Michelle Kuschel

As the fall season approaches, it's important to review your insurance coverage to ensure you're adequately protected. Here are a few insurance-related reminders and tips for this time of year:

• Home Insurance: With the changing weather, it's essential to review your home insurance policy. Make sure you have sufficient coverage for potential hazards such as windstorms, fallen trees, or water damage from heavy rain. Consider updating your policy if necessary.

• Auto Insurance: Autumn brings increased risks on the roads due to wet leaves, fog, and shorter daylight hours. Check your auto insurance policy to ensure it provides adequate coverage for accidents, collisions, and comprehensive damages. Consider adjusting your coverage or adding additional protection if needed.

• Assess Your Coverage: Take some time to evaluate your current life insurance policy. Consider factors such as changes in your financial situation, family dynamics, and any major life events that may have occurred. Ensure that your coverage amount is still appropriate to meet the needs of your beneficiaries.

• Beneficiary Review: Confirm that the beneficiaries listed on your policy are still accurate and up to date. Life changes such as marriage, divorce, or the birth of a child may require adjustments to your beneficiary designations. Policy Comparison: If it's been a while since you purchased your life insurance policy, it may be worth comparing it to newer policies on the market. there are more suitable options available to you now.

Remember, it's always a good idea to consult with an insurance agent who can provide a plan based on your specific circumstances. Stay proactive and protect yourself and your assets this fall season by reviewing and updating your insurance coverage as needed.

Michelle Kuschel State Farm

Choosing to become a State Farm agent has proven to be the most rewarding career decision I have made. I feel fortunate to have the opportunity to assist individuals in our community and beyond, offering them exceptional State Farm products.

The role of insurance professionals has evolved beyond simply providing information. Today, it involves assisting consumers in navigating through a sea of information to identify their specific needs and offer tailored plans. Our goal is to offer a range of options that safeguard individuals from the everyday risks they face. We focus on in life insurance, auto insurance, home/condo/renters' insurance, income protection policies, business policies, commercial insurance, and products that promote a secure financial future.

We are fortunate to have a team that shares our philosophy of going above and beyond. We treat our customers like family, addressing their concerns, providing education when necessary, and offering guidance whenever they need it. Our customers are an integral part of our family, and we deeply value the relationships we have built over the years through our commitment to excellence and integrity.

Please let us know how we can make your experience more enjoyable, informative, and tailored to your specific needs.