Fall in Southwest Missouri means cooler mornings, changing leaves, football and festivals—and the reminder that winter isn’t too far behind. While you’re cleaning gutters and getting the house ready for colder weather, it’s also a good time to give your…
More than four months have passed since the major April hailstorm swept through our area, leaving damaged roofs, dented vehicles and other property damage across Southwest Missouri. In the weeks immediately following the storm, our office was busy helping clients…
There’s something a little surreal about becoming an owner of the business where you grew up. I spent countless hours at Smart Insurance Agency as a child, then worked here throughout high school and college. Eventually, I came back to…
The start of a new school year means shopping for supplies, adjusting schedules, and getting everyone back into a routine. While you’re checking off school supply lists, it’s also a great time to make sure your insurance coverage is keeping…
The recent hail storm left many homeowners across our area dealing with inspections, claims, estimates, and repair decisions. Over the past several weeks, our team has spent countless hours helping clients navigate the process. While every claim is unique, many…
If you run a business using 1099 subcontractors, it’s easy to assume you’ve avoided some of the insurance responsibilities that come with having employees—especially workers’ compensation. We hear it all the time: “I don’t have employees…just subcontractors.” However, when it…
Spring is a natural time to reset—clean out closets, tackle home projects, and get organized. But there’s one thing many homeowners forget to “spring clean”: their insurance. With home insurance costs rising and coverage changing, a quick annual review can…
If your home is owned by a trust, your homeowners insurance policy should reflect that ownership correctly. This is one of the most common details we see overlooked when it comes to homeowners insurance trust ownership. Placing your home into…
March is National Umbrella Month, which makes it the perfect time to talk about one of the most overlooked — but incredibly important — coverages for families: an umbrella insurance policy. Most people assume their home and auto insurance policies…
Working from home. Selling handmade goods online. Consulting clients over Zoom. Teaching lessons out of your home. If this sounds like you, you’re part of a growing group of home-based business owners across the United States — but many of…
