Summertime can be a lot of fun — the pool, the warm weather, the family vacations. There’s a lot to like.

But the summer can also bring about some risks that you, as a homeowner, should know about. Things like tornadoes, hail, and water damage from excessive rain can put a serious damper your good-weather vibes (to say nothing of your checkbook).

Your homeowner’s insurance policy probably already covers extreme weather events, like a tornado or damage, but there could also be something you’re missing. Not all companies cover water damage from a flooded basement, for example, or damage from a tree limb snapping off in a wind storm and hitting your roof. Those uncovered events can leave you paying a lot more than your deductible. Fortunately, you have some options to supercharge your insurance plan and protect yourself against whatever summer brings.

You can easily add a Backup of Sewer or Drain endorsement to your policy, which protects you in case water (or nasty water-borne materials) wind up in your house. Some companies also have wind and hail deductibles that you can look into — it’s all about knowing your policy, knowing your risks, and knowing how to match the two up.

And we, the folks at Stephanie Wilmsmeyer State Farm, can help. We take pride in sitting down with our homeowners and conducting a thorough insurance and financial review. It’s not about filling out a math formula with us; it’s about providing clear, honest customer service for each homeowner. We craft each policy based on what works for each person, and after our homeowners have signed, we stick by them. We go over policies every 18 to 24 months and make sure everything still fits.

We want our customers to stay protected all year, and it’s our job to make sure that happens. Insurance isn’t seasonal — you always need it — but risks might be. Talk with us and we’ll figure out how you can get the policy that works best for you and your family.


Stephanie Wilmsmeyer is the owner of Stephanie Wilmsmeyer State Farm. You can reach her at 573-445-5774.


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