Gary Maxwell Insurance-Sparta

10/16/2026

Life changes, and your life insurance needs can change right along with it!

Major milestones often bring new financial responsibilities, making them a great time to review your coverage.

Here are six life events that may mean it's time for a life insurance checkup:

✔️ Getting married
✔️ Buying a home
✔️ Welcoming a child
✔️ Getting divorced
✔️ Preparing for retirement
✔️ Updating your estate plan

Whether you're taking on a mortgage, growing your family, or planning for the future, your life insurance should reflect your current needs and goals.

When was the last time you reviewed your policy?

Call Gary Maxwell Insurance Agency at (931) 528-0474 to make sure your coverage is keeping up with life's changes.

Life insurance provides financial protection for loved ones in the event of the policyholder’s death. Coverage needs may change due to various factors...

10/14/2026

Did you know your life insurance policy can be customized to fit your needs?

Life insurance riders are optional add-ons that can provide additional benefits beyond your basic policy.

Depending on your insurer and policy, available riders may include:

✔️ Waiver of premium: May allow you to stop paying premiums if you become totally disabled and meet certain requirements.

✔️ Accelerated death benefit: May let you access part of your death benefit early if you experience a qualifying serious illness.

✔️ Child term coverage: Adds life insurance protection for eligible children.

✔️ Guaranteed insurability: May allow you to purchase additional coverage in the future without another medical exam.

Riders can offer valuable flexibility, but availability, costs, and limitations vary by policy.

Not sure what options are available to you? Call Gary Maxwell Insurance Agency at (931) 528-0474 to review your life insurance coverage and explore riders that fit your needs.

Life insurance policies aren’t always one-size-fits-all. Many insurers offer optional add-ons, known as riders, that let policyholders adjust th...

10/12/2026

If your car was stolen tomorrow, would your auto insurance cover it?

Many drivers assume their auto insurance automatically protects them against theft, but that isn't always the case.

Comprehensive coverage is what typically helps pay for a stolen vehicle, up to its actual cash value minus your deductible. Liability coverage alone won't cover the theft of your own car.

A few simple habits can also help reduce your risk:

✔️ Always lock your doors and take your keys
✔️ Park in well-lit areas whenever possible
✔️ Keep valuables out of sight
✔️ Consider using anti-theft devices
✔️ Never leave your vehicle running unattended

If your car is stolen, report it to the police and contact your insurance agent as soon as possible.

Not sure if your policy includes comprehensive coverage? Call Gary Maxwell Insurance Agency at (931) 528-0474 to review your auto insurance and make sure you understand your protection.

Everyone knows auto insurance is there to help when your vehicle’s been damaged. But what happens when all you’re left with is an empty parking spot?...

10/09/2026

Have employees? There’s a type of business insurance you may want to know about.

Employment Practices Liability Insurance, or EPLI, can help protect businesses against certain employment-related claims, including:

✔️ Discrimination
✔️ Harassment
✔️ Wrongful termination
✔️ Retaliation
✔️ Other covered employment practices

Even with strong HR policies and a great workplace culture, employment disputes can happen. Defending your business against a claim can bring significant legal expenses, settlements, and other costs.

The right coverage depends on factors like your number of employees, industry, HR practices, and overall risk exposure.

Not sure whether EPLI makes sense for your business? Call Gary Maxwell Insurance Agency at (931) 528-0474 to review your commercial insurance and explore your coverage options.

Employment Practices Liability Insurance (EPLI) protects businesses against claims of wrongful employment practices such as discrimination, harassment...

10/07/2026

October 4–10 is Fire Prevention Week, a good reminder to take a few simple steps to protect your home and family.

Add these quick checks to your to-do list this week:

✔️ Test smoke alarms throughout your home
✔️ Review your family’s fire escape plan
✔️ Keep a fire extinguisher accessible in the kitchen
✔️ Clean dryer vents and chimneys
✔️ Keep space heaters away from anything flammable
✔️ Avoid overloading outlets and extension cords

It’s also a good time to review your homeowners insurance. Coverage may help with repairing your home, replacing belongings, and temporary living expenses after a covered fire, but limits and coverage can vary by policy.

If you’ve renovated your home, purchased valuable items, or simply haven’t reviewed your policy recently, give Gary Maxwell Insurance Agency a call at (931) 528-0474. We can help make sure your coverage still fits your home and needs.

Every October, the National Fire Protection Association observes Fire Prevention Week, which falls on October 4-10 in 2026. The observance began over...

10/05/2026

Heading out of state? You probably don’t need a separate auto insurance policy just for the trip.

In most cases, your auto insurance follows your vehicle when you travel across state lines. Still, there are a few situations when it’s worth checking in with your insurance agent:

✔️ You move your primary residence to another state
✔️ You keep a second vehicle at an out-of-state home
✔️ You regularly keep a vehicle in another state for work
✔️ You spend an extended amount of time away from your primary residence

It’s also a good idea to keep proof of insurance handy when traveling since requirements can vary from state to state.

Planning a trip, moving, or splitting your time between states? Call Gary Maxwell Insurance Agency at (931) 528-0474 to make sure your auto coverage is ready to go wherever the road takes you.

If you frequently travel or stay out of state, whether for business or by lifestyle choice, you may have noted the subtle — and sometimes not-so-subtl...

10/02/2026

Burst pipe? Leaky plumbing? Backed-up drain? Is it covered by homeowners insurance?

The answer depends on what caused the damage.

Homeowners insurance may help cover sudden and accidental plumbing damage, such as a pipe unexpectedly bursting and damaging your floors, walls, or belongings.

However, standard policies typically don’t cover:

❌ Damage caused by normal wear and tear
❌ Problems caused by poor maintenance or neglect
❌ Flooding
❌ Sewer or drain backups without applicable additional coverage

The best time to find out what your policy covers is before you’re standing in a puddle wondering what to do next.

Call Gary Maxwell Insurance Agency at (931) 528-0474 to review your homeowners coverage and ask about options for additional water protection.

When something goes catastrophically wrong in your plumbing system, it can lead to one soggy and expensive mess. Standing in that mess can leave you w...

09/30/2026

No kids? You might still have reasons to consider life insurance.

Life insurance isn’t only for parents. Depending on your situation, coverage could help with:

✔️ Funeral and final expenses
✔️ Certain debts or jointly held financial obligations
✔️ Financial support for aging parents or other loved ones
✔️ A mortgage or other shared expenses
✔️ Business partnerships and succession plans
✔️ Estate planning or charitable giving

Your needs may also change over time as you buy a home, start a business, get married, or take on new financial responsibilities.

Life insurance should reflect your life, not a one-size-fits-all checklist. Call Gary Maxwell Insurance Agency at (931) 528-0474 to explore what coverage might make sense for you.

A Common Misconception About Life Insurance Many people assume life insurance is only necessary once you have children or a spouse who depends on your...

09/29/2026

09/28/2026

What can life insurance actually help your family pay for?

Probably more than you think.

Life insurance can help provide financial support for things like:

✔️ Mortgage payments
✔️ Everyday living expenses
✔️ Education and student loan obligations
✔️ Your children’s future needs
✔️ Business expenses and succession planning
✔️ Funeral and final expenses

The goal isn’t simply to leave behind a lump sum. It’s to help the people who depend on you continue managing the financial responsibilities and plans you once shared.

Not sure how much coverage you need? Gary Maxwell Insurance Agency can help you explore your options and find a policy that fits your family, goals, and budget.

Call us at (931) 528-0474 to start the conversation.

Life insurance 1 is something people in many different situations and stages of life should consider. Even knowing this, you may still wonder why life...