for your needs, whether that’s a term policy with an affordable monthly premium or a permanent policy that can help you pay for future expenses. Contact me today to discuss which option is right for you.