Best Locally Owned Businesses in St Joseph MO - Tolly & Associates Inc American Family Insurance

When you're buying or selling a home, you want to make sure you have the insurance coverage that you need. Lorrie Ramseier sat down with Don Tolly to discuss a variety of important insurance questions.

Best Locally Owned Businesses in St Joseph MO - Tolly & Associates Inc American Family Insurance

Hey, thanks for coming in, Don. I just really appreciate that. And we love Don Tolly at American Family Insurance. We just wanted to ask him to come in and answer a few questions because Don's a fun guy. Well, he makes insurance fun. 

I don't know about that, but we try to do our best. 

Yeah. Well, anyhow, we just wanted to ask you a few questions, and insurance is kind of an intimidating subject to some people. So I know you can help them with that. So tell us a little bit about yourself first. 

Well, I grew up in Illinois and I had a twin sister who passed away and my parents are still in Illinois living. And I've lived in five states for American Family. And the last nine years I've been here in Saint Joseph, Missouri, as an agent for American Family.

Awesome. So, American Family is what brought you to Saint Joe? 

American Family is what brought me to Saint Joe to open my own business after 24 years in the corporate world with American Family. 

Awesome. Well, congratulations. We love having you in the community and know that you do a lot for the Saint Joseph community. So we want to thank you for that. And we'll talk a little bit more about that in just a little bit. 

Thank you, Lorrie. 

So what do you love most about Saint Joe? 

I think it's the uniqueness. I think Saint Joe has a lot to offer. Saint Joseph is a place that has a lot of history and there's a lot of good things happening here in the city. I'm fortunate this year I'll be the chair of the board for the Chamber and we're talking about some good things there that are happening. And I think we're headed in the right direction to make it a place where people want to live. 

I do, too. I think we're making a lot of great changes here. And speaking of history, you know, we have a lot of historical homes here. So if you're ever out and about, go check some of those out because they are beautiful. 

Yes, they are. And we are working on one of them today, so. 

Oh, yeah? Tell us about that. 

Well, my sales specialist was out at a historical home that's registered and the person is just looking to evaluate their insurance and we're just taking the opportunity to take a look at it, make sure that person has the insurance they need. And if there's anything that we can offer that maybe he doesn't have. 

Awesome. So that's a service you provide? 

Yes. If someone calls in for a quote or they would like us to look at their insurance, I'm one of those agents that I would prefer to put my eyes on the home because there's not a better way to understand what a customer has than going out and inspecting the home. I don't need to get inside the home unless it's a unique property. But if I can get out and evaluate the home, there are things I'm going to find that maybe the other insurance agent didn't notice when they wrote the policy or things that we better make sure we have special endorsements that would cover the property should they have those unique things.

Sure. So what are some examples of that? 

Well, one of the first things is if someone has a basement and they have a sump pump, you better make sure you have the endorsement to cover should water backup through the sump pump or even through the sewer system. It's one of those endorsements. The first thing you need to know is, is the basement finished? And if it is, it's an endorsement you better start talking about. 

That's a great point. I bet there's a lot of people who don't have that.

 And I used to do claims and you learn the hard way when you tell someone, “I'm sorry, but you don't have the appropriate coverage.” You know, one thing we see here in Saint Joseph is from the street to the house the sewer line is not covered. Now, the city will offer some coverage for that. You can buy through the city. We a few years ago developed an endorsement that's $50 to add to your policy to cover that sewer line should that say a tree root goes through that sewer line and damages or just collapses. It would be covered if you had this endorsement. Again, you're talking about a very expensive repair that's not covered under your traditional homeowners unless you have an endorsement. 

That's a great point, because I just experienced that with one of my clients. Yes, I think it was about a $6,500 fix and no insurance. 

And I have a friend up in Wisconsin who we insure, and he had it happen and it was $1,200 dollars for him. And our endorsement comes with just a flat $500 deductible. And it's $50 - it's either $50 or $75 a year. And I think for the city, when you buy that coverage, I want to say it's $125 to $150. 

Okay. Well, that's great to know. See, we're learning all kinds of things today. So we obviously deal with homes. What are some of the things that new homeowners should be looking out for when they go to purchase insurance?

Well, first of all, I would say when they purchase insurance, when they purchase the home, get a good realtor just like Lorrie, that someone can walk you through the entire process. And then insurance becomes something that is needed once you decide you're going to purchase the home. And when purchasing insurance, you want to make sure that your home is covered for full replacement cost. If the company offers that for your particular home. In most cases, unless the home is so old, you can get full replacement cost on your home. And with the cost of building materials and with inflation, with the cost of labor going up - what people don't realize is their home may be under insured at this time. And just remember, market value is totally different than insurance replacement cost coverage. And sometimes what we see in Saint Joseph, especially if people are buying investment properties, the insurance replacement cost will be much more than that investment property, if you want full replacement cost. That's where you need to sit down with your advisor, your insurance advisor, and say, "What kind of coverage do you want for your investment?" Because protecting your investment is the most important thing. 

