Modern Agency Insurance Group

06/16/2026

Hope your summer is off to a great start! Whether you’re enjoying the weather, hitting the beach, or setting off on a summer adventure, we hope this season brings some well-deserved relaxation.

If you have any insurance questions or would like to schedule a policy review, do not hesitate to give us a call. We're here to help!

06/11/2026

Summer is here, and many homeowners are either adding exciting features to their backyards or getting them ready for a summer full of fun.

While additions like pools, playgrounds, trampolines, and more can create memorable experiences, they can also increase your liability exposure. Swipe for a few key steps you can take to ensure you’re prepared for the liability risks associated with common backyard toys.

Summer fun doesn’t have to come with extra risk. Our team can help you review your homeowners’ liability limits, discuss additional coverage options, and make sure required safety measures are in place. Give us a call today, and we can get started.

06/10/2026

Real results. Real feedback. See what our customers have to say.

06/08/2026

Lots of rain hitting areas we insure... Some information that may help you to be more prepared !

🌧️ Floods Can Happen Anywhere — Are You Protected? 🌧️

Many homeowners assume their standard insurance policy covers flood damage, but in most cases, it doesn't. Just one inch of floodwater can cause thousands of dollars in damage to your home and belongings.

✅ Protect your property
✅ Safeguard your finances
✅ Gain peace of mind before the next storm

Don't wait until severe weather is in the forecast. Explore your flood insurance options today and make sure you're prepared for the unexpected.

06/05/2026

🏡 Is Your Home Properly Protected After Moving It Into a Family Trust?

Many homeowners don’t realize this, but changing the deed on your home — especially when placing it into a family trust or living trust — can impact your homeowners insurance coverage.

A trust can be a smart estate planning tool that helps:
✔ Avoid probate
✔ Simplify inheritance
✔ Protect family assets
✔ Make transitions easier for loved ones

But here’s the important part:
If your insurance policy is not updated correctly after the deed changes, you could create gaps in coverage or claims complications later.

Here are a few things homeowners should review:
🔹 Is the trust listed properly on the policy?
🔹 Does the named insured match the deed?
🔹 Is liability coverage still structured correctly?
🔹 Have umbrella policies been updated too?

A quick policy review today can help prevent major headaches tomorrow.

If you’ve recently:
🏠 refinanced
🏠 transferred ownership
🏠 added a family trust
🏠 inherited property

…it may be time for an insurance checkup.

Protecting your home means protecting the people and future tied to it. ❤️

Give us a call today to make sure you are protected properly today at 615-442-6747

06/04/2026

June is National Fireworks Safety Month — a perfect time to plan summer celebrations that are fun and safe. Fireworks are exciting, but they also contribute to thousands of emergency room visits and fires each year.

While small displays put on near the home often seem safe, small fireworks can still pose a serious safety risk. However, there are plenty of ways to celebrate safely this summer. This can include laser light shows, drone displays, festive block parties, glow sticks, and confetti poppers.

It’s important to remember that even with precautions, accidents can still happen. Now is a good time to check in on your coverage and make sure you understand your liability basics heading into the season.

Have questions about your policy? Don’t hesitate to reach out to our team. We are here to help you.

06/04/2026

It's Summer Time!!!
Do you have the proper coverages in place?!?!?

Let us assist you by calling or texting us today at 615-442-6747

Talk soon!

06/03/2026

Did you know?!?! when you get a new roof on your home that it can help with your homeowner insurance rates?!?! Let us know how we can help shop your insurance today!
Call/Text 615-442-6747

06/02/2026

05/29/2026

Scheduled Property vs. “Beyond” Jewelry & Personal Property Coverage

**💎 Is your jewelry fully protected?**
Most homeowners insurance policies have limits on high-value items like jewelry, watches, collectibles, cameras, and designer handbags. That’s where **Scheduled Property Coverage** and **Enhanced Personal Property Coverage** come in.

# # # 🔒 Scheduled Property Coverage

This is extra protection for specific valuable items you list individually on your policy.

✅ Often covers:

* Jewelry
* Engagement rings
* Fine art
* Fi****ms
* Musical instruments
* Collectibles

✨ Benefits:

* Higher coverage limits
* Protection against accidental loss
* Fewer deductible concerns
* Appraisal-based value coverage

# # # 🏡 Beyond Jewelry & Personal Property Coverage

This broader coverage extends protection for valuables without scheduling every item individually.

✅ Great for:

* Multiple valuable belongings
* Electronics
* Luxury accessories
* Sports equipment
* Collectibles

✨ Benefits:

* Expanded protection
* Higher category limits
* Simplified coverage
* Extra peace of mind

📌 The big difference?
**Scheduled Property** protects specifically listed high-value items individually.
**Enhanced/Beyond Personal Property Coverage** increases protection across categories of valuables more broadly.

💬 Not sure which option fits your lifestyle? A quick policy review can help make sure the things you value most are properly protected.