Jared Adams Insurance

An $8 million sports card is a pretty good reminder that not everything valuable in your house should be insured like your house.

Cooper Flagg’s 1-of-1 Rookie Debut Patch Autograph card just sold for $8.04 million after 83 bids. The card includes the patch from his first NBA game with the Mavericks and his autograph.

Obviously, that’s an extreme example.

But there are plenty of people with sports card and memorabilia collections worth $25,000, $50,000, $100,000+, who may assume their homeowners policy automatically provides all the protection they need.

That’s not always the case.

Depending on the collection and carrier, collectibles can be insured separately, similar to how we insure jewelry, fine art, and other valuable items.

For larger collections, we can look at individually scheduling certain high-value pieces or using blanket coverage across the collection.

The other thing people forget is how much the value of a collection can change over time.

The cards you bought 10 years ago may be worth a lot more today than what you originally paid for them.

If you’ve built a serious sports card or memorabilia collection, it’s worth making sure your insurance has kept up with it.

And if anyone happens to have an $8 million Cooper Flagg card sitting around, we should probably talk 😂

A few years ago, I was just trying to learn the insurance business and prove myself.

Now I get to share that I’ve been recognized by D Magazine as one of DFW’s Best Insurance Agents.

That’s pretty cool to type.

I was fortunate to have people who believed in me and opened doors for me early in my career. From there, it became about earning trust, building relationships of my own, and getting a little better at this business every year.

A lot has changed since then, but the way I’ve tried to approach it really hasn’t.

Answer the phone. Be honest with people. Work hard on the difficult accounts. Take care of the clients and partners who trust you.

I know recognition like this doesn’t happen because of one person. I’m extremely grateful for the clients, referral partners, coworkers, friends, and family who have trusted me and helped me build a career I genuinely enjoy.

There’s still a lot I want to accomplish, but this is one I’m going to enjoy for a minute.

Thank you to everyone who has been a part of it!

Really enjoyed getting to be a part of The Prestige Pour this week with Cory Procter

It was a great event built around bringing women in business together, hearing from three strong guest speakers, and creating space for real conversations around growth, leadership, and perspective.

Cory and his team did an incredible job putting it together, and the setup was top notch.

I was glad C1 could help sponsor the event and even more glad to spend time with a room full of people who are serious about building something.

These are the kinds of events I want to be around more often.

Great conversations, great people, and a really well done afternoon.

I get asked this constantly: why are premiums so high in DFW right now?

It's not one thing. North Texas sits in one of the most hail-prone regions in the country, and more hail means more roof claims. After every major storm, roofing companies flood the area, which pushes claims frequency up even further, and claims frequency is one of the biggest factors in how carriers price a policy.

On top of that, DFW is one of the fastest-growing metros in the country. More homes competing for the same contractors and materials after a storm means rebuild costs keep climbing too.

None of this means you're stuck overpaying. It means location affects your pricing more than most people realize.

A client I almost couldn't get on the phone is now one of my easiest.

She was hard to reach, understandably busy, and insurance wasn't high on her list of priorities. I stayed persistent, not pushy, just consistent.

When we finally connected and I reviewed her existing coverage, I found real gaps. Her limits didn't come close to matching what she actually owned or needed, and she was paying more than she needed to for what she had.

We rebuilt her coverage properly. She ended up saving a meaningful amount annually while actually being better protected than before.

She's now one of my easiest clients to work with. She trusts the process, asks good questions, and knows I'll flag anything that needs her attention rather than calling just to check in.

That's the job. Not just writing policies, but actually looking at what's there and being honest about what needs to change.

If it's been a few years since anyone's actually reviewed your coverage line by line, that's usually where the gaps are.

Finally smoked my first pork butt last weekend and I have to say, it turned out pretty good for the first try.

I Put it on the new Recteq early that morning at 225 and let it ride until it hit the stall. Wrapped it up, bumped the temp to 275, and pulled it around 201 before letting it rest.

About 8 hours start to finish and definitely learned a few things along the way.

The bark turned out great, pulled apart perfectly, and there wasn't much left by the end of the day.

Safe to say I'm hooked.

Brisket might have to be next.

People assume umbrella insurance is for people with yachts. It's really for anyone with a house, a car, and something to lose.

If someone is seriously hurt on your property or in an accident you caused, your standard liability limits may not be enough to cover it. That's the gap umbrella coverage is built for, typically starting at $1 million and available in higher limits depending on what you need protected.

Depending on your carrier, you usually need certain minimum limits on your home and auto policies to qualify. Worth a five-minute conversation with your agent.

Ask your agent what limit makes sense for your situation.

I hear "I have full coverage" almost every week and it tells me nothing about what's actually protected.

Depending on your policy, having liability, collision, and comprehensive still leaves gaps most people don't think about until they need them.

Ask your agent to walk through your declarations page line by line. Takes ten minutes and it's the cheapest insurance homework you'll ever do.