Boomer Carmitchel - Country Financial Insurance Agent

06/02/2026

Earthquakes are unpredictable. If you live in an area prone to seismic events, having the right protection can make a huge difference in your ability to rebuild and support your family. However, it’s important to note that earthquake coverage is an optional insurance rider with a unique deductible. Here’s what you should know before discussing this coverage option with a COUNTRY Financial representative:

First off, earthquakes can occur anywhere. Though there are certain spots in the country that are more likely to suffer earthquakes, there is no location that is immune to the damage they can cause. The areas at the highest risk include Alaska, California, Hawaii, Oregon, Puerto Rico, Washington and the entire Mississippi River Valley.
Earthquake insurance covers repairs to your home and attached structures, personal belongings like furniture and clothes, and additional living expenses for when your home is uninhabitable after an earthquake.

Due to the unique damage that can be caused by an earthquake, this coverage does feature a unique deductible based on percentage rather than a standard amount (like $1,000 or $2,000). So, for example, if your earthquake deductible is 5% and an earthquake damages your house, your deductible would be 5% of the dwelling amount of insurance you have. If your dwelling coverage limit is $200,000 on your home, your deductible for your home structure (dwelling) would be $10,000. ($200,000 x .05)

If the earthquake also damages your personal property in your home, you’d be covered, but you’d have to pay the deductible on that coverage as well. If you have $100,000 in personal property coverage, you’d owe a $5,000 deductible on that part of the claim. ($100,000 x .05)
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has been helping clients protect what matters most to them for 100 years. Follow us for more info on ways to stay safe.

06/02/2026

COUNTRY Financial® Announces Auto Insurance Rate Reductions in 11 States

Lower accident costs allow COUNTRY to pass savings on to drivers in multiple states

COUNTRY Financial announced that it is lowering auto insurance rates for clients in 11 states after seeing improvements in driving and claims trends.

The states receiving rate reductions are Colorado, Georgia, Idaho, Illinois, Iowa, Minnesota, Missouri, North Dakota, Oregon, Tennessee and Wisconsin.

Auto insurance prices are based largely on how often accidents happen and how expensive they are to repair. In these states, COUNTRY clients are experiencing fewer accidents and lower overall claim costs. Because of these positive trends, the company can reduce rates for many drivers.

Lower accident costs allow COUNTRY to pass savings on to drivers in multiple states including Colorado, Georgia, Idaho, Illinois and more.

05/30/2026

Every small business has its own unique personality, which is why you need custom insurance to protect all you have worked to achieve. Do you have the right protection for yours? Here’s what you should ask yourself.

• When was the last time you reviewed your policy with your current insurance carrier?
• If your business was destroyed, would your current insurance be enough to replace all your property, including your inventory?
• Will your current liability limits protect your assets in a lawsuit?
• How are your customers protected against credit card fraud?
• Do you have coverage that protects your customers' property when it's in your care?
• Do your subcontractors have certificates of insurance listing you as an additional insured?
• When was the last time you took a tool and materials inventory? Do you have proper coverage for those items?
• Do you need to protect your business for electronic data breaches?

We handle insurance and financial services for over 45,000 small businesses, and we’ve filled plenty of coverage gaps that help owners get back to doing what they do best – running their business.

Contact me today to learn about how I can help secure your business.

05/27/2026

Buying a house for the first time is overwhelming. Getting home insurance is just another cherry on top of that largest-purchase-you’ve-ever-made-in-your-life-sundae.

We make it easy with experts that get you the home, auto, and any other insurance you need so you can feel confident knowing you’re covered.
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has been protecting homeowners since 1925. Follow us for more on how you can protect the things that matter most.

05/23/2026

If wedding bells are in your future, let’s talk about uniting your insurance policies, too.

Finances in marriage are challenging. Have regular conversations about budgeting, saving and paying off debt to manage money as a married couple.

