LTB Financial Services

Happy Veterans Day! Thank you to all who have and continue to serve!

This Veterans Day, we honor the brave service members throughout history who have sacrificed so much to keep us safe. Thank you to our veterans at home and overseas, who serve our country with the utmost integrity.

However you use vehicles to get your business moving, you'll probably want commercial auto insurance. Call me to get the wheels turning on a commercial car-insurance policy to help protect your business vehicles on the road.

A better auto rate may be waiting for you! Come visit my website for a personalized quote or just give me a call.

I can discuss insurance options for your off-road vehicle in case it is stolen from a storage facility. Call me to get the wheels in motion on your RV plan, if you’re worried about storage-facility theft.

Looking to help the environment from the comfort of your home? Some homeowners policies offer Eco-Rebuild coverage, which helps pay for replacing materials or appliances with green alternatives. Call me to learn more.

As your business grows, your insurance should keep pace. Commercial property coverage can help with anything from damaged equipment to office repairs. Call me, so you can make sure your business has the coverage you want for your growing needs.

From my family to yours, have a safe and spooky Halloween. Visit my website below to learn more about how I'm helping others in your area with their insurance needs.

Afraid that natural disasters seem to be happening more frequently? Help protect yourself and learn how to prepare. Call me if you have questions about your insurance coverage for the unexpected.

Help protect yourself against road trip-ups this holiday season. Keep an emergency kit in your trunk. And if your car breaks down, safely pull off the road as far as you can until assistance arrives. Stay safe this holiday!

When it rains, you can help stop it from pouring. If you have large assets you want to protect, an umbrella policy could limit their exposure to financial risks. Want to find out more? Let's chat.

Make sure your rates won’t go up just because of an accident by choosing the Farmers Policy Perk Accident Forgiveness. Give me a call and we can find which Policy Perks are right for you.

What's better than a new-car smell? How about our new car pledge, where Farmers will replace your car with one of the same make and model in the event of an accident. Message me to learn more.

As more small businesses come online, so do the criminals. Cyber liability and data-breach response coverage may offer you and your customers credit monitoring in the event of a hack. Want to learn more? I'm only a message away.

Did you know that insurance claims for water damage are 7 times more frequent than claims related to theft or fire?* Drips and leaks can go unnoticed, causing mold and costly damage over time. Message me today to discuss how you can help protect your home.

When you’re dealing with real-life bumper cars, it’s good to have the Farmers Policy Perk Accident Forgiveness to keep your rates from going up because of an accident. Give me a call to learn more.

Storing your boat on a trailer in your driveway or backyard this winter? Don't forget to make sure your trailer is covered. I can help you understand the range of coverage options before boating season ends.

Tomorrow is not promised, but investing in your future can help you build a solid financial strategy. Interested in learning more? Call me.

When you crash your car in the most ironic of places, or just a normal place, the Policy Perk Accident Forgiveness will come in handy. It’ll keep your rates from going up because of an accident. Give me a call to see which Policy Perks are right for you.

Did you know your policy can cover money and securities theft committed by employees or third parties? As a small business owner, I understand the importance of protecting your company from harm, and I'm here to discuss your options any time.

I know from experience that home claims seem to happen at the worst times. That's why our award-winning Farmers Claim Department is available 24 hours, seven days a week. If you need help getting your home back on track, reach out anytime.

Don’t let your totaled new ride place you in deep water. With the Policy Perk New Car Replacement, Farmers will cover the cost to replace it with a new one of the same make and model. Give me a call to discuss your coverage options.

Owning your own life insurance policy means coverage that doesn't depend on job security. Do you have the coverage you want? I can help.

Simplified underwriting lets you apply for life insurance from the safety of home, without in-person meetings or medical exams. Approval depends on the information you give us when you apply.

Smoking could cause hundreds of thousands of dollars in fire and smoke damage each year, which is why non-smokers may qualify for lower homeowners policy premiums. Give me a call for hot tips on other insurance discounts that may apply to you.

Life insurance doesn't have to be complicated to be important. Simplified underwriting avoids medical exams and blood/urine testing to get you a decision faster. Approval depends on the information you give us when you apply.

Every good captain knows the value of safety out on the sea. With Farmers, it's no different. If you complete an approved boating safety course and/or carry an approved marine license, you could be eligible for a discount. Call me to find out more.

Did you know we offer more than insurance? Farmers Financial Solutions, LLC can help you with investment decisions, tailor strategies and help you build a financial strategy that would fit your needs. Call me to learn more.

More than 1/3 of Americans say they intend to buy life insurance this year. If it's your time to buy, I'm here to help. *2020 Insurance Barometer, LIMRA, p.7

Farmers workers’ compensation insurance can help manage a workplace injury, to help you get your employee back to work efficiently and safely. We offer other business insurance options, too. Need more? Call me.

The only thing more fun than a holiday on the boat is first making sure that it's safe. Before you set sail, get a free inspection from the U.S. Coast Guard Auxillary. Click the link to get started: http://cgaux.org/vsc/

Got a new RV? Think about getting a new policy to match. With Total Loss Replacement Coverage, you may be able to replace any destroyed RV with a brand-new one of similar quality. Send me a message to find out more.

Did you know that Farmers can provide you with coverage options for your seasonal or vacation property? Call me before your family heads to the cottage, cabin or condo this fall.

