Valentine's Day is right around the corner. Have you already gotten that special someone the perfect gift that shows how much you love them? Or are you like me who knows when every single holiday is coming, yet still manages to wait until the day before to try and find the right gift? Personally, gift shopping is my Achilles heel. I am a terrible gift buyer and I don't try to deny it. My wife has come to terms with this over the years, and thankfully she still loves me anyways!

Here's a riddle to see if you can figure it out:

It's something you don't ever think about until you need it the most.

But seeing as you are on my website and reading this blog, there's a pretty good chance you already know what it is......

Pretty obvious, I know. But really ask yourself, when was the last time you truly looked at your insurance policies? Do you even know what you have (or is it still up to date)??

Before I got into the insurance industry I only knew 3 things about my policies:

1. How much my monthly payment was
2. When my monthly payment was due
3. How much my deductibles were if I had to file a claim

I kid you not, I didn't know ANYTHING about the policies or what any of the different coverages even meant. The thing about it is, YOU aren't supposed to know all of that. Your AGENT, the one who went through the licensing process with the State and has to do continuing education to keep their license, does. The biggest issue right now in the insurance industry is agents not really doing the full job for their clients and just trying to sell them the cheapest possible thing to hit a quota. Also, with the rise in technology, more and more people are now purchasing their insurance 100% online without having a clue of what they are getting (This is frightening)! Without knowing it, one bad day could end up causing you to be in financial ruin, which many times could be avoided by something as little as $10 per month.

So why are we talking about Valentines Day, Insurance, and Online Shopping? Because everything we do at the Stephen Turner Agency is to make sure that one bad day does not change your entire financial future. To make sure that you and your family have the peace of mind that when (not if) something happens, you can make one phone call and get taken care of.

Everyone wants to pay as little as possible for their insurance, me included! But the truth is that you want to pay the least amount possible for the RIGHT coverage. Everyone has their own unique situation and different needs. We say it all the time, but there is NO 'one-size-fits-all' in insurance. So when you purchase a policy online not understanding what you are doing or with an agent who doesn't take the time to understand your needs, you are essentially throwing money into the trash.

If you are filing a claim, chances are you are already having a pretty stressful day (Unless you just woke up one morning, had a cup of coffee, and thought "You know what, I'm going to file a claim on my insurance today just for fun"). Something has already gone wrong like a car accident, storm damaged your home, etc. The LAST thing you need to deal with is finding the right 800 number for the claims department, waiting on hold forever, and maybe getting someone who knows what they are doing so you don't have to be transferred multiple times just to get taken care of.

At the Stephen Turner Agency, we are a full service agency. That means we help you from getting your policies set up correctly, helping anytime you have questions or concerns, and being able to file you claims when they happen so you only ever have to contact our office for anything! We take pride in being your choice to protect your family, and we are always available to help when you need us. 

So as you are thinking about your loved ones this Valentine's Day, ask yourself what really matters. The roses and jewelry are beautiful, and the chocolate is delicious. But long after those things are gone, you are still going to need someone on your side that you can get in touch with when the bad days happen.

Farmers Insurance was recently awarded the Gold Medal for a second year in a row by Kiplinger's for best Customer Service in the Auto and Home Insurance category (https://bit.ly/3neNuOy). And the reason this is important is because not all insurance companies, or agents, are created equal! You deserve to know what you are getting with your insurance policies, because the worst possible time to find out something isn't covered is AFTER you file a claim.

Here at Farmers not only do we have some of the best coverages to protect your family, but we pride ourselves in making sure you have the RIGHT coverage for your specific needs. My biggest worry as an insurance agent is that someone will file a claim only to have it denied or not fully covered. In that case, you have every right to question your agent as to why they never mentioned the different coverages or options with you as they should have.

The question that would keep me up at night is "Why didn't you ever mention that to me?" And because of that we look at every option available for you AND make sure to cover those different options so you understand what you do (and don't) have on your policies. We dive deep at the Stephen Turner Agency to ensure that question can never be asked of us and to make sure you understand and are confident with the insurance you have with us. Because no one, the agent included, likes surprises in insurance!​

We take pride in what we do, because helping families like you get the customized protection for your specific needs is so important, yet so often overlooked.  We say it ALL the time, but there is no 'One-Size-Fits-All' when it comes to insurance.

So ask yourself this: The last time you talked to your agent or switched your insurance did the person go over the coverages with you or just give you the price?

Did that person give you different options for your insurance or ask questions to make sure that everything you own (Jewelry, Firearms, Instruments, Art, Collectibles, etc.) were properly covered? *Many people don't realize that most homeowners policies only cover certain items up to $1,500 without a rider on the policy for those specific items. So if you have an $6,000 wedding ring set with no rider on your policy, your policy would only pay out $1,500 to replace it, making you come out of pocket $4,500! This is just one of DOZENS of examples that I see on a daily basis.*

Insurance is a very intricate industry which is why we have to go through a licensing process and continuing education to ensure we understand the different components and stay up to date with any changes. So if you purchased your insurance online without the help of an agent, or if you have an agent who did not cover all the different aspects of your insurance and give you customized options for your specific situation, you need to shop around. We would love to get you a quote and see how we can help you get better protection and the confidence that if something happens you only have to make one call to get taken care of.

We also provide a free review of your current policies to explain what you ​have and will ask the right questions to make sure that you have the right coverages in place. 

The Stephen Turner Agency is a 'Best of Georgia 2021' winner for Insurance Agencies and our customers have all agreed. But please don't take our word for it. We want you to be confident in your insurance and your agent, so please see what others are saying about us on Google (bit.ly/3FbKmJn) and check out the Best of Georgia 2021 winners on the Georgia Business Journal website (bit.ly/3Ffj6de).

We would love the opportunity to earn your business and show you the level of service you should be receiving from your insurance agent. With us you don't call 800 numbers and wait on hold forever just to talk to someone who has no idea who you are. You call our local agency and get someone in our office that can help you to make any changes or address any issues right away. When it comes to insurance, many people don't think about it until they need it (Don't worry, we understand). But when you do need it, make sure you know you have the protection you need and can rely on so a bad day doesn't turn worse!

earlier this year in March. So what does this mean for YOU, the average consumer?? Now that Farmers has acquired MetLife's property and casualty (Auto, Home, and Umbrella) business, that means we have even more options available to ensure you get the right insurance for your family at the best price!

In addition to having even more options now, we are also able to offer an annual auto policy rather than the standard 6 month policy that many other companies have. That means you get a locked in rate for an entire year and don't have to worry about your rates jumping every 6 months!

This is all part of our desire to be able to help as many Georgians as possible and get you with a full service agency who truly puts you first, not a policy. We take a little extra time on the front end getting everything tailored to your specific needs so that when something happens, you don't have to worry about fighting with your insurance company and can get taken care of in a quick and hassle free manner.

So even if you have gotten a quote from Farmers in the past, now is the time to make sure you still have the best protection at the best rate. We have had some rate changes and now have all new products to be able to show you as well! And although we just launched this week, we have already helped over a dozen families save money on their insurance and we can help you too. So don't wait, because you have nothing to lose by getting an updated quote and some extra money in your pocket every month to gain!

Give us a call at 678-719-0678 today or click/scan the QR code above and we will be able to get to work for you. Have a great weekend and stay safe out there!