With the barrage of headlines featuring wildfires, flooding, hurricanes, and tornadoes, most of us are asking: Am I adequately insured? Most folks look at insurance as a matter of compliance. Generally, mortgage holders require homeowners insurance as a loan condition, and the State of Texas mandates that drivers carry minimum liability insurance to cover possible accidents. What about all of the things that are not covered by these mandates? Nat McClure and his team at State Farm Insurance are available to address these questions and more.
North Texas is notorious for violent weather. Hail storms and tornado warnings appear every spring and continue through the fall. Everyone manages the risk of these “given” events differently. Nat says, “It’s a matter of aggravations versus devastation financially. Premiums are an aggravation; many people get wrapped up in small coverages and forget the larger mission of caring for the potential devastation. With the rising cost of coverage, we would like to get to know our clients, understand what financially ‘stings’ versus what ‘hurts,’ and adjust coverage accordingly. We’re here to help put people’s lives back together when things go bad but in a financially responsible manner.”
Managing insurance costs and risks is a balancing act. What makes sense for a single renter in his or her twenties differs from that same person, married with kids and a home just ten years later. As we navigate the seasons of our lives, our risk profile and finances change. Nat says, “We like maintaining relationships with our clients throughout their lives. By making adjustments to coverage on a regular basis as circumstances evolve, we can optimize their coverage to mirror their needs.” This customer-centric approach to insurance is one of the team's guiding principles.
Insurance isn’t all about replacing or fixing broken or lost things. “My focus is protecting our customers' assets with appropriate liability coverage, and I think it’s the most overlooked piece of the equation,” Nat cautions. “If you wreck your car and it’s worth $10,000 and you are not properly insured, that’s pretty bad. But if you are in a wreck and you injure someone, that could cost $100,000, and that is enough to devastate you.” Life insurance is another area, and since it is not addressed by any mandate, many people find themselves woefully undercovered. It’s not simply about covering the mortgage or funeral costs. When survivors must return to work, how do they pay for child care and other expenses not part of the day-to-day expenditures, which are now a daunting reality?
To Nat and his team, relationships are everything. “What’s important to me isn’t necessarily important to you,” Nat continued. “Our job is taking care of what’s important to you, and that’s critical, and it’s why our customers hire us. Anyone can buy insurance online, but in our case, we want to visit with them and develop relationships. That love we share with our customers is vital in helping them prepare for the predictable and unforeseeable.” Many of their customers stop in and pay their bills in the office, not because they have to, but because they want to visit with the team. That connection, sharing what’s happening in each other's lives, helps the team stay abreast of how best to serve their customers and maintain that small-town feel that makes Texoma unique.
That same love extended to customers can also be found amongst the team and toward the community at large. The team has to deal with folks on some of the most challenging days of their lives. Their camaraderie, foundational faith, and the values that stem from that guide them through the daily challenges and enable them to maintain a level of positivity that is contagious. So whether you are concerned about your rates or coverage, the folks at Nat McClure’s State Farm office can help you understand your risks and formulate the best way to mitigate them, given your budget.
Nat@NatMcClure.com
(903) 893-9621
It’s a matter of aggravations versus devastation financially. Premiums are an aggravation; many people get wrapped up in small coverages and forget the larger mission of caring for the potential devastation.