Jackson Insurance & Financial Associates LLC

Wow! We’ve been ranked #1 for life insurance in the U.S. on Forbes’ World’s Best Insurance Companies 2024 list! Plus, we placed seventh in the U.S. for auto insurance and eighth for homeowners’ insurance. To our employees and representatives who embody our values to our clients and communities, thank you. Learn more about the ranking and see the list: https://lnkd.in/gA_JQbqb

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. ____ Learn about our home insurance coverage https://lnkd.in/gtNhBRZb

Why invest the time to do an inventory of your home? Think about this. If something were to happen to your home and the belongings inside of it were destroyed, could you list every item you own right then in that moment? Probably not. That’s why you should do one. It’s easier to do than you think and only takes about 10 minutes. We’ll show you how. ✔️ Use your phone – Capturing it on video is the most efficient way to do a home inventory. The more detailed you are, the better it will be. You don’t need to capture video of everything you own. But you do need to go room by room and show what you can see. ✔️ Use narration – This is a key step. Use your words and describe what you’re recording. To make things easier, do a video clip for each room in your home (don’t forget closets and the garage). ✔️ Focus on big-ticket items – Think of things like flat screen TVs, computers, expensive furniture and valuables (jewelry, etc.). If those items have stickers with serial or product numbers, zoom in and show those in your video. ✔️ Save the video in the cloud – If you only save your video on your computer, what happens if it’s destroyed along with your other stuff? That’s why you should email it to yourself, share it with your spouse or relative, or send it to your insurance agent. ✔️ Update your home inventory once a year – Check in with your insurance agent annually to discuss any major purchases you’ve made since the last time you did an inventory. Be sure to add those new items to your update. Learn more about creating a home inventory here: https://lnkd.in/gsJPZ3Ru

Don’t wait until you’re under a severe weather alert to gather supplies and make a safety plan. Start preparing today with these tips. ✔️ Have an emergency plan. • Decide what your family will do if severe weather is headed your way. For storms and tornadoes, plan to seek shelter in the safest place in your home. That could be a basement, crawl space, internal closet, or bathtub. • If you had to evacuate, where would you go? Identify family members or friends who live far enough away for you to get beyond the path of a hurricane, wildfire, or other natural disaster. Tell them you’d like to include them in your emergency evacuation plan and make sure they’re willing to take you in. • If you have young children, walk through your plan with them, including how they should take shelter in your home. --- ✔️ Build an emergency preparedness kit. Put together a supply of essentials and safety items in an emergency kit. Start with the basics: • Three-to-five-days' supply of bottled water and nonperishable food • Battery-operated flashlight • Battery-operated radio and weather radio • Extra batteries • A first-aid kit • Cell phone charger or battery source for your phone • Personal hygiene items • Blankets or sleeping bags • Download the FEMA app on your phone for real-time weather and emergency alerts. --- ✔️ Gather important personal information. • Make sure you have phone numbers of neighbors, family, friends and utility companies in your phone. • Keep copies of your insurance and property information in your emergency kit. Many insurers, like us, make this information available through their app. If you’re a client, download our COUNTRY Financial mobile app so these documents are easily accessible. • Check to see if your healthcare provider offers online resources to store your medical information so it’s easy to access from your phone. • Keep critical documents, like birth certificates, in a safe or another location you can get to if your home is damaged or destroyed. --- ✔️ Make sure your home and possessions are covered. • Create a home inventory with your phone. Save it to the cloud and email a copy to your insurance agent. • Meet with your insurance agent yearly to review your home insurance policy. • Check your emergency fund to make sure there’s enough to cover your insurance deductible in case you experience major damage to your home. --- Learn more about severe weather preparedness here: https://cfin.us/4aVZ7AT

A huge thank you to @NerdWallet for naming us one of the 6 best home insurance companies for March 2024 and awarding us 5 out of 5 stars! But what does that mean for you? Let’s start with all the ways you can customize your policy so you get exactly what you need. We offer Sump Pump Failure/Back-up of Sewer or Drain Coverage* and Identity Theft Expense & Advocacy Service just to name a few. Among our clients’ favorite add-ons? Our replacement cost coverage. Let’s say the cost to rebuild your home is more than what your policy limits. Our Additional Replacement Cost** coverage means you’ll be able to rebuild your home at today’s prices. It’s like inflation protection. -- At @COUNTRYFinancial, you can expect more protection, more options and fewer worries. -- Want to read the @NerdWallet review? https://lnkd.in/du5EQAJu * Eligibility requirements may apply. ** Property must meet age and condition requirements, which vary by state.

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. ____ Learn about our home insurance coverage https://lnkd.in/gtNhBRZb

Life insurance does more than protect your family. The right policy can help you take on some of life’s biggest challenges, from paying for college, to supplementing your income, or putting a down payment on a vacation home. Let’s connect and go over all your options.