True. And we do have a lot of investors. So that is really good information. You need to be on the lookout for. Because you're right, costs have gone through the roof in the last year and replacing your home is not what it used to be.

And I've had some builders that actually have called in, increased the values of their homes, knowing that it costs more today. Just go buy a two by four and you'll know. 

How often do you recommend people reassess their coverage? 

At a minimum, what we do is we'll call our customers. We try to every year and offer them when their renewal comes up. If we don't get to them, at least every other year you should take a look at your insurance, make sure you have the appropriate coverages, sit down with your risk advisor, and there may be changes. Life changes. Your investments change. Your cars get older. There are things you can do to make sure you're not overpaying your insurance but making sure you have the appropriate coverage. 

Good point. Yeah. So what are some things that you wish everybody knew about the insurance business? 

From our insurance standpoint as an agent, one of the things that every agent that they have a hard time handling it and it's a difficult conversation is when we take rate increases. Rate increases are determined by the actuaries that work the numbers, and they are smarter than I am. They have math degrees, but they go through the data and they predict, they look at the future, they predict the future, what they think may happen, and then they set the rates. And I will tell you right now, every insurance company, just so you know, every insurance company are taking rate increases because of the inflation and things that we're going through with the cost of even on automobiles - the cost to get a part has gone up, a used part, clear up to the labor for someone to actually repair that car.

Sure. So, Don, I know you're involved in The Kindness Revolution. Can you tell us a little bit about that? 

The Kindness Revolution is a not for profit organization. The founder is Ed Horrell. And Ed and I are friends and probably eight years ago, I'd been in the community about a year, they came to me and said, “Hey, we're looking for a community champion.” And they use insurance agents as community champions. And our goal is just to spread kindness throughout the community, through churches, through schools, through nonprofit organizations, civic organizations, and anything that we can do to just to make Saint Joseph and the community a better place. We have a lot of things that we do in the community and through the schools that we try to promote The Kindness Revolution.

I think that's amazing. So what better thing to do than to just be kind? 

Be kind. It's free. As I tell kids, “It doesn't cost anything to be kind.” 

Exactly. And what's this logo on your shirt? Is this a new organization? 

Well, this is the Project Safe Family. It is an initiative we have here in Saint Joseph. There are five members to the Project Safe Family. And it's all about promoting Saint Joseph as a better place to live. And we give information - you know, suicides are up right now with COVID. And the recent commercial, if you see it, there's a phone number, I think it's 9-8-8 where people can call a suicide hotline. And what we do is we share that information through the TV commercials and to the community so that if anyone's ever in need because they feel that way or they know someone that feels like they may want to commit suicide, they have someone to reach out to. And our goal is we look at any initiative we can find. The newest initiative is let's get the kids in school. And so our new commercial, we're shooting today, as I told you Lorrie is let's get kids back in school and let's keep them in school. 

Fantastic. Well, is there anything else you would like to share with us, Don?

I would say if you ever need a second opinion on your insurance, give us a call. You know, as I tell people that sit across from me, even if you don't choose our agency or American Family, I've made a new friend. Because if I see you around Saint Joe, it's a small town, I can say hello.

We appreciate everything you do for our town. We really do, because you're very involved and we very much appreciate that, Don. So thank you so much for coming in and give Don a call. 

Thanks for having us.

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5 star reviewed Realtor St. Joseph, MO

Jan was very helpful and professional. She was patient with us as we look at a LOT of homes, and was there for us through the entire process - from putting in the offer all the way to closing!

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4 years ago

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My wife and I couldn't be happier with our first home buying experience with Ramseier Realty. Excellent communication, great time management and personal attention that exceeded our expectations. We will be recommending them to all of our friends and family. A++

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Lorrie and the team did a great job!

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Recently purchased a home in record time. Lorrie and her team delivered on finding the best value and listening to my requirments. I strongly recomment Ramseier Realty Team to handle all of your real estate transactrions.

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a year ago

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Lorrie is great to work with and worked hard to assist in the sale of my home. She has since helped my son and a fried of my son purchase there first homes. Lorrie worked with them through the first time buyers programs to choose what worked best for them and educated them on the differences. Thanks for all the help!

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If you are looking for a great real estate agent look no further than Emily Creal. She was our “life saver” during the purchase of our new house and took so much stress out of the equation. Emily was so helpful & pleasant to work with and kept us in the loop with every step. Highly recommended!

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She was great, would recommend her team to anyone. She helped sale our house and our land/lot. Both sold within days without any glitches. Couldn’t be happier or more pleased with how her team performed.

