JM Insurance Group

The Policy Barn

where insurance know-how is stored with care.

Just like a good barn keeps your tools, gear, and harvest safe, this space holds reliable guidance for protecting what matters most. From farm fields to front porches, we share practical insights and straightforward advice to help you navigate coverage with confidence. Settle in—we’re here to help you make sense of it all, one post at a time.

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Happy Thanksgiving 2025

Please see the graphic below for our Holiday Hours!

We’re extra stuffed with gratitude this week thanks to YOU! Thank you for choosing us, trusting us, and making us a part of your lives.

Happy Thanksgiving, everyone! 🦃💛🍗🍽️ Have a wonderful and safe holiday weekend.

**Upcoming Office Closures**

11/26/2025 – Closed at Noon

11/27/2025 – Closed

11/28/2025 – Closed

#Thanksgiving2025#thankfulforyou

2025 Children’s Clothes Drive is a Success

Thank you to everyone who participated in making this year’s annual clothes drive for children in need a success! The clothes this year were donated to children at Ponderosa Elementary School.

Happy Halloween from the JMIG Crew!

Happy Halloween from us *ghouls* at JM Insurance Group! 💜🎃👻🖤

Maddison, Lydia, and Karie carved pumpkins – Jen dressed up as a dirt bike rider and Maddison dressed up like Jake from State Farm. (Khakis included.)

We hope you all have a wonderful weekend, and that is isn’t too scary!

#happyhalloween2025#weloveourjob

Happy Fourth! Make Safety your top priority today.

Happy Fourth, everyone!!

While we all enjoy a good firework show at home, it’s not always completely safe. Let’s make sure that we all practice safety this fun weekend! 🎆💙🤍💖🇺🇸

– Never allow young ones to handle fireworks, and always make sure that even the older ones are supervised while handling them.

– Never hold a lit firework in your hands.

– Only use fireworks away from people, homes, and flammable items.

– Do not try to re-light or handle “duds.” Wait 20 minutes, then soak it in a bucket of water to prevent fire spread or serious injury.

– Never place any body part over a fireworks device.

– Sparklers burn hotter than you think! At about 2,000 degrees, they can ignite clothing or severely burn people.

Some safety facts:

– 33% of fireworks injuries happen to the hands and fingers.

– 69% of injuries are burns.

– 47% of firecracker injuries were caused by small firecrackers.

– 39% of individuals that end up in the ER on the 4th are under the age of 20.

Office Closure Notice: 4th of July

Happy Independence Day, everyone!

In observance of this holiday, our office be closing at noon on July 3rd, and closed all day on July 4th.

Have a wonderful and *safe* weekend!

Sincerely,
The JMIG Team

Happy Juneteenth!

Our office will be closed in observance of this holiday June 19th, 2025

“Struggle is a never ending process. Freedom is never really won, you earn it and win it in every generation.” – Coretta Scott King 💚🖤❤️

Happy Juneteenth!

We look forward to working with you soon.

#Juneteenth#FreedomDay

Father’s Day 2025

Happy Father’s Day to all the awesome dads out there!

Father’s Day began in the United States in 1910 when a woman named Sonora wanted to honor her father and organized a large celebration in Spokane. He raised their family of six after Sonora’s mother’s death! It was officially adopted as a National Holiday in 1972 when Richard Nixon was in office.

#FathersDay2025 #WeLoveYouDad

Maximize Your Auto Policy Discounts!

Here are some common and relatively easy ways to save on your Personal Auto coverage.

Common Home Policy Exclusions

Ever wonder what claims are commonly denied on Home policies? Wonder no further! While some policies offer endorsements for these specific incidents, most policies do not include coverage for them.

  • Flood/Movement of Earth – Damage from exterior water, storm surges, and flash floods are not covered under regular Home policies. Neither are earthquakes, landslides, or sinkholes! These incidents typically need an endorsement or a separate policy to provide coverage.
  • Wear and Tear/Lack of Maintenance – Insurance is here for sudden, accidental issues. This means that things that occur gradually are typically not covered!
  • Mold and Infestations – Mold typically is not covered unless it happened suddenly after a covered loss. Damage caused by unwanted guests like rodents and insects is also typically not covered either.
  • Intentional/Illegal Acts of the Homeowner/Household Members – Even if you’re not the one who committed the act intentionally or illegally, these incidents are typically denied!
  • Business Conducted on the Premises – If you run a business out of your home, it is typically not covered under your Personal insurance. If you host clients, store business inventory in your home, or rent out rooms of your home, you typically need another policy or an endorsement for the Business exposure on your property.

What do you do if you’re worried about these things not being covered? Check with your agent!

Often times there are endorsements available or policies that we can shop for that fill these gaps. It’s always better to be prepared for a potential loss before claim time happens!

Summer Home Prep Tips 2025

Summer is here! Here are some ideas that will help make sure your home is in top shape for the upcoming warm weather ahead.