Julie Nagaria Insurance and Financial Services

03/09/2026

10/31/2025

As of April 2025, there were over 500,000 new homes for sale. Are you in the market to buy? If so, it’s important you know your numbers.
“What numbers do I need to know?” We're so glad you asked!
Using our Home Affordability Calculator, input these numbers (plus a few more) to determine how much house you can afford:
• Your annual household income
• Your monthly debt obligations
• How much you have for a downpayment

Buying a house is one of the biggest purchases you will make in your life. Make sure you protect your financial future by knowing what you can afford.

Our Home Affordability Calculator will help you understand what home prices you should target in your home search, so you can walk away feeling confident. Check it out: http://bit.ly/4ooY4Rd

10/28/2025

Whether it’s a tornado, drought, or epic rainfall, following the tips in this carousel will help keep you, your family, employees and farm operation ready for severe weather.
Here’s a question, though: Is your farm insurance ready for severe weather season? It should be. I can help with that. Schedule some time to meet with me today!

10/23/2025

Life insurance is a vital part of protecting your financial future and it will never be more affordable than it is today.

So, how affordable is life insurance, really?
The truth is, it depends on many factors, like age, health, lifestyle, coverage amount, etc. The good news is that even though the factors influencing your rate may feel extensive, getting life insurance is easier than ever. Life insurance companies use advanced underwriting methods to make the process easy for you.
--
How can I lower my life insurance cost?
There are a variety of life insurance options that can fit your needs and budget. But if you want to try to lower your rate, these steps may help:
✅ Purchase a policy at the youngest age possible. Parents may consider purchasing a policy for children as their premiums are typically much lower than an adult’s.
✅ Live a healthy lifestyle. Individuals who live healthy lifestyles generally have lower premiums than those who don’t, as they tend to live longer and have a better quality of life.
✅ Review your insurance options. Term life insurance is typically less expensive than whole life insurance, since you are only paying for it for a certain amount of time.
--
If you don’t have life insurance or haven’t reviewed your policy in a while, meet with me to discuss what life insurance is best for you right now and how much you can expect to pay for it. You might be surprised to learn that it’s more affordable than you first thought.

10/23/2025

If you’ve ever thought that you may not have enough life insurance, you’re not alone. According to the 2024 Insurance Barometer Study Report, 22% of life insurance owners say they do not have enough coverage. Non-owners who say they need life insurance represent 30% of all respondents.

So, what stops us from getting the coverage we know we need? Cost, or more accurately, perceived cost. Nearly three-quarters (72%) of all respondents overestimated the cost of a basic term life insurance policy. It’s worth noting that 54% said their estimate was based on “gut instinct” or a “wild guess.”

The truth is the right life insurance for your needs might be more affordable than you think. Contact me today to see how we can affordably enhance your life insurance coverage with Forbes’ 2024 #1 ranked life insurance in the U.S. or get you set up with a policy that will help you rest easy at night.

Life insurance policies issued by COUNTRY Life Insurance Company®️ and COUNTRY Investors Life Assurance Company®️, Bloomington, IL

09/30/2025

Life insurance provides more protection than you might think. If something ever happens and you are no longer here to help pay for the mortgage, life insurance is a great way to help your family stay in your home. Plus, enhancing your coverage might be more affordable than you expect. Contact me today to discuss your options and feel confident your loved ones have the financial security they need.

09/24/2025

We put together some information to help you understand the basics of a homeowners policy so you’re better prepared when you need to purchase or switch insurance providers. This information is not specific to COUNTRY Financial and is meant to provide a general overview.

◾ What is home insurance?
Home insurance is protection for your home and possessions. You pay your home insurer a premium and in exchange, they agree to pay for the cost to repair or rebuild your home if it’s damaged or destroyed by a covered event (these are outlined in your policy).
____

◾ What does home insurance cover?
Home insurance provides protection against damage caused by sudden and accidental incidents. A standard home insurance policy will usually include three main types of protection:
____

◾ Dwelling Coverage
Designed to repair or rebuild your main home structure, dwelling coverage is the main protection provided by home insurance.
____

◾ Personal Property Coverage
Personal Property Coverage allows you to replace items such as electronics, furniture, clothing and other belongings.
____

◾ Liability Coverage
Liability Coverage provides financial protection for you if someone is injured on your property or a member of your household causes damage to someone else’s property. Umbrella insurance is added liability coverage that goes beyond the limits of your existing car and home insurance.
____

◾ What is a covered loss?
Covered losses are events, sometimes called perils, covered by homeowners insurance. Talk to your insurance agent about the covered losses contained in your specific home policy.
____

◾ How much is home insurance?
Factors affecting the cost of home insurance include: Location, age, size and condition of your home
____

◾ How can I be sure I’m covered for a home insurance claim?
You choose how your property will be valued if you have a claim, and that affects the amount of coverage you have to rebuild. While it may vary by home insurer the levels of protection are actual cash value and replacement cost.
____

Call me for a quote today!