John Lucas - State Farm Insurance Agent

Tuesday Tips 💧 Do you know your water damage coverage limit?

Your home could be insured for hundreds of thousands of dollars, but some policies cap certain water damage losses at just $10,000.

And water damage isn’t just a winter problem. A failed washing machine hose, refrigerator supply line, or water heater can cause serious damage any time of year.

We've seen water damage claims reach $25,000—and much higher. Cleanup is only the beginning. Floors, cabinets, drywall, and repairs can add up quickly.

Before shopping for homeowners insurance on price alone, ask your agent:

• What types of water damage are covered?
• Is there a special dollar limit?
• Does that limit include cleanup and repairs?
• What would my deductible be?

The time to understand your coverage is before you need it.

Have questions about your water damage coverage? Contact our office—we’re happy to help you understand your policy.

🎉 Help us wish Cassie Stine a very Happy Birthday! 🎂

Cassie has been an important part of our team since 2020. Although much of her work happens behind the scenes, the care and support she provides our customers every day does not go unnoticed.

We appreciate you, Cassie, and hope you have a fantastic birthday! ❤️

— John Lucas State Farm Agency

Some good news is heading to your mailbox. 🙌

Here’s something a lot of people don’t realize: State Farm® is a mutual company, which means it’s owned by its policyholders.. not outside shareholders. Every so often, that ownership shows up in a real, tangible way. This is one of those years.

I’m proud to share that customers of the
John Lucas State Farm Agency will be receiving a total of $241,653 in dividend payments. 💌

Here’s what to expect:

📬 Checks and communication will begin going out this month.
📧 If we have your email on file, watch for a note with your payment details and how to accept the payments electronically.
🚗 Customers with an eligible auto policy in 2025 are set to receive a payment.

Nothing to do on your end.. just a genuine thank you from our team for trusting us with what matters most. Grateful for you, and glad to be your good neighbor.

John Lucas

It’s a good idea to be prepared for severe weather before it strikes. Here are some things you can do before, during and after a power outage.

https://st8.fm/4feieuo

POV: Me patiently waiting to assist you with your coverage needs.

Smooth sailing starts with having the right coverage for you. Contact my office to talk about boat insurance.

State Farm Mutual Automobile Insurance Company recently announced it's giving $5 billion cash back to qualifying auto customers. In even more good news, State Farm Mutual lowered auto rates in 40 states by an average of 10% in 2025. https://st8.fm/442iKFF

I want to take a moment to congratulate my former team member, Ben Moss Lauderdale, on opening his own State Farm Agency in Brandon, MS this week.

Ben Moss worked with me for about four years, and I had the privilege of helping train and prepare him for the path to agency ownership. Watching him take this step is one of the most rewarding parts of what I do. It’s easy to talk about “career paths” and “opportunity,” but it means something different when you actually see someone go do it.

I’m proud and grateful for the work he put in to help me grow my business, and just as proud of the fact that he’s now building something of his own. Moments like this remind me of the opportunity I was given through the Agent Aspirant program—and why I’ve always believed in paying that forward.

Our office has always been about more than just insurance. It’s about building skills, habits, and confidence that can carry someone into business ownership if that’s where they want to go.

Congratulations, Ben Moss. Wishing you nothing but success in this next chapter!

Next Man Up!

One of your key life insurance decisions is choosing coverage for a specific amount of time (term) or opting for lifelong protection (whole). This article breaks it all down in simple terms, and my team and I are here to help you navigate your choices too.

https://st8.fm/433al4h

It’s that time of the year again! Here’s your reminder to stay weather aware and respect the warnings! Hope everyone stays safe, reach out if you need us!