Kelly Lux - State Farm Agent

Earthquakes don't wait for storm season. Only 13% of Californians have coverage, and a calm July day is the easiest time to check if you're one of them. Let's talk.

Think you're covered if a disaster hits and rebuilding costs spike? That gap between your policy limit and actual costs is where things get tricky. Let's talk through your options.

Your homeowners policy might cover your laptop, but what about the work saved on it? Freelancers face gaps most people don't think about until it's too late.

Thinking about renting out your place this summer? Your homeowners policy might not work the way you expect once guests are involved. Let's talk before you list.

Summer means more cyclists and pedestrians on Bay Area streets—and that changes your liability math in ways most drivers don't think about until it's too late.