Justin Lindsey - Country Financial

08/24/2024

Driving is a privilege, but accidents, unfortunately, are not. Auto insurance isn't just about following the law; it's your safety net when the unexpected happens. Whether it's a fender bender or something more serious, having the right coverage ensures you're not left stranded with repair bills or medical expenses. It protects not just your vehicle but your financial well-being. Plus, it offers peace of mind, knowing you're covered against life's unpredictable moments. Don't risk it; give us a call and let’s make sure you’re properly insured.

08/23/2024

When you’re protecting the things and people that matter most, it helps to have someone in Waterloo on your side. I can help you understand more about what you need. I’m a call or short car ride away if you have a claim or a question.

08/23/2024

Hat Tip to the Red Bud and Waterloo fire departments and all of the first responders responding to a pretty bad accident between Red Bud and Waterloo today.

Prayers that nobody got hurt or injured.

If you’re traveling along route 3, prepare for delays as of 2:45PM.

08/23/2024

It's Friday! The weather is cooling down. What are you planning for the weekend?

08/22/2024

Feel more confident on the road. And sleep more soundly at home. (LOCATION), I can help you find home and car insurance that’s personalized for you.

08/22/2024

Good Morning! How do you take your coffee? Black? Sugar? Sugar and Creamer? Cold?

However you take it, enjoy and make today awesome!

08/21/2024

We went to see the Cardinals the other night and got a chance to meet Al Hrabosky before the game. Really down-to-earth guy, and made time to talk to all of the kids.

08/21/2024

You need car insurance, but do you understand why? Get the answers to your car insurance questions to get the protection you need.
▪️ ▪️ What is car insurance? ▪️ ▪️
Car insurance is protection for your car. You pay your auto insurer a premium and in exchange, they agree to pay for the cost to repair or replace your car if it’s damaged in a collision or other covered event (these are outlined in your policy).
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▪️ ▪️ What's covered? ▪️ ▪️
Most standard car insurance policies include 5 types of car insurance coverages:
Collision coverage for protection for if your car collides with another car or something else.
Comprehensive coverage to protect your vehicle from theft and non-collision damage.
Uninsured and Underinsured Motorist coverage for protection if you’re in an accident caused by someone with no, or not enough, insurance.
Medical Payments or Personal Injury Protection pays for costs resulting from injuries to the driver and passengers in the insured’s car.
Liability coverage pays for damages and injuries to others in an accident that you cause.
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▪️ ▪️ Why do I need car insurance? ▪️ ▪️
All states require car insurance, but the level and types of insurance vary by state. Your insurance agent can help you through your state’s requirements.
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▪️ ▪️ How much does it cost? ▪️ ▪️
What you pay for car insurance will vary based on many factors. Some are about you and your car (like the car you drive and where you live), while others are based on what types and levels of coverage you choose.
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Talk to your insurance agent to make sure you have the right car coverage for your needs!

08/20/2024

Life changes fast — has your life insurance kept up with you? [Briefly describe how your family has grown over the years or any experiences you would like to share, mentioning how you can rest easy knowing they’re protected with life insurance should anything happen to you. This could also be a good opportunity to share two photos, one of your family or loved ones earlier in life, and then a more recent photo to show how your children have grown or times have changed.]

What’s stood out to you over the years? I’d love to hear about your family or loved ones in the comments!

08/19/2024

62% of Americans have a cell phone insurance. 87.4% of Americans have Car Insurance? 95% of homeowners have home insurance. You protect the things that are important to you. That's good and that's normal.
However, only 50% of Americans have life insurance! Why is it that as a culture we are hesitant to protect our lives for the people we depend on?
Seriously, why? What's going on with that?

08/19/2024

Life insurance provides more protection than you might think. If something happened and you were no longer here to help pay for the mortgage, life insurance is a great way to help your family stay in your home. Plus, enhancing your coverage might be more affordable than you expect. Contact me today to discuss your options and feel confident your loved ones have the financial security they need.

