Better questions lead to better coverage conversations.

Liability vs. Full Coverage Auto Insurance: What’s the Difference?

If you’ve been shopping for car insurance or reviewing your current policy, you’ve probably heard the terms “liability insurance” and “full coverage.” But what do they actually mean, and how do you know which option is right for you? Many drivers are looking for ways to save m...

10 Car Insurance Discounts You Might Be Missing in 2026

If your auto insurance rates have increased recently , you’re not alone. Rising repair costs, inflation, and more expensive claims are affecting drivers across the country. Fortunately, there are still several ways to lower your premium without sacrificing important protection...

Home Insurance Coverages: 7 Important Protections Homeowners Often Miss

Many homeowners believe that once they purchase a homeowners insurance policy, they’re protected against anything that could happen to their home. Unfortunately, that’s not always the case. While a standard homeowners policy provides important protection, there are several hom...

What Does “Full Coverage” Auto Insurance Really Mean?

If you’ve ever shopped for auto insurance, you’ve probably heard the term “full coverage.” Many drivers assume it means they’re covered for anything that could happen to their vehicle. The truth is, “full coverage” isn’t actually a type of insurance policy. It’s simply a term ...

Storm Season Is Here — Make Sure Your Coverage Is Ready

With another round of storms expected tonight, now is the time to complete a storm insurance coverage review —not assume your policy “probably covers it.” The reality is simple: many insurance policies today are structured very differently than they were just a few years ago. ...

🏠 Why Your Home Insurance Renewal Might Cover Less Than You Think (and What To Do About It)

If your home insurance renewal changes this year, don’t just look at the price. Across the U.S., insurers are quietly raising deductibles and changing how roofs are covered—often switching from full Replacement Cost to Actual Cash Value (ACV) or a roof payment schedule that re...

How Bundling Your Insurance Can Put $600–$700 Back in Your Pocket  (The “6–7” Secret)

When people hear “6–7,” they usually think about sports scores or the clock striking dinnertime. But around Dover, OH, “6–7” has a different meaning — it’s how much families are saving every year by bundling their insurance with McKinnon Insurance. That’s right: $600–$700 back...

We Are Farmers — And So Much More

If you’ve ever seen a Farmers Insurance commercial or heard the iconic jingle, you know the phrase: “We are Farmers. Bum ba-dum bum bum bum bum.” At Joel McKinnon Insurance, we proudly live and breathe those words. Our agency has been built on a deep foundation with Farmers In...

Homeowner’s Guide to Sewer and Drain Coverage: Backup & Service Line Essentials

Homeownership comes with unexpected costs—especially when your sewer line backs up or a buried service line fails. With sewer and drain coverage and service line protection, you gain peace of mind and financial security against costly repairs. In our previous post, Don’t Be Le...

Get to Know Us: Joel McKinnon Farmers Insurance Agency – Local Roots, Multi-State Reach

Get to Know Us: Joel McKinnon Farmers Insurance Agency – Local Roots, Multi-State Reach 🌟 At the Joel McKinnon Farmers Insurance Agency , we’re more than just your local insurance team — we’re a dedicated partner committed to protecting what matters most to you, wherever life ...