JGP Insurance, Lisa Hempen

06/17/2026

As parents and grandparents, we all strive to provide for our families. Let's discuss ways to support them, not place undue burdens on them.

06/17/2026

⛈️ Storm Damage? Call Before You File a Claim! ⛈️
Not every roof, siding, gutter, or hail damage issue should automatically become an insurance claim. Filing unnecessary claims can sometimes impact your insurance history, even if no payment is made.
We'll help you understand the best next steps with a professional referral contact.

🏠 Roof Damage
🛠️ Siding Repairs
🌧️ Gutter Damage
🧊 Hail Damage
📞 Call JGP Insurance Group today: 618-228-0383

06/17/2026

06/12/2026

**🚗 Progressive is Lowering Auto Insurance Rates in Illinois! 🚗**

Good news, Illinois drivers! If you've been putting off shopping your auto insurance, now may be the perfect time to see how much you could save.

📞 Contact **Lisa Hempen**, Licensed Insurance Agent in Illinois & Missouri, for a customized auto insurance quote tailored to your needs.

✅ Competitive rates
✅ Personalized coverage options
✅ Local service you can trust
✅ Helping people save money every day!

Don't assume you're getting the best rate—let's compare your current coverage and see what savings may be available.

**JGP Insurance Group**
📱 618-401-9734

*"Better coverage, better value, and local service—all in one place."* 🚘💰

06/10/2026

**Actual Cash Value (ACV) vs. Replacement Cost (RC) on Your Roof – Do You Know the Difference? 🏠**

When it comes to your homeowners insurance, understanding how your roof is covered can make a big difference after a claim.

🔹 **Actual Cash Value (ACV)**
Your insurance pays the value of your roof **minus depreciation** based on its age and condition. The older the roof, the less you may receive from the insurance company.

🔹 **Replacement Cost (RC)**
Your insurance pays the cost to replace your roof with a new one of similar quality, without deducting for normal wear and tear (minus your deductible).

**Example:**
A new roof costs $15,000.

✅ Replacement Cost Coverage: Insurance may pay close to $15,000 (less your deductible).
⚠️ Actual Cash Value Coverage: You may receive significantly less if your roof has depreciated over time.

The difference could mean thousands of dollars out of your pocket after a storm.

Not sure how your roof is covered? Let JGP Insurance Group review your policy and help you understand your options.

📞 618-228-0383

06/09/2026

At JGP Insurance Group, we're more than just coworkers—we're a team.

Together, we work hard to help individuals, families, and businesses find the protection and peace of mind they deserve.

06/08/2026

https://www.facebook.com/share/p/198ZTWeniY/?mibextid=wwXIfr

Your staff is like family. Life insurance helps keep their future—and yours—secure. 🔒

Your Local Insurance Resource

Located in O’Fallon, IL, proudly servicing the St. Louis Metropolitan region with trusted insurance expertise.

- 513 West HWY 50, O’Fallon, IL 62269
- 618.228.0383
- [email protected]
- Get a Quote: https://zurl.co/De7Tg

JGP Insurance Group, LLC — Insurance done right.

06/05/2026

✅ Locks in lifelong insurability, even if health changes later

✅ Affordable premiums that can stay the same for life

✅ Builds cash value over time (with certain permanent life insurance policies)

✅ Can help with future expenses such as college, a first home, or starting a business

✅ Provides a financial foundation early in life

✅ Allows additional coverage options to be added in the future

✅ Protects against unexpected future health conditions that could make insurance more expensive or difficult to obtain

**Give your child a head start on financial security.**

📞 JGP Insurance Group
618-220-0383

*"The best time to plant a tree was 20 years ago. The second-best time is today."* 🌳

06/02/2026

🚚💼 Business owners, are you paying too much for commercial auto insurance?

JGP Insurance Group can help you explore an exciting rate reduction for your commercial auto insurance while making sure your business stays protected with one of our top carriers!

📞 Contact JGP Insurance Group today for your FREE commercial auto quote!

☎️ 618-220-0383