Jason Wright Agency

10/12/2026

Insulating your pipes, cleaning your gutters and chimney are all good projects to invest in now to prepare for winter. Follow these fall home maintenance tips and prepare your home for the coming winter months. Learn more.

09/17/2026

How much liability insurance do I need?

That's a question without a one-size-fits-all answer.

Liability insurance protects you when you're legally responsible for injuring someone else or damaging their property. The question is: how much protection is enough?

Start by thinking about what you have to protect. For an individual or family, that could include your home, savings, investments and future income. For a business, it could include the assets of the business and, depending on the circumstances, potentially much more.

Then think about what could go wrong. Could you cause an auto accident that seriously injures several people? Could someone be badly injured on your property? Could your business cause significant injury or property damage?

A $100,000 liability limit may sound like a lot of money until you're facing a $500,000 claim.

Higher liability limits are often less expensive than people expect. And when the limits available on your home, auto or business insurance aren't enough, an umbrella policy may provide another $1 million or more of liability protection.

So, how much liability insurance do you need? Enough that a serious liability claim doesn't become a serious financial problem too. Don't choose your liability limits based only on what the insurance costs. Look at what you have to protect and what it could cost if something goes seriously wrong.

09/07/2026

What is Casualty Insurance and how much does it cost?

Casualty insurance is coverage that protects you or your business when you are legally responsible for injuring someone else or damaging their property.

You may already have casualty insurance and just don't call it that. For personal insurance and many small business policies, we usually call it liability insurance or liability coverage. The liability coverage on your auto insurance, home insurance, or business insurance are all examples of casualty insurance.

So, how much does casualty insurance cost?

There isn't one answer. The cost depends on what is being insured and the risk involved. A homeowner, restaurant, contractor, and trucking company all have very different chances of causing an injury or property damage, and potentially very different sizes of claims.

The amount of coverage you choose matters too. But here's something people are sometimes surprised to learn: increasing your liability limits may not cost nearly as much as you think.
That's important because a serious liability claim can get expensive very quickly.

When comparing insurance, don't just ask, “How much does it cost?” Also ask, “How much protection am I getting for that. cost?” Sometimes a relatively small additional premium can buy a lot more protection.

08/13/2026

Should I insure my house for what it's worth on the real estate market?

It's a common question, but market value and replacement cost are two very different things.

Your home's market value is what a buyer might be willing to pay for it. That value can change considerably based on supply and demand, mortgage interest rates, the local housing market, and the overall economy. Market value also includes the land.

Home insurance, however, should generally be based on replacement cost—the estimated cost to rebuild your house after a covered total loss.

That means considering today's cost of construction materials, labor, and other expenses involved in rebuilding the home.

Your house could sell for $500,000 but cost $400,000 to rebuild. Another house might sell for $400,000 but cost $500,000 to rebuild. That's why simply using the purchase price, tax value, appraisal, or current market value isn't necessarily the right way to determine how much insurance you need.

The goal is to insure the home based on what it would actually cost to rebuild today, regardless of what is happening in the real estate market or broader economy.

Have questions about how your home's replacement cost is calculated? Jason Wright Agency can review it with you with no obligation to purchase.

06/09/2026

Summer is right around the corner. Prepare your yard now by following these lawn mowing safety tips to help protect you and your family.

Summer is right around the corner. Prepare your yard now by following these lawn mowing safety tips to help protect you and your family.

06/08/2026

Get a head start on your summer plans by tending to your yard now. Preparation today can help prevent accidents around pools, playsets, and fire pits later.
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06/05/2026

You don’t need insurance experience. You just need someone who does. Get to know us and feel confident in your protection.

05/26/2026

Perfect spring days are made for fresh air and outdoor fun. What activities are you and your family enjoying this season?

05/25/2026

Bike rides, park days, backyard fun. What spring activities are on your calendar?