Bundle home and auto with Farmers and you could save up to 20%. I can help you explore coverage options and discuss available discounts. Send me a message for more info!

46% of American adults don't have life insurance to help them protect their families' financial futures. Do you? *2020 Insurance Barometer, LIMRA, p.7

When your movie night turns into a kernel inferno, the Farmers Policy Perk Guaranteed Replacement Cost might come in handy. With it, Farmers will cover the cost to rebuild your home, no matter how much. Give me a call to learn more.

Most Americans overestimate the cost of life insurance by 300%. Want to know the real cost? I'm here to help. *2020 Insurance Barometer, LIMRA, p.7

Fire up that grill, but do it safely this Labor Day. Fat can cause grease flare-ups and dousing the flames in water can make the fire spread. Make sure to smother, turn off the gas or cover a charcoal grill before your cookout becomes a flameout.

Need a reason to copy or save all your important documents to the cloud in case of an emergency? September is National Preparedness Month. Take steps to help prepare yourself for the unexpected. It's a little prep work now for helpful relief later.

Whether you're a seasoned investor looking to diversify or just starting out, build a financial strategy that's right for you with Farmers Financial Solutions, LLC. If you're ready to start, I'm only an email or phone call away.

As a small business owner myself, I know how daunting starting out can be. That's why I want to help you as you set up your business. Whether it's a retail store or a restaurant, l can help guide you to find the coverage you want. Let's chat.

According to the latest data from the FBI, property losses from burglaries in the U.S. reached $3.4 billion in 2018. Small jewels are a huge part of that. If you have small valuables, they may need additional coverage. Give me a ring, so we can talk over your bling.

If you're taking friends on your boat this summer, consider an umbrella policy for additional coverage beyond your home, auto, and watercraft insurance. It may provide a little comfort in case the seas get rough.

If you're a landlord, be smart about your renters. Farmers offers tenant screening through TransUnion to get credit, eviction and criminal reports on current and potential tenants. Call me for details and insurance options on your rental property.

Be careful when pulling your RV into wooded campgrounds this summer. A low-hanging branch could rake your ride (and your wallet) if you don't have comprehensive RV coverage. I can help you review your policy and understand your options.

Summer vacation often means more activity around the house. So it may be a good time to think about extending the liability coverage in your homeowners insurance. Give me a call and I can help provide you with some coverage options.

To determine the homeowners insurance you want, it may be helpful to know the value of your home, valuables, liability coverage and personal property. It's a lot, but I can help provide you with information you may find useful. Call me to discuss your insurance options so you can protect what may be your most valuable asset.

Looking for a quick summer project? Take photos of your houseincluding special interior structural features and detached structuresin case you need to file a claim. I'm here to assist you with a close-up look at your policy any time.

Now that the weather is heating up, make sure you don't get burned by out-of-date policies. Let's review yours together. Call me and schedule a policy review today.

Insurance discounts may be available for a range of safety features, like anti-lock brakes or electronic stability control. Contact me if you're interested in learning more. Trust me, I could talk safety all day.

Chances are your business values customer service. That's why I'm here to help provide you with choices, so you can customize your coverage across an array of business insurance options. Message me for more information, so you can get started creating a plan that fits your company's needs.

Reaching your financial objectives includes more than just the right insurance coverage. Farmers Financial Solutions, LLC can help you build a solid financial strategy for yourself, your family or your business's future. Let me help you get started.

Nothing beats being in the middle of nowhere in your RV...until you get stranded. That's why Farmers offers TraveLine towing and road assistance, which provides coverage for tire changes, jump-starts and more. Interested? Give me a call.

From my family to yours, have a safe and happy Fourth of July. And thank you to our brave service members at home and abroad, who sacrifice so much for our freedom.

A new season means a new opportunity to review your policies. Had any major life changes in the past couple of months? I want to hear all about them. Schedule a policy review with me today.

Performing last-minute tune-ups before your next ride? While you're at it, think about upgrading your motorcycle with an approved stolen-vehicle recovery system, which could lower your deductible. Interested? Give me a call.

Farmers offers a discount if your boat has protective devices like a dock assist system. The discount grows the more protective devices you have, up to a specified maximum available discount.

What's umbrella insurance? If you're in an accident and liable for the damages, your policy may have a coverage limit. Umbrella insurance extends your liability limits to help avoid putting your assets at risk. Have questions? I'm here.

I wouldn't be the person I am today without my father's wisdom, guidance and support. Thanks, Dad. Wishing a very Happy Father's Day to all the dads out there.

When a bear’s doing laps in your pool, the last thing you want to worry about is your insurance. Talk to Farmers so you can find the coverage options that fit your needs. Give me a call today.

You don't have to be a daredevil to be exposed to more risk. If someone slips mid swan dive at your pool, you'll be glad you extended your liability limits with an umbrella policy. Let's discuss the best plan for making a (safe) splash.

You could potentially earn a discount and save on your motorcycle insurance if you take a motorcycle safety course. Call me to learn about other discounts and check your eligibility today.

From cabin to condo, all vacation homes and their needs are different. And so are your insurance options. I can help you understand your seasonal and vacation home coverage options from Farmers. Message me today.

Will your policy's liability limit provide enough coverage if the unexpected happens? Umbrella insurance may be able to provide additional coverage beyond your policy's limits. Let's review your liability limits together and discuss your coverage options.