Boone Insurance Group

Think about the equipment your business relies on every day.
Now imagine some of it is damaged tomorrow.
Would your insurance cover that?
Commercial property coverage may help protect qualifying business property after a covered loss, but assuming you have enough protection and knowing you do are very different things.
Businesses grow. Equipment gets added. What you needed when you first opened may not reflect what you own today.
Boone Insurance Group helps business owners look at their coverage through the lens of how the business currently operates. Melissa can help you understand what’s insured and whether your limits still make sense.
You’ve worked hard to build your business. Your insurance should keep up with what you’ve built.
The protection you need; the service you deserve.

A customer walks into your business and gets hurt.
Would your insurance cover that?
For a business owner, one unexpected incident can quickly turn into a much bigger concern. General liability insurance is designed to address certain claims involving bodily injury or property damage, but the protection you have depends on the policy your business carries.
That’s why business insurance shouldn’t be something you purchase once and forget about.
At Boone Insurance Group, Melissa takes the time to understand how your business actually operates before discussing coverage. As your business changes, your insurance may need to change with it.
If you haven’t reviewed your commercial insurance recently, this is a good question to start with: Does your coverage still match the business you’re running today?
The protection you need; the service you deserve.

Your car is broken into and personal belongings are stolen from inside.
Would your auto insurance cover everything that disappeared?
This is one of those situations where insurance can surprise people. Coverage for the vehicle itself and coverage for personal belongings inside it may come from different policies, depending on what happened and the coverage you carry.
That distinction matters when you’re trying to understand what protection you actually have.
At Boone Insurance Group, we don’t expect you to know how every policy works together. That’s our job. Melissa can help you look at your overall coverage and understand where one policy ends and another may begin.
Insurance shouldn’t require guesswork.
The protection you need; the service you deserve.

Your teenager passes the driving test and suddenly those car keys mean something completely different.
It’s exciting for them. For you, it’s also time to look at your auto insurance.
Adding a new driver to the household can affect your coverage and your premium. It’s also a good opportunity to make sure the policy you’ve carried for years still makes sense now that someone new is behind the wheel.
As an independent insurance agency, Boone Insurance Group can look at options from multiple carriers and help you understand what changes make sense for your family.
A new driver is a big milestone. Your insurance should be ready for it too.
Would your insurance cover that new driver the way you expect? Melissa can help you find out.
The protection you need; the service you deserve.

There’s water in your home, so your homeowners insurance covers it. Right?
Not necessarily.
The source of the water can make a big difference in how a claim is handled. Damage caused by a sewer or drain backup may require specific coverage that isn’t automatically included in every homeowners policy.
This is exactly why Boone Insurance Group believes in reviewing the details instead of simply assuming you’re protected.
Melissa can help you understand what your current homeowners insurance includes and whether there are gaps worth addressing. Insurance gets much easier to understand when someone takes the time to explain what the fine print actually means.
Would your insurance cover that? Let’s find out before there’s water on the floor.

Imagine a covered loss causes enough damage that you can’t stay in your home while repairs are being made.
You know your homeowners insurance may address the damage, but what about the extra cost of living somewhere else?
That’s where Additional Living Expense coverage may come into the conversation. Depending on your policy and the circumstances of the loss, it can help with certain increased living expenses while your home is temporarily uninhabitable.
It’s a part of homeowners insurance that’s easy to overlook until you suddenly need it.
At Boone Insurance Group, Melissa helps homeowners understand more than the obvious parts of their policies. Knowing how your coverage works can make a difficult situation a little easier to navigate.
Would your insurance cover that?

You did everything right. You carried auto insurance and drove responsibly. Then another driver caused an accident, and you discovered they didn’t have enough insurance.
Now what?
This is where understanding your own auto policy becomes incredibly important. Uninsured and underinsured motorist coverage may provide protection when the other driver's insurance falls short, depending on the coverage you carry and the loss involved.
At Boone Insurance Group, we help clients understand these details before they need to use them. If you’re not sure what protection you currently have, Melissa can walk through your policy with you in plain language.
Would your insurance cover that? It’s better to know now.
The protection you need; the service you deserve.

You let a friend borrow your car for a quick trip to the store. Then you get the call nobody wants. There’s been an accident.
Would your insurance cover that?
In many situations, auto insurance follows the vehicle, but that doesn’t mean every scenario is automatically covered the way you expect. Your policy details matter, including who is driving your vehicle and how it’s being used.
At Boone Insurance Group, we’d rather help you understand those details now than have you discover them after an accident. Melissa can review your auto insurance with you, explain what your policy actually says, and help identify questions worth asking.
You shouldn’t have to guess what happens when someone else gets behind the wheel of your car.
The protection you need; the service you deserve.

If you've been thinking about reviewing your insurance coverage, updating a policy, or simply getting a second opinion on what you have, the next step is easier than you think. At Boone Insurance Group, we make it simple to start the conversation. No pressure, no confusing jargon, just a straightforward dialogue about where you are and how we can help. We'd love to be the agency that gives you the coverage clarity and confidence you deserve. Reach out today and let's talk.

The protection you need; the service you deserve.

At the end of every conversation we have at Boone Insurance Group, our goal is simple. We want our clients to walk away feeling clear about what they have, confident in their protection, and certain that they made the right call reaching out to us. Insurance doesn't have to feel overwhelming or confusing. With the right agency beside you, it can feel like exactly what it's supposed to be. A foundation. A safety net. A source of genuine peace. That's what we're here to build with you.

The protection you need; the service you deserve.