Straight talk from Troy Lentz on hail, winter roads, renters coverage, bundles, and the questions families actually ask — written the way we talk in the office.
Hail does not wait for a convenient Saturday. Here is what I walk local homeowners through so a storm is a headache, not a financial surprise.
Bundling is not a magic coupon. Here is when Auto/Home or Auto/Renters usually makes sense for Missouri and Kansas households — and when I tell people to pause.
If you rent in the metro, your landlord's insurance is for the building — not your laptop, furniture, or a guest who gets hurt in your apartment.
What to do at the scene, what to wait on, and when to call your agent — written for regular drivers, not claims adjusters.
You do not need a 40-page illustration to start. You need a clear reason, a realistic number, and a policy you will still understand in five years.
A regular home policy is built for you living there. The moment you hand over keys to a tenant, the insurance conversation changes.
Black ice on a metro overpass does not care that you left early. Here is how collision, comprehensive, and roadside help actually show up in a winter claim.
Talk with Troy Lentz and the Shield Squad Agency team about your insurance needs.
Troy Lentz
Licensed Insurance Advisor
