Gerdeman Insurance Agency

01/19/2026

09/22/2025

If you use a fireplace, now’s the time to clean the chimney and ensure everything is in good working order. Many insurers will have specific guidelines regarding fireplace and stove usage. Fall is also a peak time for wildfires in certain areas, so if you're in a high-risk area, you might want to review your policy’s coverage for fire damage.

09/20/2025

With fall comes more rain and potentially snow, so it's a good time to clean gutters and inspect your roof for damage. If your roof has leaks or is in poor condition, it could increase the risk of water damage or more significant structural problems, which might not be fully covered if the roof wasn’t properly maintained.

07/04/2025

Protect your adventure with UTV insurance! Enjoy the thrill of both off and on road riding with peace of mind. Our coverage options ensure you're safeguarded against accidents and unforeseen events, so you can focus on the journey ahead. Explore your options and ride confidently knowing you're backed by comprehensive protection. Get a quote today and discover how easy it is to secure your UTV.

07/02/2025

Planning your next adventure in your RV? It's essential to ensure you're protected with the right insurance. RV insurance can cover more than just your vehicle; it also protects your belongings and provides liability coverage. Whether you're hitting the open road for a weekend getaway or a cross-country journey, having the right coverage gives you peace of mind. Take the time to review your options and find a policy that meets your travel needs. Remember, your journey should be about exploration, not worry. Invest in your adventure today!

06/30/2025

✅ Summer Insurance Tips
-Bundle home and auto policies for discounts.

-Review your deductibles and ensure they align with your budget.

-Take an inventory of home possessions for easier claims.

Call us if there have been any changes in your household, or if you would like to go over your coverages with you.

06/26/2025

🚗 Auto Insurance in Summer
Summer also affects your car usage and risks:

1. More Road Trips
-Increased mileage may impact your premium if your rate is based on usage.
-Ensure your policy includes towing and roadside assistance, especially for long drives.

2. Teen Drivers
-School's out, and more teen drivers are on the road. If you have one in your family, adding them to your policy might be required.
-Ask about good student discounts or safe driver programs.

3. Storm and Hail Damage
-Summer storms can cause hail, fallen branches, or flooding—all of which can damage your vehicle.
-Make sure your policy includes comprehensive coverage, which protects against these non-collision events.

4. Convertibles and Classic Cars
-Seasonal vehicles like convertibles or classic cars may need specialty coverage or storage insurance if they're not driven year-round.

06/24/2025

🔥 Home Insurance in Summer
Summer activities and seasonal risks can impact your home insurance in several ways:

1. Increased Risk of Weather Damage
-Wildfires, storms, and flooding are more common in many areas during summer.
_Review your policy to ensure you're covered for natural disasters. Flood insurance, for instance, is not included in standard policies and needs to be purchased separately.

2. Outdoor Additions & Liability
_Pools, trampolines, and even fire pits can increase liability risk.

-You may need umbrella insurance or raise your liability limits to protect against potential lawsuits if someone gets injured on your property.

3. Home Renovations
-Summer is a popular time for renovations or additions.

-Notify your insurer about any major work—it could increase the value of your home and affect replacement costs.

4. Vacations and Empty Homes
-If you're away for long periods, the risk of burglary or undetected damage (like leaks or power surges) rises.
-Consider smart home devices (alarms, cameras, leak detectors) and let your insurance provider know—they may offer discounts.

05/30/2025

Swimming pools can be a fantastic addition to your home, providing fun and relaxation. However, it's essential to consider how they affect your homeowners insurance. Ensure you're adequately covered by reviewing your policy and discussing with us about increased liability and property coverage. Protect your investment while enjoying the sunny days ahead. Make safety a priority and enjoy your backyard oasis with peace of mind.

05/28/2025

As spring unfolds, nature awakens with a symphony of birdsong. Just like the arrival of our feathered friends signals new beginnings, it's the perfect time to reassess your insurance needs. Ensure you're protected against unexpected events this season. Let us help you create a safety net that gives you peace of mind as you embrace all that spring has to offer.

Let us help you find the right coverage for your journey ahead.

05/26/2025

As we honor the brave souls who have served our country this Memorial Day, it’s the perfect time to reflect on the importance of protection for what matters most. Just as we remember our heroes, let’s also ensure that your family and assets are safeguarded. Explore our comprehensive insurance solutions designed to give you peace of mind. This Memorial Day, let's cherish our freedom and prioritize what truly matters.

05/23/2025

Congratulations on your graduation! As you embark on this exciting new chapter of your life, remember that protecting your future is just as important as celebrating your achievements. Whether you're starting a new job, pursuing further education, or exploring new opportunities, having the right insurance coverage can give you peace of mind. Take the time to understand your options and invest in your future today. Celebrate your success and safeguard what comes next!
Give us a call today! 419-257-3105