Blake Sonka

While insurance coverage typically remains consistent throughout the year, there are a few considerations you might want to keep in mind when transitioning from winter to spring:

• Home Insurance: As the weather cools, you may want to review your home insurance policy to ensure you have adequate coverage for potential winter-related risks. Also talk to us about potential ways to prevent freezing pipes and other winter risks!

• Auto Insurance: As fall approaches, be on the lookout for deer!

• Outdoor Recreation: As the weather cools and you take out your ATVs, UTVs and other fun vehicles, give us a call to quote it!

• As winter arrives and you start to get out the Holiday decorations it's a good time to inventory your house and make sure you're aware of all the personal property you have in the event of a total loss.

Remember, insurance needs can be unique to each individual, and it's always a good idea to consult with your agent to discuss any specific concerns or changes you may have during the transition from fall to winter!

I grew up in Bloomington originally, unintentionally around State Farm my entire life as my mother worked there for 33 years. After graduating from SIUE in 2016 I worked for an agent in Edwardsville for 4 years before getting my own office in Godfrey, IL. Our office loves taking care of customers and providing spectacular customer service! We are dual state licensed in Missouri and Illinois! We provide Auto Insurance, Fire Insurance, Life Insurance, Health Insurance, and Small Business Insurance. If you're looking for a quote please keep us in mind!

Fall and winter weather can increase risks for your home. In November:

• Inspect your home for potential hazards like leaks, drafts, or damaged roofing.

• Review your home insurance policy to confirm it covers winter-related damages, such as frozen pipes or storm damage.

• Document any recent home improvements to update your coverage if necessary.

As you plan for the future, November is a good time to:

• Evaluate your current life insurance coverage to ensure it meets your family’s needs.

• Update beneficiaries if there have been any life changes.

• Consider purchasing additional coverage if needed.