The Insurancenter

08/14/2026

Every August, school buses return to their routes, crosswalks fill with kids, and traffic around schools picks up significantly. School zones are among the highest-risk areas for drivers, with crashes occurring three times as frequently during pick-up and drop-off hours compared to other times of day. If you are driving, that means more hazards along your route and a greater responsibility to slow down and pay attention.🚸🚌🏫

07/28/2026

Thinking about a home remodel? Don’t let insurance be an afterthought! Major updates change your home's replacement value, and standard policies may not cover building materials stored on-site during construction. 🏠

Thinking about updating your home in Joplin? A kitchen remodel, a new room or a roof upgrade can be exciting projects that also affect your insurance coverage.

07/27/2026

Managing the first 24 hours after a property loss.
Whether caused by fire, storm damage, a burst pipe or another unforeseen incident, property losses can strike without warning, causing significant disruption. The steps taken in the hours that follow are critical to protecting property, facilitating recovery and supporting a smooth insurance claims process.

07/17/2026

Don't let "what ifs" ruin your time on the water! ☀️🛥️

Whether you're teaching the kids to water ski, fishing in your favorite spot, or soaking up the sunset, your boat is the heart of your summer memories. ⚓

Did you know the right boat insurance policy protects you against:
✔️ Theft, fire, and vandalism
✔️ Sinking or accidental damage
✔️ Liability if you cause an accident

Summer is too short to spend it worrying. Protect your passion so you can boat with total confidence!

If you are new boat owner, you may be confused about the types of boat insurance available.

07/09/2026

If someone is injured in your home or you otherwise cause third-party losses, sufficient personal liability coverage could be critical. Both homeowners' and renters’ insurance typically include personal liability coverage, which can provide financial aid if you or another insured, such as your spouse, children or pets, cause accidents that affect others. Specifically, your policy could pay out to assist with third-party medical bills and property damage, as well as your legal fees. 🏠
It’s never a bad time to revisit your insurance and make possible adjustments. Contact The Insurancenter today to discuss your policy and coverage needs. We can help you assess and address possible liability risks and ensure that your insurance is tailored accordingly.

07/07/2026

Hey contractors, are you 100% sure your current insurance actually covers your next job? 🤔
A single uncovered claim can wipe out your hard-earned business profits overnight. General liability is a great start, but gaps like tool theft, commercial auto accidents, or sub-contractor mistakes often slip through the cracks. Don't wait for an accident to find out you are exposed. 📋

As summer arrives, the construction industry enters its busiest season. With longer days and favorable weather, projects ramp up, and crews are hard at work.

07/02/2026

We honor July 4, 1776, the date the Declaration of Independence was adopted, marking the birth of the United States. As you celebrate our nation's history with family, friends, and fun, remember essential safety tips to ensure a happy holiday for everyone including family pets. Keep animals indoors in a cool, quiet room to protect them from loud noises. Secure fences. Ensure tags are up to date with your name, address, and phone number. Have a spectacular, safe, and happy Independence Day! 🇺🇸❤️
Please note: Our office will be closed Friday, July 3, 2026, and closing early July 2, 2026, at 2:00 PM. We will resume normal hours on Monday, July 6, 2026.

06/19/2026

What to Do After a Hit-and-Run
When you’re involved in a vehicle collision and the other driver takes off without exchanging insurance information can leave you feeling frustrated and wondering what to do next. 🚗

Don’t Leave the Scene
In the event of a hit-and-run, never try to follow or apprehend the fleeing driver. What’s more, leaving the scene could cause you to miss eyewitness accounts and may leave law officials questioning who’s really at fault. 🛑

Review the following guidance to understand what information to collect and who to contact following a hit-and-run incident. 📝

06/16/2026

Summer brings more time outdoors, and with it, a higher chance of sunburn, bug bites, minor injuries, allergies and heat-related issues. When summer ailments or accidents strike, you want relief that works quickly and safely.

Refreshing your first aid kit is a small task that can make a big difference, whether at home or work. Make it a habit to check expiration dates every six months so you’re always prepared. 🌞

06/05/2026

5 Smart Ways to Use Your HSA Funds
A health savings account (HSA) isn’t just for doctor visits; it’s a powerful tool to support your everyday health and well-being. Discover five smart, unexpected ways to put your funds to work for your well-being. Want to learn more about eligible expenses? For the most complete, up-to-date HSA rules, refer to IRS Publication 502 and IRS Publication 969.