September 2025 Newsletter

Life Insurance Awareness + Back-to-School Coverage Checks + Pasta that Beats the Drive-Thru

September always feels like the real “new year.” New schedules, new carpools, sports practices, late-night homework… and often, new risks you didn’t have last season.

Back-to-School Reset

  • Teen drivers hitting the road? That’s a huge milestone, and a big one for your auto policy. Making sure they’re properly covered is non-negotiable.

  • Kids moving into dorms or off-campus housing? Their laptop, phone, and clothes aren’t covered by the school. Renters insurance is often less than $20/month and saves big headaches later.

  • Busy fall traffic + carpools: Double-check your roadside coverage before you’re stuck on the side of the highway with a van full of soccer kids.

Think of September as the perfect “coverage reset” moment. Your family’s schedule changes, and your coverage should match.




Savoring Late Summer Adventures

Even as routines shift, summer isn’t quite over in Kitsap. People are still sneaking in boat days, camping weekends, and road trips before the rain settles in.

  • Boat + RV coverage keeps those last adventures carefree. One breakdown or fender-bender can ruin the whole trip.

  • Travel insurance is worth considering if you’ve got late-summer or early-fall getaways planned. Flight delays, lost luggage, or cancellations happen.

  • Specialty toys: Jet skis, motorcycles, trailers - if you’ve been putting off coverage, now’s the time.



Don’t let an accident be the thing that closes out your summer.




September is Life Insurance Awareness Month

Here’s the truth: most people overestimate the cost of life insurance by 3–4x. For many families, it’s less than $20/month.

Life insurance isn’t about you—it’s about making sure your people don’t carry the financial weight if the unexpected happens. Mortgage payments, tuition, even groceries—it can all be covered.

Waiting doesn’t make it cheaper. If anything, it gets harder to qualify. A 10-minute conversation today can literally change your family’s future security.




Small Business: Back in Hustle Mode

After a slower summer, September feels like go-time for local business owners. Customers are back, school sports + events drive traffic, and the holiday season is around the corner.

Now is the moment to:

  • Review workers comp if you’re planning fall hiring.

  • Double-check property coverage if you’re stocking up for the holidays.

  • Update liability coverage if you’ll be hosting events or community gatherings.




A quick fall review helps you step into the busiest season of the year with confidence.

New month. New routines. New opportunities. Let’s make sure your coverage is keeping up. Reply to this email or give us a quick call to schedule your September coverage check-in.

Stay balanced,
Megan & the Timm Insurance Agency Team











Megan Timm

Making peace of mind, easy to find.

https://www.timminsuranceagency.com
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August 2025 Newsletter