API Agency

04/30/2026

I get asked a lot, "When should my child get their own car policy?" Liberty Mutual has a great resource to address just that! If you have question please call me!

You may be able to stay on your parent's car insurance if you're under 26 or if you live at the same address.

04/18/2026

With Arizona’s dry summer approaching, preparation is key to reducing wildfire risk and protecting your home.

🌿 Create defensible space—clear dry vegetation and debris at least 30 feet out

🌳 Trim back or remove trees and shrubs overhanging your home

🏠 Use fire-resistant materials and keep roofs/gutters clean

🔥 Eliminate ignition sources (propane placement, ci******es, outdoor burning)

🔌 Check electrical systems for potential hazards

📄 Review your insurance coverage to ensure your have replacement cost coverage protection to rebuild. A simple extended repacement endorsement for 25% or 50% can give you the coverage for as little as $25 a year can provide peace of mind and coverage just in case you need it.

A few proactive steps now can help prevent major losses later.

04/16/2026

I drive a Mini Cooper and other drivers never seem to see my car. To protect myself on the road I have a dashcam because it is one of the smartest (and most affordable) tools to have.

Police ususally will not show up to an accident unless there is an injury, if the driver is imparired or accident damage significantly affects traffic. Here’s why more drivers are adding dashcams:

🚗 Clear evidence in accidents – No more “he said, she said.” Video footage can help quickly determine fault and speed up claims.

🛡️ Protection against fraud – Dashcams can help prevent staged accident scams and false claims.

⏱️ Faster claims resolution – With clear footage, claims can often be settled more quickly and with less stress.

👀 Peace of mind – Whether you're commuting or on a road trip, you’ll always have an extra layer of protection.

It’s a small investment, usualy less than your dedutible, that can save you time, money, and headaches down the road.

03/30/2026

When a Pipe Breaks… What Does Insurance Actually Cover?

A sudden water loss inside your home can be overwhelming—burst pipes, soaked floors, damaged walls, and personal belongings at risk.

Here’s the important distinction:
Your homeowners insurance typically covers the damage caused by the water — like flooring, drywall, cabinets, and contents.

But the actual plumbing repair (fixing the broken pipe itself) is usually not covered.

Think of it this way: insurance helps clean up the mess, not fix the cause.

Every policy can vary, and its important so it’s worth reviewing your coverage before a loss happens. Check to see if your carrier has a designated water loss team. Documentwith photos to show the removal of anything durng the process of finding the problem. This will help a claims adjuster understand what happened before the repair is made.

Have questions about what your policy covers? Let’s talk—I’m happy to help you understand your protection

03/05/2026

Ever had that sinking feeling when a precious piece of jewelry suddenly goes missing?

One minute it’s on your finger… the next, it’s just gone. Maybe it slipped off while you were out, maybe it disappeared during a trip, or maybe it’s one of those frustrating “mysterious disappearances” you can’t quite explain.

Then you check your homeowners insurance and discover something surprising: many policies only cover jewelry losses up to about $1,500. That can leave a big gap if the piece was worth more.

The good news? A stand-alone jewelry policy can protect your valued possessions the right way. These policies often offer:
✨ Coverage for mysterious disappearance
✨ The option for low or even $0 deductibles
✨ Protection for the full value of your jewelry

Even better, a claim on a jewelry policy won’t impact your homeowners insurance rates, so you’re not risking a rate increase over a smaller claim.

If you have jewelry that means something to you—whether it’s valuable, sentimental, or both—it may be worth taking a closer look at how it’s insured.

Because some things are too important to leave to chance.

11/20/2025

Today we did commercials for a partner in the group! It was so much fun with Charity Nelson! We found out we have so much more in common than we ever thought!

10/20/2025

With Solar Power Julie Festerling – I just got recognized as one of their top fans! 🎉

10/11/2025

I just nominated Phones Down Just Drive for the contest! We’re thrilled to support a cause that means so much to us and our community. By nominating this nonprofit, they have a chance to win a $3,000 donation from SECURA. Fingers crossed for a win!

10/07/2025

If you are a federal government employee and have progressive insurance they have offered to help duringthe government shutdown. See Below --

We understand that a number of our shared customers are likely affected by the federal government shutdown, and we’re prepared to help them through this unanticipated hardship.

If you hear from any customers who are federal employees working without pay or furloughed from their federal job as a result of the current shutdown, please encourage them to call us at 800-876-5581. Our service representatives are ready to help with billing issues, including the possible movement of billing due dates.
In addition, remember that our agent-dedicated care representatives are available at 877-776-2436 if you have any questions.

Again, we’re ready to help in any way we can—just call. Thank you for providing the personal care and guidance our customers have come to count on from trusted independent agents like you.

08/22/2025

College campuses are hotspots for theft—bikes, laptops, and cell phones are the most common targets.

Here’s what many parents don’t realize: most insurance carriers don’t consider a dorm room eligible for a renters policy. While some homeowners policies may extend to your child’s dorm, filing a claim could raise your home insurance rates for up to 5 years.

The good news? Independent carriers like Nationwide can insure your student’s dorm room for as little as $14/month. Affordable protection, peace of mind.

Reach out to me today and let’s make sure your student is covered.

08/18/2025

Learn More. http://tkpl.us/pfjdu