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I needed a quick sale and Lorrie came through! Property was under contract in five days! A small inspection issue was fixed, and closing went off without a hitch. Having never bought or sold real estate before, I was scared as could be. Lorrie’s expertise and reassurances kept me sane. Sandi’s Extraordinary organizational skills kept me abreast of “what’s next?” the whole way though. Thanks so much!

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5 star reviewed Realtor St. Joseph, MO

Lorrie is one of the kindest and most personable people I’ve met. She was easily accessible when we needed her and always made sure our needs were met. We had the best experience selling our home thanks to Lorrie and her group.

MaKayla B.

09/29/2018

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Great service! These gals go above and beyond to make your experience smooth and seamless, whether you are buying or selling your home. Call them for your real estate needs, you will be glad you did!

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5 star reviewed Realtor St. Joseph, MO

Lorrie and her team are the best!! Very professional, friendly and they get the job done.

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Lorrie is great to work with and worked hard to assist in the sale of my home. She has since helped my son and a fried of my son purchase there first homes. Lorrie worked with them through the first time buyers programs to choose what worked best for them and educated them on the differences. Thanks for all the help!

jdavies8

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Sold our house in 4 days! Ramseier realty is passionate, prompt and ready to do business.

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Great service! These gals go above and beyond to make your experience smooth and seamless, whether you are buying or selling your home. Call them for your real estate needs, you will be glad you did!

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Lorrie and her team are the best!! Very professional, friendly and they get the job done.

Marcy Rodgers H.

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5 star reviewed Realtor St. Joseph, MO

Lorrie is one of the kindest and most personable people I’ve met. She was easily accessible when we needed her and always made sure our needs were met. We had the best experience selling our home thanks to Lorrie and her group.

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Loved working with Lorrie and Emily! Professional, friendly and efficient. The photos Lorrie had done for the sale of my home were amazing, sold my house less than 48 hours after being listed!

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They worked great with my work schedule. Always friendly and out going

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She is an amazing realtor! One who is more than a realtor, but in who is sincere, and goes more than the extra mile, to find your New Home, and or Business location!

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Lorrie and her staff listed our home for sale on a Friday afternoon and had an accepted full offer the very next day! From a seller's perspective, how could anyone ask for better results! Lorrie first impressed me when she was the first to call me back after leaving messages with three other Realtors. I knew at that time, that she was sincere, motivated and wanted our listing! If I had another home in the area, there would only be one call to make to have my home listed and that would be with Lorrie at Keller Williams!

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Lorrie Ramseier has been helping me find a home from August 2017 to May 2018. I can not recommend her and her staff high enough. She went above and beyond for us. I told her the street and several homes that I would like to own, but were not for sale. She made inquiries to those homeowners to find out if they might sell. Although, they did not, I appreciated the effort. Sometimes we worked with Emily and she was great. They were prompt with email and phone call responses and always upbeat and pleasant. What we appreciated the most was her knowledge and professionalism. I would use them again in a heartbeat, if necessary.

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Lorrie is awesome, she made the selling of my home easy and removed the stress by handling everything in a timely manner. She took time out of her schedule to just check on me to see how everything was going. She is a great realtor

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She was great, would recommend her team to anyone. She helped sale our house and our land/lot. Both sold within days without any glitches. Couldn’t be happier or more pleased with how her team performed.

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I needed a quick sale and Lorrie came through! Property was under contract in five days! A small inspection issue was fixed, and closing went off without a hitch. Having never bought or sold real estate before, I was scared as could be. Lorrie’s expertise and reassurances kept me sane. Sandi’s Extraordinary organizational skills kept me abreast of “what’s next?” the whole way though. Thanks so much!

911 bradh

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Lorrie and her team were outstanding and I am so glad that we selected her agency to list our home. Everything Lorrie did was 5-star worthy. She presented a compelling analysis and recommendation on our listing price, she and her team were very accessible, very professional and it was a true joy to work with them. Lorrie went above and beyond on many occasions, she has excellent connections and resources which we used from closing agents, to electricians and plumbers. As the seller, she excelled in the "selling" process especially the negotiation and working to get multiple offers. She never took the easy road, always the road that provided the best outcome. Anyone can list and sell a home, but few can make the process seamless and get the absolute best price for the seller....If you are listing, you can't go wrong with Lorrie.

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I recently listed and sold my home with Ramseier Realty Group. We received multiple offers and had it under contract within a month. Lorrie and her team are attentive and truly care about their clients' best interests. I would recommend this realty team to anyone!

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2 years ago

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Words cannot describe how well we were guided through the entire process of selling our home and purchasing a new one. Every detail was attended to and negotiations were professionally carried out. We were always confident that we were well taken care of.

