Brooke Colvin Farmers Insurance

09/02/2026

🚗 Insurance in Plain English: What is Uninsured Motorist Coverage?

UNINSURED MOTORIST = Protection when the other driver doesn’t have insurance.

You can do everything right; carry insurance, drive safely, follow the rules and still get hit by someone who doesn’t have insurance.

That’s where Uninsured Motorist coverage can help.

It may help cover:

🏥 Medical expenses
💵 Lost wages related to your injuries
🏥 Hospital and emergency room bills
🚑 Ambulance expenses
👨‍👩‍👧 Injuries to passengers

Example:
Another driver runs a red light and hits you. They’re at fault but they have no insurance. Your uninsured motorist coverage may help with covered injury-related expenses, up to your policy limits.

💡 What about a driver who HAS insurance, but not enough?
That’s where Underinsured Motorist Coverage may come into play.

Insurance isn’t just about protecting yourself from the accidents you cause but also about protecting yourself from the drivers you can’t control.

09/02/2026

September is Life Insurance Awareness Month 💙

We insure our homes, our cars, and our businesses, but sometimes we forget to protect the one thing those all depend on: our income and our family’s financial future.

This month is the perfect time to make sure you have the right protection in place or finally check life insurance off your todo list.

Already have a policy? I’m happy to review it with you too. Life changes, and your coverage should keep up.

08/28/2026

08/28/2026

💡 Insurance in Plain English: What is a Policy Limit?

POLICY LIMIT = The most your insurance company will pay for a covered loss, based on the limits shown on your policy.

Think of it as the ceiling on your coverage.

🚗 Example:
Let’s say you cause an accident and the damage to the other vehicle is $60,000, but your property damage liability limit is $50,000.

Your insurance may pay up to the $50,000 policy limit for the covered claim. You could be responsible for the amount above that limit.

Policy limits can apply to different parts of your insurance, including:

🏥 Injuries you cause to others
🚘 Damage you cause to someone else’s property
🏠 Your home and personal belongings
☂️ Umbrella liability coverage
💍 Certain valuables or special categories of property

💡 Why does your policy limit matter?

Having insurance is important but having enough coverage is just as important. State minimums or lower limits may not be enough when a serious accident happens.

08/22/2026

💡 Insurance in Plain English: What’s a Deductible?

Insurance terms can sound more complicated than they need to be. So, we’re breaking them down one term at a time .... in plain English.

👉 Deductible: The amount you agree to pay out of pocket before your insurance pays the rest of a covered claim.

Example:
If you have a $1,000 deductible and a covered repair costs $5,000, you pay the first $1,000 and your insurance would cover the remaining $4,000, subject to your policy terms and limits.

💡 Good to know: A higher deductible can often mean a lower premium, but it also means you’ll pay more out of pocket if you have a claim.

08/20/2026

Before you make any big life decision, call your insurance agent. Here’s why…

Buying a house? Getting married? Having a baby? Starting a business? Adding a teenage driver? Buying a boat, RV, or rental property? Making a major renovation?

Those decisions don’t just change your life, they can change what you need to protect.

Your insurance agent can help you spot:

Coverage gaps you didn’t know you were creating
New liabilities that come with the decision
Discounts or bundling opportunities
Assets that need to be added or insured differently
Whether your liability and life insurance still make sense

And here’s the big one: the best time to find out you need different coverage is before something happens...not after a claim.

So before the house, the car, the business, the wedding, the baby, or the big purchase…

Call your agent. It might be the most important five-minute conversation you have before saying “yes.”

08/19/2026

✨ Scheduled Jewelry Coverage Because Some Things Are Too Special for Basic Coverage 💍

Your favorite jewelry deserves more than a spot in the jewelry box, it deserves the right protection!

Adding scheduled jewelry to your insurance can provide broader protection for those special pieces, such as engagement rings, wedding bands, watches, and family heirlooms.

💎 Have a piece you’d hate to lose?
💎 Recently received or purchased new jewelry?
💎 Not sure how much coverage your current policy provides?

The good news is...you have options! 🙌

At Colvin Insurance, we have access to multiple options for stand-alone jewelry policies. That means you may be able to insure your valuable jewelry separately instead of scheduling it on your homeowners policy.

🏡 Why does that matter?
If something happens to your jewelry, having a separate jewelry policy may mean you don't have to file that loss as a claim on your homeowners insurance. Home claims can remain part of your claims history for years and may affect your future insurance options or home insurance pricing.

Give Colvin Insurance a call! We’d be happy to review your coverage, explain your options, and help make sure the pieces that mean the most to you are properly protected.

08/18/2026

Back to School💕🍎

A little coffee, some donuts, and gift baskets to kick off the school year for some pretty amazing teachers! ☕️🍩🎁

We know how much love, patience, and hard work goes into preparing for a new school year, and we wanted to start their year with a little something to let them know they’re appreciated. ❤️