Joshua Cerda Insurance Services

Quick tips to keep your home severe weather-ready:

✅ Check your roof regularly for damage, looking for missing shingles, holes or any wear n’ tear that could lead to leaks.

✅ Do you have a basement? Check that your sump pump is working and has a battery backup.

✅ Trim your trees. Falling limbs can do serious damage to your roof, siding or gutters.

But above all else, make sure you have the right home insurance … just in case. Book an appointment and I’ll tell you all about it

You trust me with your home or auto insurance, but why not both? More discounts. More confidence. Fewer worries. There’s no better time to switch and save than right now. Let’s meet for a few minutes and you could save up to 20%*.

*Discounts and availability vary by state. Restrictions may apply. See policy for full details.

Today was special.
My mom stopped by my office — and just having her here reminded me how far I’ve come and who helped me get here. She’s been my biggest supporter from the very beginning.

From cheering me on as a kid to encouraging me to chase my goals as an adult, she’s always believed in me, even when I didn’t believe in myself.

Getting to show her where I work and what I’m building meant the world to me.

Love you, Mom. Thank you for everything. ❤️

Yesterday, we honored the brave men and women who made the ultimate sacrifice for our freedoms. Their courage and dedication will never be forgotten. Let us carry their legacy forward with gratitude and purpose.

Ready to file a claim? We’re here for you. File however it’s easiest for you:

• Phone: 866-COUNTRY

• Web: COUNTRYFinancial.com

• App: Download the COUNTRY Financial Mobile app in the App Store or Google Play

You need car insurance, but do you understand why? Get the answers to your car insurance questions to get the protection you need.

▪️ ▪️ What is car insurance? ▪️ ▪️

Car insurance is protection for your car. You pay your auto insurer a premium and in exchange, they agree to pay for the cost to repair or replace your car if it’s damaged in a collision or other covered event (these are outlined in your policy).

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▪️ ▪️ What's covered? ▪️ ▪️

Most standard car insurance policies include 5 types of car insurance coverages:

Collision coverage for protection for if your car collides with another car or something else.

Comprehensive coverage to protect your vehicle from theft and non-collision damage.

Uninsured and Underinsured Motorist coverage for protection if you’re in an accident caused by someone with no, or not enough, insurance.

Medical Payments or Personal Injury Protection pays for costs resulting from injuries to the driver and passengers in the insured’s car.

Liability coverage pays for damages and injuries to others in an accident that you cause.

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▪️ ▪️ Why do I need car insurance? ▪️ ▪️

All states require car insurance, but the level and types of insurance vary by state. Your insurance agent can help you through your state’s requirements.

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▪️ ▪️ How much does it cost? ▪️ ▪️

What you pay for car insurance will vary based on many factors. Some are about you and your car (like the car you drive and where you live), while others are based on what types and levels of coverage you choose.

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Talk to your insurance agent to make sure you have the right car coverage for your needs!

Most of us already have car and home insurance, because it’s either required by law or your mortgage lender. But what would happen if you were in some type of accident that costs far more than what your insurance protects?

That’s where additional liability (or Umbrella) insurance can help. Here’s a quick overview on what Umbrella insurance is, how it works, and its average cost.

▪️ What is umbrella insurance? It’s additional liability insurance that picks up where your car or home insurance leaves off. Without this additional coverage, an accident that costs more than your liability limit could leave you paying the rest out of pocket.

▪️ Who needs umbrella insurance? Homeowners with families, high-net-worth individuals and landlords are three key groups who could benefit from the additional coverage.

▪️ Sounds expensive … can I afford Umbrella insurance? For what you spend at your favorite coffee shop each year would be more than enough to get you $1 million in Umbrella insurance (it costs on average about a few hundred dollars per year)

▪️ How do I get Umbrella insurance? Talk to your insurance agent. They’re standing by ready to help.

Three times and counting! For the third year in a row, COUNTRY Life has been recognized on Ward’s 50 list of top performing life insurance companies for 2024. This award is given for outstanding financial results in the areas of safety,

consistency and performance over a five-year period (2019-2023). Give me a call today to find out how you can protect what matters most.

Home fires can start and escalate quickly in everyday moments. So, here are some fire safety tips you can use to prevent fires.



1.Pay attention in the kitchen

• Turn the burner off before you walk away.

• Turn pot handles toward the back of stove.

• Keep stove clear of oven mitts, towels etc.

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2. Use a space heater with care

• Leave at least three feet of empty space around the heater.

• Plug the heater into a wall outlet (not an extension cord).

• Ensure heater is approved for indoor use.

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3. Maintain your furnace

• Ask a heating and cooling specialist to inspect it every year.

• Change furnace filters every three months.

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4. Check your chimney

• Pay for annual chimney sweeps.

• Dispose of (or vacuum) ashes only after they’ve cooled for at least 48 hours.

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5. Leave smoke detectors enabled

• If your smoke detector goes off while you’re cooking, don’t turn it off. You might forget to turn it back on.

• Test smoke and carbon monoxide detector batteries at least twice a year.

• Pay attention to your wiring very floor, including the basement.

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6. Pay attention to your wiring

• Don’t overload electrical outlets by reviewing wattage rating and following manufacturer instructions.

• If you blow a fuse, consider it a warning and decrease wattage by plugging that item into a different area.

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Don’t forget to make sure you’re protected with proper home insurance coverage. Give me a call today!