Sara Walker - SBJW Insurance

Tip Tuesday with SBJW:

👉 Make sure your home is insured for replacement cost, not market value.

Market value = what your home could sell for

Replacement cost = what it would cost to rebuild it from the ground up (materials + labor)

Those numbers are often very different.

With construction costs fluctuating, it’s important to:

Update your policy after renovations

Account for finished basements or additions

Review your dwelling limit annually

Ask about Extended or Guaranteed Replacement Cost options

As an independent agent, I compare multiple carriers to help make sure your coverage keeps up with real-world costs — not just last year’s estimate.

If it’s been a while since you’ve reviewed your dwelling coverage, this is your reminder. ✔️

Is a home inventory list on your New Year to-do list? Here are some tips to get you started!

❄️ Winter storms can cause serious damage — from burst pipes and roof issues to auto accidents on icy roads. Do you know what’s covered by your insurance… and what might not be?

Our Winter Storm Insurance Checklist breaks down everything you need to review before the next big storm hits — including homeowners, auto, and renter policy tips. ✔️ From coverage limits to deductibles, don’t get caught off guard this winter.

👉 Read the full checklist here: https://www.sbjwinsurance.us/winter-storm-insurance-checklist/

Stay safe, stay prepared, and make sure your insurance is ready too! 🏡🚗📋

Do you know how umbrella insurance can protect you?

Talk to your independent insurance agent to make sure you are covered in case of an Earthquake.

Which group is your business in?

Insurance shouldn’t feel like a gamble.

Behind every premium is real data — claim frequency, claim severity, location trends, repair costs, and long-term risk patterns.

It’s not guesswork. It’s math.

The key is making sure your coverage actually matches your risk — and your goals.

If you want less uncertainty and more clarity around your insurance, let’s talk.

You can also check out the blog, here: https://www.sbjwinsurance.us/how-risk-is-actually-calculated/

If you plan to travel to Florida, it is important to think about auto insurance when planning an extended stay during the winter months.

Your family is everything. Your future deserves certainty.

At SBJW Insurance, we help you put a plan in place so the people you love are protected no matter what life brings.

Starting or growing your family is the perfect time to review your life insurance options.

Let’s build coverage that gives you confidence — today and for years to come.

Do you know why it is called black ice?

Insurance pricing isn’t random.

It’s built on one formula:

Expected Loss = Frequency × Severity

Carriers look at how often claims happen and how expensive they are — across thousands of similar risk profiles.

That’s why things like location, claims history, vehicle type, and roof age matter.

I broke down how risk is actually calculated (in plain English).

If you’ve ever questioned your renewal, this will help.

https://www.sbjwinsurance.us/how-risk-is-actually-calculated/