Summit Insurance Group Inc

Myth or Fact: If my house burns down, my policy pays to replace everything brand new. It depends — and the difference is huge. Replacement cost coverage pays what it costs to buy new today. Actual cash value pays what your stuff was worth after depreciation — so that eight-year-old couch might be worth very little on paper. Both options exist on homeowners and renters policies. Know which one you have before you ever need to use it.

It's Fire Prevention Week, and the easiest job on the list takes about ten minutes: press the test button on every smoke alarm in your home. You want one inside every bedroom, outside each sleeping area, and on every level. Test them monthly, and replace any alarm that's 10 years past the manufacture date printed on the back. Bonus: some carriers offer a discount for monitored smoke and fire alarms. Ask us whether yours does.

That's September: Life Insurance Awareness Month start to finish, National Preparedness Month, fall maintenance, school zones, the valuables your policy quietly caps, and a few myths retired for good. October brings Fire Prevention Week, the tail end of storm season, and the first real holiday planning. New address, new vehicle, new addition to the family? Tell us now and we'll have you squared away before the year closes.

Three months left in the year — here's what's worth handling before the holidays swallow your calendar. Report any mileage changes if you started working from home or changed commutes. Update your policy for anything new under the roof: a home addition, a new business venture, a teen who got their license. Review beneficiaries after any marriage, divorce, or new baby. And schedule your annual review with us while the calendar's still open.

Happy First Day of Fall! 🍂
There's something about this season that just feels like a warm hug. Crisp mornings, golden light, trees starting to change, the smell of cinnamon everywhere you turn, and sweaters coming out of storage.
Whether you're sipping apple c***r, taking a walk through crunchy leaves, or just soaking up the cozy vibes, fall has a way of reminding us to slow down and appreciate the little things.
Here's to sweater weather, cozy nights, and all the beauty this new season brings.
What's your favorite thing about fall? Drop it below! 🧡🍁

The most common Life Insurance Awareness Month question, answered plainly. A common starting point is 10 to 12 times your annual income — but that's a napkin number, not an answer. The real math: what's left on the mortgage, what other debts would transfer, how many years of income your household would need to replace, what future education you'd want funded, and final expenses. Subtract what you already have through work. That gap is your number. We'll run it with you for free.

It's the question almost nobody asks until it's real. A fire, a burst pipe, or serious storm damage can make a house unlivable for weeks or months — and the repairs are only half the problem. The other half is a hotel, meals out, laundry, and maybe boarding for the dog. That's what loss of use coverage is for, and most homeowners and renters policies include some, usually as a percentage of your dwelling limit. Worth knowing your number before you need a room.