Carr's Insurance Agency LLC

04/23/2026

Love To Explore The World Around Them And Find That’s The Best Way To Learn With All Of Your Senses Learning To Love And Protect.

04/02/2026

There are so many of my clients that are facing very hard times due to the loss they have experienced in the recent floods in our islands. One couple Rueben and Shawnee lost almost everything. Here is a link if you wish to help.

Last week, our family of three—two adults and our 7-year-old granddau… Shanee Giltner-Baptista needs your support for Help Us Rebuild After Devastating Storms

08/21/2025

Entering college is a significant milestone for your child, and as a parent, there are various factors to consider, including insurance coverage. Before your child embarks on this new journey, take some time to read our latest blog to better understand how to keep them protected with the right coverage.

https://carrsinsuranceagency.com/insurance-needs-for-your-college-students/

08/14/2025

RV Adventures Await!

Planning an RV trip this summer? Whether you’re headed to the mountains, the coast, or just exploring the open road, make sure your RV insurance is ready for the journey.

RV insurance helps protect you from more than just accidents—it can also cover things like:
• Damage from storms or falling branches
• Theft or vandalism
• Liability if someone gets hurt at your campsite
• Personal belongings inside your RV

Let’s make sure your coverage is road-trip ready. We’re here to help you travel with confidence and peace of mind! Give us a call or send us a message—we’re happy to do a quick policy check for you.

08/07/2025

Summer fun is calling—and it’s coming from the water!

Whether you're cruising the lake in a boat or zipping across the waves on a jet ski, make sure your insurance coverage is ready before you launch. Accidents can happen fast on the water, and standard home or auto policies usually don’t cover watercraft.
Boat and personal watercraft insurance can help protect you from:
• Accidents and collisions
• Storm or dock damage
• Injuries to others
• Towing and emergency assistance
• Equipment or trailer damage

Let’s make sure your summer toys are properly protected—so you can focus on enjoying the ride. Call us today for a quick quote or policy check!

07/31/2025

Ever wonder why your car insurance premium is different from your friend’s—even if you drive similar cars and have similar records?
From your zip code to your credit score, there are a lot of surprising factors that go into calculating your auto insurance rate. Read our blog to better learn what impacts your premium—and how an independent agent can help you save:

https://carrsinsuranceagency.com/how-are-auto-insurance-premiums-calculated/

07/24/2025

Many people only think to call their insurance agent after a big purchase. But in reality, some of the most important coverage gaps happen quietly—and often get missed.

Here are some common life changes that should trigger a quick policy review (even if you didn’t think they mattered):

• Getting a New Dog: Not all breeds are covered under standard homeowners insurance. It’s wise to notify your agent anytime you bring home a new pet, just to avoid surprises later.
• Home Upgrades or New Structures: Installing a shed, putting in a deck, finishing a basement, or building a home office? These can significantly increase your home’s replacement cost. If it’s not listed in your policy, it might not be covered.
• Getting a Recreational Vehicle (Even a Small One): Golf carts, ATVs, side-by-sides, boats, e-bikes, and even drones often require their own coverage. Homeowners policies don’t always extend to these items—especially off your property.
• Hosting Parties or Events at Home: Planning a big graduation party, wedding, or annual neighborhood BBQ? These are joyful moments—but they increase liability. Event insurance or checking umbrella coverage might make sense.

07/17/2025

Ready for an unforgettable road trip?

Explore the beauty of America’s most iconic National Parks—from the misty peaks of the Smoky Mountains to the geysers of Yellowstone. Whether you’re hiking, driving, or just soaking in the views, these parks offer breathtaking adventures and lasting memories.

Check out our blog for some top picks for a National Park road trip—plus tips for planning ahead!

https://carrsinsuranceagency.com/national-park-road-trip/

07/10/2025

Before you lock up and leave, take a few extra steps to keep your home safe and secure while you’re gone.

1. Use Smart Devices: Smart home technology can do more than make life convenient—it can help deter break-ins. Set timers on lights to make the home appear occupied, and use security cameras or video doorbells to monitor activity remotely.

2. Shut Off the Water: Water damage is one of the most common and costly claims homeowners face. If a pipe leaks or bursts while you're away, the damage can be significant. Shut off your main water valve and consider installing a smart leak detector for added protection.

3. Let Someone Know: Ask a trusted friend or neighbor to keep an eye on your home. Have them pick up packages, check the mail, and walk around the property occasionally. Their presence alone can be a strong deterrent to unwanted visitors.

Taking these simple steps can go a long way in preventing damage and giving you peace of mind while you travel. If you’ll be away for an extended period, it’s also worth checking with your insurance agent to make sure there are no policy exclusions related to vacancy or long-term travel.

07/04/2025

Wishing everyone a fun and safe 4th of July weekend!

Whether you're grilling, traveling, or watching fireworks, take a moment to stay safe and look out for those around you. Have a great time celebrating!