Kirk Insurance Agency

09/29/2026

It's the perfect time to get your home ready for fall. Clean gutters, check heating systems, seal windows, and inspect smoke detectors before colder weather arrives. A little maintenance now can help prevent bigger issues later.

It's the perfect time to get your home ready for fall. Clean gutters, check heating systems, seal windows, and inspect smoke detectors before colder weather arrives. A little maintenance now can help prevent bigger issues later.

09/29/2026

🏡 What goes into your home insurance? It may be more than you think.

Every home is different, and insurers consider a variety of factors when determining coverage and rates. Some are obvious — but others might surprise you.

Here are 7 things that may play a role:
1. Your roof
The age, condition, and material of your roof can matter when it comes to your coverage and premium.
2. How close you are to fire protection
Things like proximity to a fire station or fire hydrant may be considered when assessing a home's fire risk.
3. Pets
Depending on the insurer and policy, certain pets may affect your liability coverage.
4. Home security features
Smoke detectors, burglar alarms, and other protective devices may be considered by some insurers — and could qualify for certain discounts.
5. Pools and trampolines
They're fun, but they can also create additional liability risks that your insurer needs to know about.
6. Your home's electrical system
The age and type of wiring in your home can affect how an insurer evaluates risk.
7. Your claims history
Previous insurance claims may also be considered when determining your coverage options or premium.

Making a big change to your home? It's always a good idea to let your insurance agent know. We can help you understand how changes to your property may affect your coverage and make sure your policy still fits your needs.

Coverage, eligibility, rates, and discounts vary by carrier and policy. Contact us for details.

09/22/2026

🍂 Happy First Day of Fall!

Cooler air, golden leaves, warm drinks, cozy nights, and curling up with a blanket and a good book — fall is finally here. 🍁

Before you settle into cozy season, it's also a great time to give your home a little attention and make sure it's ready for the months ahead.

🍂 Fall Home Prep Checklist
✓ Clean out your gutters
✓ Test your smoke detectors
✓ Trim branches away from your home
✓ Have your furnace checked before you need it
✓ Seal drafts around windows and doors
✓ Have your fireplace and chimney cleaned and inspected
✓ Review your homeowners insurance

A little preparation now can help prevent damage later — and leave you more time for books, blankets, fires, and everything else that makes fall the best season. 🍂📚🔥

09/19/2026

🌟 Kind Words from Our Customers 🌟

Thank you, Rana, for your kind words! We're so glad Meredith could help you find the right coverage for your home and auto while making the process a positive experience. We truly appreciate your recommendation and support! 💚

09/15/2026

💚 Your referral can make a difference!

When you refer a friend to Kirk Insurance and they become a customer, you'll receive $25 — and we'll donate $25 to a local charity through Kirk Kares.

It's our way of saying thank you for your referral while giving back to the communities we're proud to serve.

Know someone looking for insurance? Send them our way! 💚

🌐 kirkagency.com/kirk-kares/

09/10/2026

🚗 If your car is in the shop after a covered claim, how do you get around?

Rental reimbursement coverage may help cover the cost of a rental vehicle while your car is being repaired after a covered loss.

That can make a big difference when repairs take several days, or longer, and you still need a way to get to work, run errands, and keep up with everyday life.

Rental reimbursement coverage typically:
• Has a daily dollar limit
• Has a maximum coverage limit or number of days
• Only applies when your vehicle is being repaired after a covered loss

Rental reimbursement isn't automatically included with every auto policy, so it's worth knowing whether you have it before you need it.

Not sure what's included in your auto coverage? We're always happy to review your policy with you.

Coverage varies by policy. Contact us for details.

09/07/2026

Happy Labor Day!

In recognition of Labor Day, our offices will be closed Monday, September 7.

We hope everyone has a safe and relaxing holiday! We'll be back to our regular hours on Tuesday, September 8. 💚

09/05/2026

⭐ Customer Review ⭐

Thank you, Douglas, for your kind words! We're so glad Sha could make finding home and auto coverage a straightforward experience. We truly appreciate your recommendation and your trust in Kirk Insurance! 💚

08/28/2026

You don’t need insurance experience. You just need someone who does. Get to know us and feel confident in your protection.

08/27/2026

Planning a home renovation? Before the first hammer swings, it's worth taking a few minutes to prepare.

Here are a few things to keep in mind:
🏠 Hire a licensed and insured contractor.
🔨 Ask how building materials and equipment are protected during the project.
📋 Review your homeowners insurance to see if your coverage should be updated.
⚠️ Keep work areas as safe as possible for your family, pets, and visitors.

A little planning before your project begins can help make the renovation process a little smoother.

Have questions about your homeowners insurance? We're always happy to help.