Sarbu & Stan Insurance Services

09/01/2026

Life have you curious? This month is the perfect time to talk to us about life insurance. Whether you need to update your policy or find a new one, take this opportunity to learn more about life.

08/21/2026

⏰ Do you need a business property policy update? 🏢

Businesses change. That's the point.

New equipment, more inventory, a build-out, a move, a hire (or three). Each one can affect your Commercial Property coverage.

Things that should trigger a policy update:

🔨 New or upgraded equipment
📦 More inventory than last year
🏗️ Renovations or build-outs
📍 A move or expansion
💵 Higher rebuild costs (construction prices have shifted)

The risk is real. If your limits haven't kept pace, a coinsurance clause can reduce your payout on partial losses, too. Quiet hit, big surprise.

A review doesn't take long, and we do most of the work. DM us. 📩

08/14/2026

📋 The things your business can’t do without. 🤔

Quick exercise: without looking around, list everything that would need to be replaced if it disappeared tomorrow.

Most people get a few items in and go, "Wow, there's a lot more than I thought."

Easy-to-forget items:

🔧 Tools and small equipment
📦 Inventory in storage
💻 Tech and electronics
✨ Improvements you've made to the space
📑 Leased equipment

Heads up: off-site or leased items may need separate coverage from your main property policy. We'll help you figure out what fits where.

Snap a few photos, jot down some notes, send us a DM. We'll take it from there. 📸

08/12/2026

08/07/2026

🏢 Your business is a place. 🛡️

Take a look around right now. The walls, the equipment, the inventory, the computer you're reading this on. All of it adds up to what you've built.

That's what Commercial Property insurance protects.

Here's what it typically covers:

🏗️ Your building: Repairs or rebuilding after a covered loss. Leasing? Improvements you've made may also be covered.
📦 Your contents: Furniture, equipment, inventory, supplies.
💰 Lost income: Not automatically included on a property policy, but can be added or bundled into a BOP.

One heads-up: floods, earthquakes, and sometimes wind or hail are usually excluded and need separate coverage.

August is a strong month for most businesses. Perfect time for a property check-in. DM us. 📩

07/23/2026

🤞 The best policy is the one you never use. 🛡️

Insurance is a strange thing to buy. You pay for it month after month, year after year, hoping you'll never actually have to use it. 💭

But that's kind of the point.

Insurance isn't there for the good days. It's there for the worst day, the one you didn't see coming. The fender bender, the kitchen fire, the tree through the roof, the slip in the parking lot. The kinds of things you'd rather not think about, but absolutely should plan for.

Here's what makes insurance worth every penny when you do need it:

🏠 It protects what you've built.
👨‍👩‍👧 It keeps your family financially stable in a crisis.
💼 It keeps your business running when something goes wrong.
😌 It gives you someone in your corner every single day.

And in case it wasn’t obvious, that someone is us. 🛡️

When was the last time you reviewed your policies? If it's been a while, drop us a message and let's set up a quick review. 💬

07/16/2026

💧 What is a flood, actually? 🤔

Stop me if you’ve heard this:

"I don't live in a flood zone." "My house is on a hill." "It's never flooded here before."

The reality? Flooding can happen almost anywhere. According to FEMA, just 1 inch of water in a home can cause damage totaling upwards of $25,000. 😳

But what is a flood?

Flooding is not a burst pipe in your house, or a leaky appliance, or an overflowing toilet. If the water comes from inside your house, it isn’t flooding.

But water flowing in from outside? That’s a flood. It can be from things like:

🌪️ Stronger and more frequent storms 🏗️ New development changing how water drains 🌊 Rising sea levels and shifting weather patterns 🛣️ Aging infrastructure that can't keep up with heavy rain.

The good news is that flood insurance is more accessible than ever, with options through both the National Flood Insurance Program (NFIP) and private carriers. We can help you compare what's out there and find the coverage that fits your situation. 🛡️

Call or DM us, and let’s get your coverage above water. 📞

07/09/2026

🌊 Flood insurance is more important than ever.

Floods are the most common and most costly natural disaster in the United States. And they're not just happening in coastal towns or near rivers anymore. 🌧️

A sudden downpour, a rising river, or city disasters like a burst water main outside on the street can cause flood damage, even outside high-risk flood zones. That means your home could be at risk even if you've never seen water on your street. 🏠

Do you need flood insurance? Well, maybe. The only way to know for sure is to work with an independent insurance agent. That’s right, like us!

Send us a DM or give us a call, and we'll walk you through your options. 📩

07/04/2026

🎆 Happy Independence Day! 🎇

Today, we celebrate the land of the free and the home of the brave! On this day in 1776, our nation declared independence, paving the way for freedom, opportunity, and the American spirit we cherish today. 🎉🗽

As we enjoy fireworks, BBQs, and time with loved ones, let’s remember the courage and sacrifice that built this great nation. 🍔🌭

Happy Birthday, America! 🎂🎈

06/25/2026

⚠️ Mind the gap! Common insurance mistakes. 🚧

Are you covered? Most people assume they're "mostly covered." The tricky part is that "mostly covered" can still mean a very expensive surprise when a claim comes in. 😬

Insurance policies have exclusions, limits, and conditions that aren't always obvious until you need them. A few common assumptions that catch people off guard:

🏠 "My homeowners' insurance covers everything on my property." → Not during a remodel or new build.
🚗 "My personal auto covers me for deliveries." → Usually not for business use.
💼 "My general liability covers all my business risks." → Not always—especially for professional errors or cyber incidents.

The good news? A quick conversation with us is usually all it takes to find out where you actually stand: no judgment, no pressure, just an honest talk about what you really need.

Drop a comment or send us a DM with a coverage question, and we'll give you a straight answer. 💬