MikeRuth Weese

2 years ago

5 star reviewed Realtor St. Joseph, MO

Both Lorrie & Jan were SO awesome to work with during our selling and buying process! They are so friendly, willing to help, and really went above and beyond for us to make sure we had the answers we needed to all of our questions. Both of them were so patient and eager to make sure that we were happy, well informed and didn't feel any pressure. We can't thank them enough!!!

Betsy Davis

4 years ago

5 star reviewed Realtor St. Joseph, MO

We met Lorrie for the first time at a property she was listing and new right away she was a person of integrity and someone we could trust to sell our home and lead us to a great new place. She did not disappoint. Throughout the process she continued to show us that she was always on top of things. Thanks Lorrie for all you did and for helping us to enjoy the process.

Rodney Mollus

4 years ago

5 star reviewed Realtor St. Joseph, MO

Lorrie is by far the best realtor I have ever worked with. Her staff and herself are easy to get a hold of and promptly answer any questions. She has been a blessing to myself and my parents that also just bought a home with her help.

Amanda Wheeler

3 years ago

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Lorrie and I are working on finding me a house in St Joseph. She went out on Superbowl Sunday in 3 degree weather to show me a house. I am an out of state buyer. Unbelieveable. Can't ask for a better realtor.

Debbie V

11 months ago

5 star reviewed Realtor St. Joseph, MO

Lorrie was absolutely essential to our purchase of our dream home. We were at a stand still and Lorrie represented us perfectly. We have and will continue to recommend her to anyone who wants an awesome advocate in the business of real estate. We love her and cannot thank her enough for all she did for our family. Call her! You will not regret it!

Thetaverse

4 years ago

5 star reviewed Realtor St. Joseph, MO

Lorrie and her team are awesome! They think of everything and are so helpful as you are in the middle of chaos trying to sell, pack, buy and move. Lorrie or someone from her team will walk you through the whole process before you start to give you an idea of how they run things. The pictures they post are great and really show off your home. Couldnt think of going with anyone else!

Matthew Wieners

a year ago

5 star reviewed Realtor St. Joseph, MO

Jan was very helpful and professional. She was patient with us as we look at a LOT of homes, and was there for us through the entire process - from putting in the offer all the way to closing!

Andy Arends

4 years ago

5 star reviewed Realtor St. Joseph, MO

Amazing professional but also personal service. This company has been there for us even after the purchase of our dream home

Rachel Rieger

a year ago

5 star reviewed Realtor St. Joseph, MO

Just sold our home very quickly, and with no problems. Lorrie and her team were the best! They kept us up to date, were very professional, and were absolutely great to work with. My husband and I highly recommend these folks to anyone looking for a realtor!

Eudora Guinn

a year ago

5 star reviewed Realtor St. Joseph, MO

Lorrie is the best realtor in town. She and her staff were very helpful from beginning to end. We will recommend Ramseier Realty Group to all our friends!

Connie Whitsitt

2 years ago

5 star reviewed Realtor St. Joseph, MO

It was a better experience than we could have even asked for. The entire team walked us through every step of the process. They were all very kind and professional. To everyone who helped our church find its new home; THANK YOU!

Josh Coverett

a week ago

5 star reviewed Realtor St. Joseph, MO

The whole team did an excellent job helping us to find our new home! Everyone was friendly and professional. They were very quick to respond to any questions or concerns that we had. Thank you so much!

Mary Wood

3 months ago

5 star reviewed Realtor St. Joseph, MO

Recently purchased a home in record time. Lorrie and her team delivered on finding the best value and listening to my requirments. I strongly recomment Ramseier Realty Team to handle all of your real estate transactrions.

Rob Buehler

a year ago

5 star reviewed Realtor St. Joseph, MO

My wife and I couldn't be happier with our first home buying experience with Ramseier Realty. Excellent communication, great time management and personal attention that exceeded our expectations. We will be recommending them to all of our friends and family. A++

William Burnich

4 years ago

5 star reviewed Realtor St. Joseph, MO

Thank you to the Ramseier team for all you did to make our house purchase effortless. This house will be an amazing addition to the Pivotal Point ministry.

Melissa Frakes

6 days ago

5 star reviewed Realtor St. Joseph, MO

The Best realtorty group that I've worked with, responsive, brings us what we asked for and showed us many houses before we finally got what we wanted. Sold our house for what we wanted and made sure the deal went through.

Daniel Hess

a year ago

5 star reviewed Realtor St. Joseph, MO

Lorrie and the team did a great job!

Kelly Adkins

9 months ago

5 star reviewed Realtor St. Joseph, MO

Lorrie is the best realtor in town! With her passionate, prompt, competitive and knowledgeable experience she sold our house sold in just 4 days. If you want a quick sale or a devoted realtor to find a new home, she's your gal!

Alexis Conner

4 years ago

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