Alkali State Insurance Agency

05/22/2026

04/23/2026

One of the biggest mistakes homebuyers make is waiting until the last minute to talk to an insurance agent.

By the time your lender asks for “homeowners insurance,” it may already be too late to fix expensive problems.

Before buying a home, you should be asking:

• How old is the roof?
• Any prior water leaks or sewer backup issues?
• Any foundation problems or settling?
• Old HVAC, plumbing, or electrical systems?
• Any service line issues from the house to the street?
• Any prior insurance claims on the property?

These aren’t small details—they can affect:

✔ whether the home is even insurable
✔ your homeowners insurance premium
✔ whether certain coverages are excluded
✔ your out-of-pocket risk after closing

A newer roof can mean lower premiums.
Old plumbing can mean expensive water damage claims.
Service line problems can mean thousands in unexpected repairs.

People talk to lenders before they buy.
They talk to realtors before they buy.

They should be talking to their insurance agent too.

The cheapest mistake is the one you avoid before closing.

04/22/2026

One of the biggest mistakes homebuyers make is draining their entire savings just to get into the house.

They focus on the down payment, closing costs, and getting approved for the loan—but forget about what happens after closing.

Then reality hits:

• the roof starts leaking
• the HVAC system fails
• the water heater goes out
• sewer backs up
• a buried service line breaks

Now they own the house… but they can’t afford the problems that come with it.

A home should build financial security—not create financial stress.

Sometimes the smarter move is:

✔ keeping a strong emergency fund
✔ negotiating for a newer roof
✔ asking for seller credits
✔ reviewing the real insurance risks before closing

A newer roof can often lower homeowners insurance premiums and reduce claim risk.

PMI is predictable.
A $20,000 roof replacement is not.

People talk to lenders before they buy.
They talk to realtors before they buy.

They should be talking to their insurance agent too.

Before you buy the home, make sure you can afford to own it.

Message me before closing and let’s review the insurance and risk side first.

02/06/2026

I offer a Risk Review of your current home, auto, watercraft, motorcycles, side-by-sides, ATVs, snowmobiles, campers, and umbrella policies to make sure they properly protect you from the financial risks you face as a homeowner.

This review looks at the parts of your policy most people never see — the exclusions, sublimits, conditions, and endorsements that determine how your coverage actually works during a loss.

Many policies appear strong on the surface but contain hidden gaps for things like:

• Frozen pipe and water damage issues
• Mold and ordinance & law limits
• Jewelry, fi****ms, and contents sublimits
• Business property at home
• Liability limits that are too low for today’s lawsuit environment
• Missing umbrella coordination across vehicles and recreational equipment

This is not a quote. It’s a professional review of the coverage you already have.

To complete this review, email me your Declarations Pages and your policy documents.
If you’re not sure where to find them, ask your insurance company for your full policy packet, including the policy form and endorsements, and they can email it to you.

📞 (307) 209-8596
✉️ [email protected]

02/04/2026

Welcome to Alkali State Insurance Agency.

I’m Kevin Harrison, a Wyoming licensed independent insurance agent.

We help Wyoming families, professionals, and business owners review their current coverage and make sure it properly protects their income, property, and assets.

If you would like a straightforward coverage review, you can message this page or email your declarations page to:

[email protected]

You will receive a clear, no-pressure comparison and explanation of your options.