Kirk Agency

Kirk Agency Serving Central and South Central Iowa

06/17/2026

Insurance red flags usually aren’t dramatic.

They’re tiny little details that changed over time and nobody thought to mention.

Which is fair, because normal people are not sitting around thinking, “Better update my coverage after buying a utility trailer.”

That’s our job.

The obvious stuff gets insured.The house.The cars.The shop.The equipment.But the sneaky stuff?The fence.The deck.The too...
06/16/2026

The obvious stuff gets insured.

The house.
The cars.
The shop.
The equipment.

But the sneaky stuff?

The fence.
The deck.
The tools.
The trailer.
The tack.
The freezer full of meat.
The “it’s just in the shed” pile that would somehow cost $8,000 to replace.

Insurance gets real specific when something happens.

There are two types of people after something happens:Person 1:“I have every receipt, photo, serial number, and a folder...
06/16/2026

There are two types of people after something happens:

Person 1:
“I have every receipt, photo, serial number, and a folder labeled ‘just in case.’”

Person 2:
“I think we bought it at Lowe’s? Maybe Menards. It was black. Or gray. My husband would know.”

Neither is wrong.
But one of them is going to have a much easier time during a claim.

Take a slow video of your house, garage, shop, equipment, tools and the random expensive things hiding in closets.

You do not need a spreadsheet.
You just need proof that your stuff existed.

Nobody wakes up excited to talk deductibles, liability limits, water backup, business property, farm equipment or what’s...
06/12/2026

Nobody wakes up excited to talk deductibles, liability limits, water backup, business property, farm equipment or what’s actually covered after a claim.

Fair.

But the best time to understand your policy is not standing in your driveway after something weird happened.

Trailers, equipment, implements, outbuildings, tools, fuel tanks, livestock panels - farms and acreages have a lot of th...
06/12/2026

Trailers, equipment, implements, outbuildings, tools, fuel tanks, livestock panels - farms and acreages have a lot of things that don’t feel like a big deal until something happens to them.

And sometimes the things sitting outside are worth more than people realize.

Farm life: casual inventory, expensive reality.

06/10/2026

The little details are usually where the coverage questions show up.

People say “I have full coverage” like it means every possible thing is handled.It usually means you have a combination ...
06/09/2026

People say “I have full coverage” like it means every possible thing is handled.

It usually means you have a combination of coverages, but the details still matter. Deductibles, rental reimbursement, roadside, glass, liability limits… all the boring little things that suddenly matter when your car is in the shop.

New roof. Finished basement. Added deck. New outbuilding. More stuff than you had when you moved in.Your home changes qu...
06/08/2026

New roof. Finished basement. Added deck. New outbuilding. More stuff than you had when you moved in.

Your home changes quietly over time, but your coverage doesn’t always keep up on its own.

06/05/2026

A small farm claim can get big fast.

One implement.
One fence line.
One piece of borrowed equipment.
One hired hand for the day.
One “we only use it a few weeks a year” machine.

Farm coverage should match how the farm actually runs — what you own, what you borrow, what you haul, who helps and what leaves the property.

Let’s talk about the garage.Tools.Freezers.Golf clubs.Holiday décor.A lawn mower.A side hustle.A suspicious amount of Am...
06/03/2026

Let’s talk about the garage.

Tools.
Freezers.
Golf clubs.
Holiday décor.
A lawn mower.
A side hustle.
A suspicious amount of Amazon boxes.
Possibly one appliance that “still works” but has not moved since 2017.

The garage is where people store half their life and then forget it counts.
Your home policy may have limits on certain belongings, business property, equipment, or detached structures.

Your garage is not just storage. It's a whole little risk department.

Address

414 Maple Street
Murray, IA
50174

Opening Hours

Monday 8:30am - 4pm
Tuesday 8:30am - 4pm
Wednesday 8:30am - 4pm
Thursday 8:30am - 4pm
Friday 8:30am - 4pm

Telephone

+16414472504

Website

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