Insurance Agency Archives - Inman Insurance LLC

Ask About Your Coverages More Than Prices

April 20, 2022 Katrina Werline

Why should you be asking about your coverages more than prices? Because your coverages is what protects you in the worst of situations.

We understand the economic pressures have on customers looking for the cheapest deal possible. We live in the real world and understand that the bottom dollar is important to our budgets. However, we also know that when it matters most, coverages are what protects you. This is why you should be talking to your insurance agent about coverages more than prices.

Whether it be home, auto, life, or anything in-between, when looking for insurance, prices are important but being covered properly is essential. Insurance is about being able to protect your current assets and being able to put you back in that same position if the worst happens.

For instance, if you were to lose your home in a fire but didn’t have coverages that matched your newly renovated home, you might not be able to rebuild to the worth of what you had.

You should be asking your insurance agent about your coverages. You may find yourself surprised at how underinsured you are.

With an independent agency like Inman Insurance, our agents look at what you need for coverages and then look at our various companies to find the best deal.

No one plans on the worst happening, no one expects it. When it hits, you need the assurance that you will be taken care of.

Get your quote today!

What is an Independent Agent?

March 9, 2022 Katrina Werline

Independent agents represent multiple insurance companies. That’s it in a nutshell. Offering more options is an advantage independent agents have over captive agents. However, that doesn’t tell you what we do. What does being an independent agent allow us to do? It allows us to shop coverage options from a variety of companies.

The best part? It doesn’t cost you anything.

When you have options from multiple insurance companies, it’s easier to find the best coverage at the right price. Quality, quantity and affordable, who doesn’t want that?

Independent Insurance agents work with multiple companies searching for pricing and coverage options based on the client’s needs, wants, and budget

Inman Insurance is located right here in your hometown. We are locally owned and operated, with offices in Salem, Rolla, and Hartville Missouri. This means we understand the insurance coverage you need most. You get to know who we are personally. You can put a face to the voice on the phone. We all live and work in the same community.

How do you know what you need? Terms like liability, comprehensive, collision, medical pay, bodily injury, glass breakage, depreciation and replacement costs are just a few to define different types of coverages. We never plan to have a rock from the lawn mower hit the car window, but life happens. Glass breakage coverage pays to fix it. You didn’t know you would get caught in that hail storm on the interstate but your comprehensive coverage will repair it, after your deductible. That’s another thing, how does the deductible work?

With so many variables surrounding the types of car insurance available, you need an expert who can answer your questions, run the numbers and help you compare the rates. That’s where Inman Insurance can help. We explain your choices and let you decide. We do the research and provide you with the best options available. Our service doesn’t stop there.

We continue to search for the best price for every time your policy renews or changes. Our agents don’t want to just earn your business; we want to keep it!

Looking for a quote or wanting to review your insurance policies? Come visit our office or use our contact us page: https://www.inmanins.com/contact/. We are here for our customers. It’s why we love being independent agents.

We are Independent Agents

Medicare Basics and Why Annual Enrollment is Important.

October 4, 2021 Katrina Werline

We are gearing up at Inman Insurance for one of the busiest times of the year for us. No, its not Christmas, its Medicare Annual Enrollment Period. This starts October 15th and goes to December 7th and its a very important time for Medicare insureds. Our agents thought it might be a good time to go over Medicare basics and explain why each annual enrollment is important. Even if you aren’t eligible for Medicare yet, this information can prove useful to have.

Who is entitled to Medicare?

Any U.S citizen and legal resident that is:

Age 65 or older
Younger than 65 with a qualifying disability
Any age with a diagnosis of end-stage renal disease or ALS

What does Medicare cover?

Medicare is a federal program that offers health insurance, commonly referred to as Original Medicare. This program is divided into two parts:

Part A covers: Inpatient Hospital and skilled nursing care.
Part B covers: Doctors visits and outpatient care.

What about Prescriptions?

Part D covers prescription drugs – think D for drugs. Prescriptions aren’t covered under Original Medicare. However private companies can offer plans to get you coverage. Plans vary between companies and costs, as each individuals needs are different.

Why is Medicare Annual Enrollment Period important?

Medicare Annual Enrollment Period, also known as AEP is a certain time of year, October 15th through December 7th. This is when private companies release information on new plans, plan changes and individuals can change plans if desired. For medicare consumers that use private company plans such as Prescription plans or Medicare Advantage plans, knowing what is available can make the difference in getting the care and coverage you need. These plans can change every year and that is why its important to look at them during the Medicare Annual Enrollment Period.

We like our customers and even non-customers to feel confident in their decisions and their knowledge. These are just some basics for Medicare. The questions can seem endless but if you wish to know more or have questions you can always ask our licensed agents in office, over the phone or via email. You can also request an appointment or quote here. By providing your name and contact information you are consenting to receive calls, text messages and/or emails from a licensed insurance agent about Medicare Plans at the number provided, and you agree such calls and/or text messages may use an auto-dialer or robocall, even if you are on a government do-not-call registry. This agreement is not a condition of enrollment.

If you prefer to look at plans yourself, you can also check out this website, for plans. If you have questions after looking at them, you can still always contact us.

We have offices in Salem, Rolla and Hartville. Saturday and evening appointments are available. If you prefer email, you can email us at info@inmanins.com.

Not connected with or endorsed by the U.S. government or the federal Medicare program.

New Rolla Location: Now Open

September 16, 2021 Katrina Werline

Our Independent Agency has been open for a month in our new location in Rolla, Missouri. Inman Insurance has been serving areas of Missouri since 2010 and we are excited to join this growing community. Rolla is thriving with small business owners, S&T students and ordinary people doing extraordinary things.

Rolla is a fast growing town that still has that hometown feeling.

We know that a growing population needs options and when it comes to insurance, you won’t find more variety in options than an independent agency. Being an independent agency gives us more opportunities to help individuals with all their insurance needs. Health, life, disability, commercial, auto, renters, property and everything in-between to fit the needs of residents of Rolla.

Inman Insurance isn’t just another insurance agency. We don’t just sell a policy, we sell a service. When you sign an application, that’s just the start of a relationship with us. Our agents are here for any questions you might have. We’re here when you have a claim, renewals, and we are always just a phone call away. We are available in office, over the phone, email and now via zoom meetings. We are able to meet your needs at your convenience. Insurance doesn’t have to be a struggle. When you have the right agent by your side, insurance can take away the stress of life.

Our new Rolla location is found right off of Highway 63. Located next to Something Special Florist, Fastenal and Ay Caramba Mexican Restaurant. We are open 9 AM to 5 PM and available on Saturdays and evenings by appointment. Our office number is 573-426-3622 and you can always email us at info@inmanins.com.

We can’t wait to help you with your next insurance needs.

Learn more about our agents here.

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