Modern Agency Insurance Group

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.

05/28/2026

Protecting your family means more than paying bills today — it means making sure they can stay in the home they love tomorrow. ❤️🏡

If something unexpected happened to you, would your spouse be left with a mortgage payment, debt, and financial stress while grieving?

Life Insurance + Mortgage Protection can help:
✔️ Pay off the mortgage
✔️ Replace lost income
✔️ Protect your children’s future
✔️ Give your family peace of mind

Your family shouldn’t have to choose between keeping their home and moving forward after a loss.

A small plan today can make a life-changing difference tomorrow. Message me to learn affordable options that fit your budget. 💙
Call today (615) 442-6747

05/28/2026

Home Insurance Coverage Check 🏡
Your home is one of your biggest investments — but do you really understand what your homeowners insurance covers? 🤔

Many homeowners are surprised after a loss to find out they may not have the right protection in place.

Here are a few key coverages every homeowner should review:

✅ Dwelling Coverage – Covers repairs or rebuilding your home after covered damage like fire, storms, or vandalism.

✅ Personal Property Coverage – Helps replace belongings such as furniture, electronics, and clothing.

✅ Liability Coverage – Protects you if someone is injured on your property and you’re found responsible.

✅ Additional Living Expenses (ALE) – Pays for temporary housing and expenses if your home becomes unlivable after a covered loss.

✅ Deductible – The amount you pay out of pocket before insurance kicks in.

⚠️ Important Questions to Ask Yourself:

Would your policy fully rebuild your home at today’s construction costs?

Do you have enough coverage for jewelry, collectibles, or expensive electronics?

Are floods or earthquakes excluded from your policy?

Have you updated your policy after renovations or home improvements?

Don’t wait until after a claim to discover coverage gaps. A quick policy review today could save you thousands tomorrow.

📞 Talk with your insurance professional and make sure your protection matches your needs.

Call/text us today to review your policy 615-442-6747

05/28/2026

🚗 What’s the Difference Between Liability Only vs. Full Coverage Auto Insurance? 🤔

✅ **Liability Only Insurance**
This covers damage or injuries you cause to OTHER people in an accident.

It helps pay for:
✔️ Other driver’s vehicle repairs
✔️ Medical bills for others
✔️ Legal expenses if you’re sued

⚠️ BUT — it does **NOT** cover damage to YOUR own vehicle.

So if you hit a pole, another car, or your vehicle is damaged in a storm or stolen… you pay out of pocket.

————————————

✅ **Full Coverage (Liability + Collision + Comprehensive)**

This includes:
✔️ Liability Coverage
✔️ Collision Coverage
✔️ Comprehensive Coverage

🚘 **Collision Coverage** helps repair or replace YOUR car after an accident — even if it’s your fault.

🌪️ **Comprehensive Coverage** helps protect your car from things like:
✔️ Theft
✔️ Hail damage
✔️ Fire
✔️ Falling trees
✔️ Vandalism
✔️ Animal collisions

💡 Liability protects THEM.
💡 Full Coverage helps protect YOU too.

Not sure which coverage fits your budget and vehicle? Message us today — we’re happy to help! 📩 615-442-6747 call or text or message us here for a complete review and quote!

05/27/2026

✨ Meet Tiffany Thompson-Snyder ✨

Tiffany has been a valued part of the insurance industry since 2012, wearing many hats along the way — from Customer Service Representative, to Sales, to Office Manager, and everything in between. Her passion lies in helping others understand the value of their insurance policies while building strong customer relationships and helping our agency continue to grow.

As our Office Manager and Marketing Specialist, Tiffany plays a huge role behind the scenes through social media, customer communication, retention, and daily operations. She’s known as Mary’s right-hand sidekick, always bringing fresh ideas and creative energy to help move our agency forward. Growth and connection truly are her niche!

Outside of the office, Tiffany is a proud mom to a teenage son who will soon be getting his learner’s permit — and yes, the nerves are definitely real! That stage of life gives her an even deeper understanding of the everyday challenges families face, especially when it comes to teen drivers and insurance needs.

When she’s not behind the desk, Tiffany loves music, traveling, sports, and concerts. Some of her favorite moments are spent making memories with her son at games and concerts while watching him grow into the best version of himself.

We are so thankful to have Tiffany as part of our team! 💙

05/27/2026

🏘️ HOA FEES AREN’T THE ONLY THING OWNERS ARE RESPONSIBLE FOR…

Let’s talk about **LOSS ASSESSMENTS** 👀

If you live in a condo, townhome, or neighborhood with an HOA, this is something many homeowners don’t realize until it’s too late.

Here’s how it works ⬇️

Your HOA has a master insurance policy that covers common areas like:
✔️ Clubhouses
✔️ Pools
✔️ Shared roofs
✔️ Entry signs
✔️ Community spaces

BUT… if there’s a major claim and:
🚨 The HOA deductible is high
🚨 Damage exceeds policy limits
🚨 Not enough reserve funds exist

…the HOA can legally divide those costs among homeowners through a **loss assessment**.

That means you could receive a bill for THOUSANDS unexpectedly 💸

Example:
A storm damages multiple buildings in the community and the HOA’s deductible is $100,000.
If there are 50 homeowners, each owner could be assessed $2,000 or more.

The good news?
Many homeowners insurance policies can include **Loss Assessment Coverage** to help protect you.

✅ Don’t assume the HOA policy fully covers you.
✅ Review your own policy limits.
✅ Understand what your HOA master policy actually covers.

If you live in an HOA community and have questions about your coverage, now is the time to review it — before an assessment shows up in your mailbox 📬

(615) 442-6747 call us today to review with you!

05/27/2026

🇺🇸🎆 4TH OF JULY GIVEAWAY 🎆🇺🇸

We’re giving away a 💥 $400 GIFT CARD 💥 to celebrate Independence Day!

Here’s how to enter:

✅ Complete a FREE insurance quote with our agency
📞 Call us
📱 Text us
📧 Email us

PLUS…

👥 Refer your friends & family for MORE chances to win!

To qualify:
✔ Your referral must complete a full quote
✔ They must mention YOUR NAME when contacting us

We quote:
🚗 Auto
🏠 Home
❤️ Life
🏢 Business
🏡 Renters & More

💰 No purchase necessary
🎯 Multiple ways to enter
⏰ Giveaway ends: Thursday, June 25th

Start saving money while entering to WIN BIG this 4th of July! 🇺🇸

📞 615-442-6747
📱 615-442-6747
📧 [email protected]