Meredith Elfrink explains auto, home and life insurance on According to Jama and Nikki

What does insurance cover, and how do you know whether your policy fits your needs? On According to Jama and Nikki, State Farm agent Meredith Elfrink draws on 18 years of experience to explain pooled risk, liability limits, comprehensive and collision coverage, deductibles and questions to consider when reviewing a policy.

The conversation covers insurance considerations for teen drivers and older vehicles, how Illinois mine-subsidence coverage can affect homeowners in areas including Madison County, and why life events may be a good time to revisit coverage. Elfrink also discusses life insurance, beneficiaries and ways families can think through potential expenses and income needs.

The discussion is educational and touches on personal choices and circumstances; it is not a policy review for any individual listener. Elfrink works with Eric Schrumpf State Farm in Godfrey, Illinois.