Lincoln County Mutual Insurance, Inc.

04/08/2026

April has a way of whispering, “Let’s change things up.”

Fresh paint. New floors. That kitchen you’ve been dreaming about finally coming to life. It starts as inspiration… and before you know it, you’ve added real value to your home.

But here’s the part most people don’t think about:

When your home changes, your coverage should too.

If you’ve upgraded finishes, expanded space, or invested in higher-end materials, your current policy may not reflect what it would actually cost to repair or rebuild after a loss. And that gap? That’s where surprises live.

National Decorating Month is the perfect reminder to check in.

Before the dust settles on your next project, give your agent a call. We’ll make sure everything you’ve worked for is properly protected so your investment doesn’t disappear when life takes an unexpected turn.

📞 636-528-8242
🌐 https://lcminsuranceagency.pulse.ly/aksqjbt6p2

Through all the seasons and all the reasons, we’re here to help you protect what’s yours.

04/07/2026

Share the road! Spring planting on the way!

Some farm equipment can take up the whole road. Farmers and other drivers can share the road safely with a little care.

04/05/2026

Our sincerest wishes for a wonderful Easter! May your day be filled with the makings of beautiful memories!

04/05/2026

April marks National Vehicle Maintenance Month. Conducting preventative maintenance on your vehicle is crucial for preserving its value and, most importantly, ensuring your safety on the road. Implementing regular, basic measures can prevent accidents, reduce claims, and keep you moving efficiently. Check out these five simple steps to set you on the right path!
Check Your Tires Monthly
Keep them properly inflated and inspect for wear. Bald tires are a leading cause of weather-related accidents.

Stay on Top of Oil Changes
A healthy engine reduces the risk of breakdowns that could lead to towing and roadside claims.

Replace Wiper Blades Seasonally
Clear visibility is critical—especially in heavy rain or snow. Don’t wait until the first storm to realize they’re streaking!

Test Your Brakes Regularly
Squeaky or slow brakes are a red flag. Addressing them early can prevent costly rear-end collisions.

Keep Headlights and Taillights Clean & Functional
Poor lighting reduces your visibility to other drivers, especially at night or in bad weather—leading to avoidable fender benders.

Need a quote on your auto insurance? We can help with that, too!
➡️ https://lcminsuranceagency.pulse.ly/zkylcxt30q

04/04/2026

A line of thunderstorms will move into the area from the west tonight. These storms will initially be strong to severe, but will weaken as they move across the area. Severe storm chances are the greatest in central and northeastern Missouri, and fall off toward the Mississippi River. The primary threats with any severe storm will be damaging winds to 60mph. We may also see a weak tornado or two.

04/03/2026

A slow down on the weather is looking for a promising weekend! Stay safe out there and check for wind damage!

After a busy week weather-wise, we deserve a break! Well, just in time for Easter, cooler and dry conditions will take hold. Enjoy!

04/01/2026

It's April Fool's Day. Even the simplest of pranks can go sideways. We're here for all the seasons and all the reasons you need us, but please...celebrate responsibly. 🃏🃏🃏

04/01/2026

March has a way of keeping us on our toes. One day feels like spring, the next reminds us winter isn’t quite done yet… and in between, the wind howls, the rain rolls in, and the sky puts on a show.

Our latest article takes a closer look at why early spring is one of the most active times for property losses across Missouri, and what you can do now to stay a step ahead. From securing what’s outside to checking what’s overhead, a little attention this time of year can go a long way.
👉 https://lcminsuranceagency.pulse.ly/1sdi7m0wfv

Take a few minutes to give it a read. It’s the kind of insight that helps protect what matters most before the next storm rolls through.

And as always, if something catches your eye or raises a question, we’re right here to talk it through - through all the seasons and all the reasons you need us.

03/30/2026

There’s something special about coming home… and even more special about building a life where your roots already run deep.

We’re proud to welcome Micajah “Cage” Goins to the LCM Insurance Agency team.

Cage grew up on a small farm in southeast Kansas, where hard work, strong values, and a connection to the land were part of everyday life. With deep family ties in Lincoln County, this move is more than a career step. It’s a homecoming.

Before stepping into the insurance world, Cage spent time working outdoors and alongside the Natural Resource Conservation Service, gaining a real understanding of land, property, and the people who care for both. That perspective matters here. It’s the kind of experience that can’t be taught, only lived.

Cage and his wife Abby, along with their son Jackson, are excited to plant roots in the Troy community and be part of something bigger than themselves.

And that’s exactly what we’re about.

At LCM Insurance Agency, we believe in relationships that go beyond policies. We believe in knowing our people, understanding their lives, and showing up when it matters most. Cage fits that vision naturally, and we’re excited for you to get to know him.

Join us in giving him a warm welcome!
Small enough to know you, but strong enough to serve you.

03/29/2026

🌧️Flash Flooding Can Happen Anywhere — Even Outside High-Risk Zones. Missouri is seeing more frequent and intense flash floods, and they can cause major damage in a matter of minutes. Most homeowners policies do not cover flood damage—but separate flood insurance may be available.

If you’re concerned about your risk, contact us to explore your options.
✅ Ask about flood insurance.
✅ Learn how your current policy responds to water damage.
✅ Be proactive—before the next heavy rain.

Coverage depends on the cause of the flooding and the details of your policy. Don’t wait for disaster to ask the important questions.

03/29/2026

☕️ Did you know you can protect your home systems for less than the price of one fancy coffee a month? We love a good Pumpkin Spice too—but skipping just one can get you Home Systems Breakdown coverage!

This add-on to your policy helps cover unexpected repair or replacement costs when major systems suddenly stop working, like:

✅ Washers & dryers
✅ Computer equipment
✅ Dishwashers
✅ Freezers
✅ Garbage disposals
✅ Heating & cooling units
✅ Home security systems
✅ Refrigerators
✅ Sump pumps + more!

Talk to your local agents, Cathy Filsinger & Jeff Davis, about adding this affordable protection to your policy.

📍 Lincoln County Mutual Insurance Agency, Inc.
320 Main Street • Troy, MO 63379
📞 636-528-8242
🌐 https://lcminsuranceagency.com

Through all the seasons and all the reasons you need us.

03/28/2026

We might be a day behind the first pitch, but our roots don’t run on a schedule.

You’ll find us showing up for St. Louis Cardinals baseball, sure… but also for the quiet strength of a well-built home, the early mornings on the farm, the land that stretches wide and steady, and the people who make this state what it is.

Missouri isn’t just where we work. It’s what we care for.

From front porches to fence lines, from main streets to backroads, we’re here for it all. And we always will be.

Small enough to know you, but strong enough to serve you.
Here for all the seasons and all the reasons you need us!