08/18/2024

A huge thank you to NerdWallet for naming us one of the 6 best home insurance companies for March 2024 and awarding us 5 out of 5 stars!
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But what does that mean for you? Let’s start with all the ways you can customize your policy so you get exactly what you need. We offer Sump Pump Failure/Back-up of Sewer or Drain Coverage* and Identity Theft Expense & Advocacy Service just to name a few.

Among our clients’ favorite add-ons? Our replacement cost coverage. Let’s say the cost to rebuild your home is more than what your policy limits. Our Additional Replacement Cost** coverage means you’ll be able to rebuild your home at today’s prices. It’s like inflation protection.
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At COUNTRY Financial, you can expect more protection, more options and fewer worries.

Want to read the NerdWallet review? https://www.nerdwallet.com/a/insurance/best-homeowners-insurance

* Eligibility requirements may apply.
** Property must meet age and condition requirements, which vary by state.

08/17/2024

Deductibles are a key part of your home and car insurance policies. When you have an insurance claim, your deductible is the amount of money you pay for repairs before insurance starts paying.

❔-- How does a deductible work?
When you buy an insurance policy, you’ll select a deductible amount that you're comfortable paying. Your insurance company will use this amount to set your premium.
If something happens to your covered home or car, you’ll file an insurance claim. Your insurance company will take your deductible amount out of the total payout of the claim.

❔-- How do deductibles affect rates?
Your chosen insurance deductible will impact the premium you pay for your insurance policy. In general, if you choose a higher deductible, you'll have a lower premium, and vice versa.

❔-- How do I set my deductible?
Standard home insurance uses dollar-amount deductibles. Remember, this is the amount you'll pay out of pocket if you have a claim, so think about your budget and how much risk you're willing to take when selecting a deductible.

❔-- Why do I have to pay a deductible?
Insurance deductibles play a key role in how insurance works. You pay a deductible to help:
• Control insurance costs
• Encourage responsible behavior
• Prevent fraud

As always, contact me so I can help you choose the right deductible for your home and auto insurance needs.
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we believe the more you know about insurance, the better prepared you’ll be to make decisions. Follow for more insurance and financial info.

08/16/2024

Life changes fast. Has your life insurance kept up with you? Whether you’re welcoming a new child or have purchased a new home, now is the time to reevaluate your needs to ensure you have the proper protection. With the right policy, you can feel protected while still paying an affordable monthly premium for Forbes’ #1 ranked life insurance in the U.S. Lets talk!

08/16/2024

Life changes fast. Has your life insurance kept up with you? Along with providing necessary protection, it’s a valuable planning instrument that can help secure your future. Use this easy tool to see how much insurance you need to protect your family and loved ones: countryfinancial.com/LifeNumber

08/16/2024

Good morning! ☕️

We put together some information to help you understand the basics of a homeowners policy so you’re better prepared when you need to purchase or switch insurance providers. This information is not specific to COUNTRY Financial and is meant to provide a general overview.

◾ What is home insurance?
Home insurance is protection for your home and possessions. You pay your home insurer a premium and in exchange, they agree to pay for the cost to repair or rebuild your home if it’s damaged or destroyed by a covered event (these are outlined in your policy).
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◾ What does home insurance cover?
Home insurance provides protection against damage caused by sudden and accidental incidents. A standard home insurance policy will usually include three main types of protection:
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◾ Dwelling Coverage
Designed to repair or rebuild your main home structure, dwelling coverage is the main protection provided by home insurance.
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◾ Personal Property Coverage
Personal Property Coverage allows you to replace items such as electronics, furniture, clothing and other belongings.
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◾ Liability Coverage
Liability Coverage provides financial protection for you if someone is injured on your property or a member of your household causes damage to someone else’s property. Umbrella insurance is added liability coverage that goes beyond the limits of your existing car and home insurance.
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◾ What is a covered loss?
Covered losses are events, sometimes called perils, covered by homeowners insurance. Talk to your insurance agent about the covered losses contained in your specific home policy.
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◾ How much is home insurance?
Factors affecting the cost of home insurance include: Location, age, size and condition of your home
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◾ How can I be sure I’m covered for a home insurance claim?
You choose how your property will be valued if you have a claim, and that affects the amount of coverage you have to rebuild. While it may vary by home insurer the levels of protection are actual cash value and replacement cost.
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Learn about our home insurance coverage
https://cfin.us/Home-Insurance-101

08/14/2024

You don’t buy life insurance because you are going to die, but because those you love are going to live.