05/23/2026

🚑💚 EMS Appreciation Week 💚🚑

Today, our team had the pleasure of dropping off a sweet treat to the amazing crews at America Ambulance Service as a small token of appreciation for everything they do for our community! 🍪☕

The dedication, compassion, and professionalism shown by EMS providers every single day does not go unnoticed. Whether responding to emergencies, comforting families, or providing lifesaving care, these men and women are always ready to answer the call.

From all of us at Boomer Carmitchel Agency – Country Financial, thank you to America Ambulance Service and all EMS professionals for your commitment and service to our communities. We appreciate you not only during EMS Appreciation Week, but every day of the year! 💚

As a small way of giving back, we are proud to offer up to 15% off auto insurance for full-time EMTs and Paramedics. It’s just one way we can say thank you for the important work you do every day. 🚑

05/22/2026

🇺🇸 Memorial Day Office Closure 🇺🇸

In observance of Memorial Day, our office will be closed on Monday as we take time to honor and remember the brave men and women who gave their lives in service to our country. Their sacrifice allows us the freedoms we enjoy every day, and we are forever grateful.

We wish you and your family a safe, meaningful, and blessed weekend as we reflect and remember. 🇺🇸

05/20/2026

Planning some fun at home this summer? Make sure your backyard is safe for all your favorite activities by using this summer safety checklist.

Pool safety
• Never leave children unattended
• Kids should never be alone in or near a pool (even if they know how to swim)
• Sign your kids up for swimming lessons

Learn emergency skills
• Young children should learn when to get help. Older children and adults should learn CPR and first aid
• Keep a first-aid kit, ring buoys and reaching poles nearby. Easy access to these items could be lifesaving

Install a safety fence
• Make sure your pool safety fence covers all pool sides and has self-closing gates. Also, install locks and alarms on doors with pool access.
• Create and post safety rules and enforce them.

Trampoline safety
• Add safety features
• Make sure your trampoline has padding and netting. An enclosed trampoline can help prevent falls
• Maintain your trampoline
• Inspect your trampoline regularly for missing pads, tears, exposed springs and other issues that could cause injury
• Enforce safety rules: Only one jumper at a time to reduce risk of injury

Playground safety
• Inspect your playground equipment regularly
• Create a safe landing
• Teach playground rules
• Supervise young children at play

Review your home liability insurance limits

Even if you follow all these tips, accidents happen. Keep your liability insurance coverage updated (and consider adding an umbrella liability policy). If you add a pool, trampoline or playground to your yard, meet with your insurance agent to see if you need to increase your home liability coverage. Stay safe and have fun this summer!

05/16/2026

Summer riding season is upon us, and whether you’re thinking about hitting the open road on a new muscle bike or a moped, you’re going to need to protect that new ride with the right insurance. Here’s a quick overview of what to expect when getting your new ride insured with us:

• Motorcycle insurance also covers scooters and motorized bicycles. And it covers a lot of the same things car insurance does.

• What does it cover? Just like car insurance, we provide coverage for accidents (collision) and protection against theft, vandalism, hail and falling objects (comprehensive).

• Coverage can also include liability and medical if you’re at-fault in an accident and responsible for injuries to others.

• There’s no set price for motorcycle insurance, but your driving and claims history, your deductible and the amount of liability/medical coverage you want all factor into the final price. You choose what coverage is right for you.

So, if you plan to cruise around this summer on two wheels instead of four, this should be your next click https://www.countryfinancial.com/boomer.carmitchel

05/14/2026

How much is life insurance?
It depends on your age, health, lifestyle & coverage—but getting covered is easier than ever thanks to modern tools.

Want to lower your life insurance rate?
✅ Buy early
✅ Practice healthy habits
✅ Consider term life

There’s a plan for every budget. Let’s chat to find the right fit for you—you might be surprised how affordable life insurance really is!
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we’re committed to helping you protect your today and plan for your tomorrow. Follow us for more on how you can protect the life you love.

https://www.countryfinancial.com/en/insurance/life-and-health/life.html