Lisa Hodges - State Farm Agent

05/20/2026

As we move into the warmer months, it is a good time to take a look at your gutters.

Clogged gutters can cause water to back up under your roof or pool near your foundation.

Over time, that can lead to damage that is often avoidable with a simple check.

Small steps like this play a role in protecting your home long term.

And they work alongside your coverage, not instead of it.

If you have questions about how your policy is structured, I am here to help.

📞 Call or text (623) 259-2991
🌐 insuredbylisa.com

05/18/2026

May is a time when many homeowners shift into maintenance mode.

Think of it as a reset point. A chance to take a closer look at the small details that protect your home over time.

Something as simple as clogged gutters can lead to water backing up under your roof or collecting near your foundation.

Issues that often start small, but can become much more expensive if left unaddressed.

Home maintenance is not just about upkeep. It is one of the most practical ways to reduce risk before it ever reaches your coverage.

If you have not reviewed how your home is protected recently, this is a good time to do both.

Let’s take a look at your current coverage and make sure everything is aligned heading into the season ahead. 💡

📞 Call or text Lisa Hodges at (623) 259-2991
🌐 Visit insuredbylisa.com

05/13/2026

Hi, I’m Lisa Hodges, your neighborhood State Farm agent here in Scottsdale.

I hear this question all the time. Does a red car cost more to insure?

The answer is no.

Insurance pricing is not based on color. It is based on factors like your driving record, where you live, and the type of vehicle you drive.

Understanding what actually impacts your policy helps remove a lot of unnecessary confusion.

And more importantly, it allows you to make more informed decisions moving forward.

If you are reviewing your coverage or planning a purchase, I am happy to walk through it with you.

📞 Call or text (623) 259-2991
🌐 insuredbylisa.com

05/11/2026

There is a long-standing belief that the color of your car impacts your insurance price.

The truth is, it does not.

Insurance pricing is based on measurable risk factors such as your driving history, location, vehicle type, and coverage selections, not aesthetics.

What actually matters is understanding which factors influence your cost and how to position them correctly.

If you are purchasing a vehicle or reviewing your policy, this is where strategy matters.

Let’s take a look at how your profile is currently structured. 💡

📞 Call or text Lisa Hodges at (623) 259-2991
🌐 Visit insuredbylisa.com

05/06/2026

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05/06/2026

Hi, I’m Lisa Hodges, your local State Farm agent here in Scottsdale.

One of the most common questions I get is how deductibles actually work in real life.

Your deductible is the amount you may be responsible for before your coverage applies.

It is also one of the main factors that shape how your policy is structured.

A higher deductible can lower your monthly cost. A lower deductible can reduce your out-of-pocket responsibility during a claim.

There is no one-size answer. It comes down to how you want your coverage to function.

If you are not sure your current setup makes sense, I can help you walk through it.

📞 Call or text (623) 259-2991
🌐 insuredbylisa.com

05/04/2026

Your deductible is one of the most important factors in your policy, yet it is often chosen without much strategy.

It directly influences how your coverage performs in real-world scenarios and how your overall cost is structured month to month.

A higher deductible may lower your monthly cost, while a lower deductible can reduce what you pay out of pocket if something happens.

The key is not choosing one or the other. It is choosing what aligns with your financial position and risk tolerance.

Let’s review your current setup and make sure it is working in your favor. 💡

📞 Call or text Lisa Hodges at (623) 259-2991
🌐 Visit insuredbylisa.com

04/27/2026

Coverage limits are the "financial ceiling" of your insurance policy. When that ceiling is too low, your home, savings, and investments are at risk. As your life and assets grow, your limits should evolve with you. It’s about more than the monthly premium; it’s about protecting your net worth from potential lawsuits.

When was the last time you updated your liability limits? If it’s been more than a year, it’s time for a conversation. 📈

📞 Call or text Lisa Hodges at (623) 259-2991
🌐 Visit insuredbylisa.com to learn more about your home and auto insurance options.

04/22/2026

April is Distracted Driver Awareness Month.

Even a quick glance at a phone can take your attention off the road longer than you realize. In Arizona, distracted driving remains one of the leading causes of preventable accidents, making it more important than ever to stay focused behind the wheel.

While safe driving habits are the first line of protection, having the right auto coverage is also important. Liability coverage helps protect against injuries or damage to others, while Collision and Comprehensive coverage help address damage to your vehicle from accidents or unexpected events.

Taking a moment to review your auto coverage can help ensure it still fits your life and driving needs.

📞 Call or text Lisa Hodges at (623) 259-2991
🌐 Visit insuredbylisa.com to learn more about your home and auto insurance options.

04/20/2026

Your insurance premium reflects your unique risk profile. While we can’t control the market, we can control how you're positioned within it. Factors like your driving record, the age of your home's roof, and even your chosen deductibles all act as "levers" to adjust your total cost. My job is to help you pull the right ones.

Let’s review your current plan to see where we can make changes for the year ahead. 💡

📞 Call or text Lisa Hodges at (623) 259-2991
🌐 Visit insuredbylisa.com to learn more about your home and auto insurance options.