4StateBrokers.com

Deer, cattle, and other animals can wander onto rural roads across southeast Kansas, southwest Missouri, northeast Oklahoma, and northwest Arkansas, and they rarely check for traffic first. An unexpected encounter can do serious harm to your vehicle and put everyone inside at risk.

Here are a few habits our team at 4 State Brokers recommends:
▪️Pay extra attention around dawn and dusk
▪️Slow down in wooded areas
▪️Keep watching after one animal crosses, since more may follow
▪️Review your comprehensive coverage before you need it

On many auto policies, damage from hitting an animal falls under comprehensive rather than collision coverage, though that depends on your individual policy.

Drive alert out there, and if you'd like help understanding what your policy covers after an animal collision, we're glad to walk you through it.

Learn more about our auto coverage at 4statebrokers.com/auto-insurance.

If you've ever tried to cancel with a large carrier on your own, you already know they don't make it quick. Between automated menus, hold music, and sales pitches, leaving a policy can take a lot more patience than it should.

Working with an independent agent looks different. At 4 State Brokers, we can help coordinate the move from one carrier to another, explain what's changing in your coverage, and make sure your new policy is handled properly from the start.

That means one conversation with a local team that knows your situation, instead of repeating yourself every time the call gets passed along.

If you're thinking about switching, we'd be glad to talk it through with you first.

Reach out today at 4statebrokers.com.

Happy Manufacturing Day! Today we’re celebrating the local and regional manufacturers who keep our communities moving. Your work supports jobs, drives innovation, and strengthens the economy across the Midwest — and we appreciate everything you do.

Our team knows the risks manufacturers face every day, and we’re here to help with practical protection like property coverage, workers’ compensation, commercial auto, equipment breakdown, and liability insurance. We take pride in supporting the people who build the products our region relies on.

If you’d like a quick, friendly review of your current coverage, reach out — we’re always here to help.

We’re rolling into the last 100 days of the year, and it’s the perfect time for a quick personal or business coverage check.

A lot can change in a year — new vehicles, home updates, teen drivers, business growth, new equipment, payroll shifts, or new contracts. If anything in your world looks different than it did in January, it might be time to make sure your coverage still fits.

At Four State Brokers, we make reviews simple and explain everything in plain English. If you’d like us to take a look, just send us a message and we’ll walk through it with you.

Getting an insurance quote shouldn't be intimidating. That's why we've made the process simple:

✅ Tell us a little about what you need.
✅ We'll compare options from multiple insurance carriers.
✅ We'll explain your choices and answer your questions.
✅ You decide what works best for you.

Whether you're looking for personal insurance or business insurance, our team is here to make the process straightforward and stress-free. We also serve clients across multiple states, making it easy to get coverage wherever life or business takes you.

Ready to get started? Visit our website for a quick, no-pressure quote: https://4statebrokers.com

Owning rental or investment property can be rewarding, but it also comes with risks. Many property owners are surprised to learn that a standard homeowners policy may not provide the right protection for a rental property.

Landlord insurance is designed to address the unique risks that come with renting out a home or investment property, including liability protection and coverage for certain property-related losses.

Whether you own a single rental home or multiple commercial properties, we're here to help you find coverage that fits your investment goals. Explore your options at https://4statebrokers.com.

No two manufacturing businesses face the same risks, and that's why your insurance shouldn't be one-size-fits-all. From equipment and inventory to product liability and workers' compensation, manufacturers have unique exposures that deserve specialized attention.

Since we work with multiple insurance carriers, we can help customize coverage to fit your operation, whether you're expanding, adding equipment, or reviewing your current policies.

If it's been a while since you've compared your commercial insurance, we'd be happy to help. Learn more at https://4statebrokers.com.

Wondering why homeowners insurance rates can vary from one person to another? Several factors may affect your premium, including:

🔸 Your home's age, location, and construction.
🔸 Your claims history.
🔸 In many states, your insurance-based credit information.
🔸 The coverage limits and deductibles you choose.

Every homeowner's situation is different, which is why comparing policies can make a big difference.

As an independent insurance agency, we can compare multiple carriers to help you find the right coverage for your needs. Start your comparison today at https://4statebrokers.com.

Contractors: Have you ever been ready to start a job but had to wait on a certificate of insurance? When deadlines are tight, responsive service matters.

We work with contractors across multiple industries and understand that timing is just as important as coverage. Our team is committed to making the insurance process simple, efficient, and easy to navigate.

If you're looking for a commercial insurance partner that understands your business, we'd love to help. Learn more or request a commercial insurance quote at https://4statebrokers.com.

School is soon to be back in session, which means buses, busy intersections, and school zones are about to get a lot busier. A few simple reminders can help keep everyone safe:

🔹 Slow down in school zones.
🔹 Watch carefully for children crossing the street.
🔹 Never pass a stopped school bus when its stop arm is extended.
🔹 Stay focused and put distractions away while driving.

If you have a new teen driver in the family, you may also have questions about how they'll affect your auto insurance. We're happy to help you understand your options and explore available discounts.

Get an auto insurance quote or learn more at https://4statebrokers.com.