Michael Schanne - State Farm Insurance Agent

Happy December, friends! Make the most of your December by shopping your old insurance rates make sure you do your shopping at Michael Schanne State Farm as well.

It’s Misconception Monday. Today’s topic: Insurance is a Waste of Money if You Never Make a Claim A belief that some people have is that paying for insurance is pointless if you don’t end up filing a claim. After all, if you never "use" the service, why pay for it? However, this misconception overlooks the essential roles insurance plays. The reality that turns this misconception on its head is clear. Insurance provides… Insurance exists to protect you from significant financial losses that could arise from unexpected events. Accidents, natural disasters, or lawsuits can result in costs that far exceed what most people can afford. Knowing that you’re protected if something goes wrong allows you to live your life with less stress. Even if you don’t use it, the comfort of having that safety net is invaluable. In many cases, insurance is mandatory. For example, auto insurance is legally required in most states, and homeowners insurance is often necessary to secure a mortgage. Even if you never make a claim, maintaining insurance ensures you’re compliant with these requirements. Insurance isn’t just about your own protection; it also ensures that others aren’t left in financial hardship because of an accident or incident involving you. Liability coverage, for instance, protects others and fulfills your financial responsibilities. Without insurance, a single catastrophic event could deplete your savings or leave you in debt. While paying premiums might feel like a sunk cost, it’s far more affordable than covering massive expenses out of pocket. Maintaining a consistent insurance policy, even without claims, can result in discounts. It also builds a positive history that could lead to better rates in the future. Think of insurance like a spare tire in your car. You may never need to use it, but when you do, it could save you from being stranded. Similarly, insurance ensures you’re not financially "stranded" in the event of an emergency. In short, insurance isn’t about whether you make a claim or not—it’s about having a reliable plan in place to safeguard your finances and well-being against life's uncertainties.

This holiday season, the greatest gift isn't under the tree—it's the knowledge that your loved ones are protected. Life insurance is your family's financial safety net when unexpected moments happen. Just like Santa checks his list twice, we help you prepare for every possibility.

What do you want to do when you retire? Did you know that working in any capacity after retirement can boost mental, physical, social, and financial fitness? In this Simple Insights article, you’ll find many reasons why it may make sense for you to continue to work after you retire, including both financial and personal rewards.

What unexpected life event made you realize the importance of insurance? We’ve got oodles of stories that illustrate the importance of insurance. We want to hear yours! For me, it was realizing that if something happened to me unexpectedly, my family would need life insurance to remain in the home. It made the decision to purchase life insurance very easy! Call me today to discuss a State Farm Life Insurance plan here in Middletown.

Happy New Year!

Do you need to talk through covering what matters most to you? Tell us about it! Call or visit your good neighbor in Middletown to review your insurance needs today.

Today is National Lego Day! Celebrate by building with your favorite Lego builder...mine is below. Make it a great day!

Today is National Clean out Your Computer Day! Time to take action and clean up your computer. Some helpful tips..... Wipe down the computer Clean the display Clear vents and fans Clean the keyboard Remove unneeded files Toss the cookies Remove temporary files Eliminate duplicate files Enjoy your Monday...oh and when you are done, review your life insurance plan!

Take the opportunity to prioritize what matters - your family's well-being and security. Call us today for a free life insurance quote!