Karen Ray Agency

05/27/2026

Insurance companies use these and many other factors to better understand overall risk. That’s why two people with similar vehicles can still receive very different rates.

If you have questions about your auto insurance coverage, or want to see if you can lower your rate, our team is here to help.

05/20/2026

What was the first word you saw? Would you say it’s accurate?

You work hard to make your house feel comfortable, safe, and uniquely yours. Make sure it’s protected with the right home insurance so you can feel more confident about what’s ahead.

05/13/2026

Coverage needs can change over time. A quick review can help make sure there aren’t any gaps and that your policy still fits your current situation.

Reach out to our team for a quick policy review.

05/07/2026

I’m so happy to be participating in the National Day of Pray with these two wonderful people! Toby Yeary and Lisa Selman Richardson

05/06/2026

Drop it in the comments and help each other out with great recommendations.

We’re proud to be part of this community and help protect the people who live here.

04/29/2026

Water damage isn’t all treated the same. If you want to review your coverage and make sure there aren’t any gaps, give us a call.

04/22/2026

If you had to pick, which would you prefer?

Each one comes with different pros and cons.

New builds, older homes, city living, and rural properties all have unique insurance needs when it comes to things like coverage limits, liability, and property protection. That’s why homeowners insurance isn’t one-size-fits-all.

Give us a call to make sure your coverage actually matches the home you live in.

04/22/2026

Check out my latest blog post about running a home based business and your insurance needs!

Running a business from home? Learn what homeowners insurance covers, which home-based businesses are low risk, and which ones require separate insurance to avoid denied claims and costly mistakes.

04/15/2026

Taking a few minutes to review your insurance policies can help make sure the things you care about are properly protected.

04/15/2026

Great fun sponsoring a pop-by class for Point Realty. Thanks for the opportunity to speak to your team! Point Realty Julia Morrel Ward

04/08/2026

Did you get it right? It might sound surprising, but if a bear causes damage to your house, your homeowners insurance may have you covered.

Sudden, accidental damage caused by a wild animal is often covered. But damage caused by your pets, rodents, or insects is usually considered preventable maintenance and typically not covered.

Before a wild animal ever wanders into your house, give us a call to review your policy and see what’s covered.