Ridder Insurance Agency, LLC

Make Music! It's the first day of summer and a glorious morning to wander through downtown Liberty hearing the sounds of live music wafting through the air....dont miss the Liberty Ukuladies at 530 at the Presbyterian Church Gazebo at Main and Mississippi

Stop digging around for pet insurance. Farmers offers great benefits to help keep your fur babies healthy and happy. It covers accidents, illnesses, surgery, prescriptions, cancer treatments, physical rehabilitation, routine wellness visits, and more. There's 24/7 help, so if you do have to make a claim, we make it easy. Love your pet's vet, but not the bill? Great news! There's not a veterinary network requirement, so you can stay with the same vet, but pay less! Farm...ers offers different plans for you to chose from. Some plans only cost a few dollars a month. Discounts are also available to help you save even more. Call for more information or a free customized quote today. Written and photo by Kimberly Olivier, Licensed Agent with Ridder Insurance Agency, LLC. #petinsurance #petrescue #healthypets #farmersinsurance #RidderAgency

Is water backup coverage a wash? I had advised one of my customers to add Water Backup to her home owners policy. She had just finished renovating her basement, but declined the extra coverage. A week later, her pipe burst and flooded her newly renovated basement. The loss was not covered. She had to pay almost $10,000 to have everything replaced. She told me later that she wished she would have followed my advise. Water backup coverage is very important for homeowners... and renters. If you live in an apartment building, condo or townhome, then water damage to your personal property may be covered, even if it is coming from another unit. It's always a good idea to contact your landlord/condo/townhouse association to see if there is any coverage on a master policy or in the lease. As a homeowner, you know that unexpected expenses happen when you own a house/condo/townhome. Water Backup covers a sudden and accidental leak. This does not include water damage from a naturally occurring flood. The water must come from any portion of a plumbing system, heating or air conditioning system, automatic fire protection system, or household appliance. The coverage levels available are $5,000, $10,000, and $25,000 with Farmers. Most homeowners and renters don't know that this is not a standard coverage in their property insurance policy. In fact, for most insurance companies, It is an endorsement (addon) to the homeowner/renters policy. Written by Kimberly Olivier, Licensed Agent with Ridder Insurance Agency, LLC. Photo by Daan Mooij on Unsplash #WaterBackup #rentersinsurance #RentersRights #renters #Home #homeowner #insurance #farmersinsurance

Happy Mother's Day to all the other moms out there! #mothersday2021 #mothersday #mother #motherhood #moms

Serving up better coverage for restaurants. As Covid restrictions relax, more restaurants are opening back up. Insuring that your eatery is protected correctly can be tricky. Restaurants have special needs and risks. Farmers offers protections against food contamination shutdown, equipment breakdown, fine arts protection, and other coverages. Digital files have replaced paper, so we also offer cyber liability and data breach protections, as well. ... Whether you rent or own the building, your restaurant will be protected. There's Tenant Improvement coverage that pays for damage to fixtures and alterations you made. Farmers will help pay for profits lost during repairs. Please call or message us for quote today! Written by Kimberly Olivier, Licensed Agent for Ridder Agency, LLC. Photo by hiurich granja on Unsplash #restaurant #restaurants #covid #insurance #commercial #farmersinsurance