08/13/2024

The second after you die your income is gone. Your spouse and kids have to figure out what they’re going to do. Life Insurance ensures that you still provide after you’re gone. It lets them focus on grieving. Not how they’re going to eat or pay the mortgage.

That’s why I have life insurance. That’s why I want to help you get life insurance

08/13/2024

Why invest the time to do an inventory of your home? Think about this. If something were to happen to your home and the belongings inside of it were destroyed, could you list every item you own right then in that moment?

Probably not. That’s why you should do one. It’s easier to do than you think and only takes about 10 minutes. We’ll show you how.

✔️ Use your phone – Capturing it on video is the most efficient way to do a home inventory. The more detailed you are, the better it will be. You don’t need to capture video of everything you own. But you do need to go room by room and show what you can see.
✔️ Use narration – This is a key step. Use your words and describe what you’re recording. To make things easier, do a video clip for each room in your home (don’t forget closets and the garage).
✔️ Focus on big-ticket items – Think of things like flat screen TVs, computers, expensive furniture and valuables (jewelry, etc.). If those items have stickers with serial or product numbers, zoom in and show those in your video.
✔️ Save the video in the cloud – If you only save your video on your computer, what happens if it’s destroyed along with your other stuff? That’s why you should email it to yourself, share it with your spouse or relative, or send it to your insurance agent.
✔️ Update your home inventory once a year – Check in with your insurance agent annually to discuss any major purchases you’ve made since the last time you did an inventory. Be sure to add those new items to your update.

Learn more about creating a home inventory here: https://cfin.us/home-inventory

08/12/2024

I'm proud to be part of a Fortune 1000 company! COUNTRY Financial was ranked 701. Why does that matter? Fortune Magazine recognizes the 1,000 largest American companies according to revenue. That level of financial strength and stability means we’ll be here for you when you need us. Contact me to learn more about why you should choose COUNTRY and, in the meantime, check out the list.

The Fortune 500, in its 70th year in 2024, ranks the biggest U.S. companies by revenue.

08/12/2024

Juggling life is hard. Especially when it comes to your insurance!
Home 🔴
🟠Life
Auto 🔴
Why not get quotes all in one place and keep everything under one roof? 🏠 Give us a call today and we can get you started! 618.939.8602

08/10/2024

Insurance pop quiz!

You’re driving and you hit one of these rascals, and you have comprehensive and collision on your policy, does it count as comprehensive or collision?

🦌 💥 🚗

08/10/2024

Shopping for auto insurance isn’t fun 🙇🏻

Everyone knows it, even Myles. So why not let me get you a quote. I actually think it’s fun. Then you can get back out to making memories. 😁

Call us today at 618.939.8602 for a quote! 🙂

08/01/2024

Even the weeds are thriving in southwestern Illinois! Nathan Johanning shares the latest update on crop conditions in the Waterloo area.

Plus: Pumpkin Field Day is just a little over a month away.

07/19/2024

Like others, COUNTRY Financial is experiencing some outages with our systems. Some of our employees and reps can help clients, but this is causing longer hold times and disruptions. We apologize in advance for things taking longer than they normally would and appreciate your patience.

07/16/2024

🚨ROAD CLOSED🚨

07/08/2024

Emma Schultheis came by today to show us the animals she’s showing at the Monroe County Fair.

We got….

🤡Trouble - pig

🤡Dipstick the third “spike” -Cow

🤡Herman - Smaller Cow

If you can, go and support her!

I also gave her my very first nine pedal flower balloons!

07/08/2024

Post-Season tournament champions! Very proud to be a sponsor and coach of the 9U Southern Illinois Blue Jays! Great job boys! We’re proud of you!

07/06/2024

Shout out to Bowen Brandt of the 9U Southern Illinois Blue Jays for his in field home run tonight! Great job Bowen!