Skip to content
Click to Call
Sprout Insurance

175A Young Ave
Nettleton, MS 38858

Get Directions
Sprout Insurance Blog

Does Missouri Charge a Penalty for Not Having Health Insurance?

Posted on by admin

Health insurance acts as a safeguard should you find yourself ill or injured, ensuring you don’t have to pay sky-high medical costs out of pocket. The Affordable Care Act of 2010 introduced a rule that required individuals and families to have health insurance or pay a penalty for not having it. While this rule was eliminated in 2019, some states still enforce it, which could mean you have to pay money if you don’t have health coverage even without the federal rule in place. If you live in Missouri, do you need to be concerned about this? Here’s what you need to know about health coverage tax penalties in Missouri and how you can get the proper coverage with the help of us here at Sprout Insurance in Nettleton, MS.

Do You Have to Pay a Penalty If You Don’t Have Health Coverage in Missouri?

Thankfully, Missouri is not one of the handful of states that still charges a penalty for not having health coverage. The few states that do still penalize residents for going without health insurance include Massachusetts, California, Vermont, New Jersey, Rhode Island, and Washington D.C. But with that in mind, should you have health insurance? Absolutely! While you might save money throughout the year should you experience no issues and need to pay no tax, having the most basic health insurance policy can save you thousands if not hundreds of thousands, of dollars you wouldn’t be able to pay without the support of health coverage. When it comes to both your financial and physical health, health coverage is essential.

Find the Right Health Insurance Policy With Sprout Insurance

Sprout Insurance in Nettleton, MS is your partner in finding good insurance. We’ll help you find the health insurance policy that meets your needs, no matter what those may be. Contact us today or compare quotes with us now!

Auto Insurance and the Two Car Family

Posted on by admin

You are fortunate enough to be a two-car family. One spouse can take one car to work, and the other can use the other car to run errands. If your teen has their own car, they no longer need to bug you for rides everywhere. They can even get themselves to school. Convenient as it is, you will still need enough insurance to cover both cars. What’s more, everyone in your household who drives needs to be listed on the policy.

The Policy Can Be Convenient as Well

You may find it easier to put all your household cars on one insurance policy. That makes it easier to keep up with renewal and payment dates. It also makes filing a claim easier for anyone in the family. This will cover everyone who is listed on the policy. Do not forget to include everybody! Family milestones such as weddings, sweet sixteens, new homes, or even now being able to afford a second car are exciting. But do not let the excitement overshadow your need for insurance. You may see a slight increase in your rates, but that is to be expected with more drivers, particularly if one is inexperienced. You may find bundling to be an advisable action.

Contact Sprout Insurance Serving Nettleton, MS

If you live in the Nettleton, MS, area and need auto insurance, contact Sprout Insurance. Our dedicated and helpful agents have the knowledge to help you find the policy that best suits your unique needs.

What is business interruption insurance?

Posted on by admin

Business owners rely on their income to cover company expenses and their own pay. Many assume that they won’t ever have to close the company unless they want to; however, there are times when it might be necessary for businesses in Nettleton, MS, to close unexpectedly. In those times, the company’s income grinds to a halt.

Business interruption insurance is one option that business owners should understand. It may help offset some of that income loss. This insurance can provide a financial safety net for covered events, allowing the business to stay afloat and recover from the event.

What Does Business Interruption Insurance Cover?

The exact coverage a business has depends on the policy it obtains. There are a few coverages that are common for these policies. These include:

  • Income replacement: If the company cannot generate revenue due to the covered event, a policy may reimburse you for the income you would have earned during the interruption.
  • Fixed expense coverage: Fixed costs, such as employee salaries, utilities expenses, and rent payments, continue to accrue, but insurance coverage can help pay for them.
  • Temporary relocation: Business interruption insurance may cover the costs of temporarily relocating the primary business location if it becomes unusable due to an event.

If you’re in the market for business interruption insurance for your company, speaking to an experienced professional at Sprout Insurance can help you learn about the coverage options you have for a company in Nettleton, MS. Be sure to discuss the covered events and exclusions; so you have a complete understanding of what’s covered by the insurance policy.

Common misconceptions about trucking insurance

Posted on by admin

Commercial trucking insurance can be quite complex and is always associated with a lot of myths and misconceptions, especially among fleet managers and owner-operators. Let’s debunk some of the most common myths about trucking insurance, so it will be easier for you to find the best policy.

1. Trucking Insurance is Expensive

The truth is that trucking insurance can be expensive. However, it is a significant investment to protect your truck and business. Plus, some ways allow you to save on trucking insurance. One of them is bundling policies that will enable you to reduce insurance premiums significantly.

2. Only Long-haul Truckers Need Trucking Insurance

This is not true because trucking insurance is necessary and beneficial for all truckers regardless of their operating area. Even if you are a local driver, you are still exposed to risks of accidents and other unfortunate and unexpected events.

3. Trucking Insurance Covers Everything

It is important to understand that every policy is different. They are not one-size-fits-all. If you are looking for trucking insurance and want the maximum coverage, you need to discuss it with an insurance agent who will help you find the perfect policy for you and your trucking business.

4. Trucking Insurance Covers All Drivers

In reality, standard trucking insurance covers only those drivers who are named on the policy. Expanding coverage to any driver is possible, but you need to ask for an endorsement on your policy.

If you are an owner-operator or you own a trucking business, and you are searching for trucking insurance to protect your trucks and drivers, Sprout Insurance is ready to assist you. At Sprout Insurance, we specialize in different types of insurance, including trucking insurance, and we work with clients from Nettleton, MS, and other nearby areas in Mississippi. Thus, if you are from Nettleton, MS, or nearby, feel free to contact our insurance company, and we will answer all your questions.

How to Choose the Right Recreational Insurance Policy for Your Lifestyle

Posted on by admin

Finding the perfect recreational insurance policy can feel overwhelming, but Sprout Insurance in Nettleton, MS, is here to simplify the process. Whether you enjoy boating, RV trips, or off-road adventures, having the right coverage is essential.

Assessing Your Recreational Insurance Needs

Start by considering your recreational activities. Do you own a boat, an RV, or perhaps a motorcycle? Each vehicle comes with its own risks and coverage requirements. Think about how often you use them and where you typically go. This will help you determine the level of protection you need.

Understanding Recreational Insurance Coverage Options

Recreational insurance offers various coverage types, including liability, collision, comprehensive, and uninsured motorist protection. Liability coverage protects you if you’re at fault in an accident, while collision and comprehensive cover damages to your vehicle from accidents and other incidents like theft or weather. Understanding these options helps you tailor a policy that fits your lifestyle.

Comparing Recreational Insurance Policies

Once you know what you need, compare policies from different providers. Look for a balance between cost and coverage. Remember, the cheapest policy might not offer the best protection. Reading reviews and asking for recommendations can provide insights into the reliability of an insurer.

Consulting with Insurance Experts

Speaking with an insurance agent can clarify any questions and ensure you’re making an informed decision. At Sprout Insurance, our team is ready to answer your questions and guide you through the process.

Contact Us Today for Your Recreational Insurance Needs

Ultimately, the right recreational insurance policy should give you peace of mind, allowing you to enjoy your adventures worry-free. Contact Sprout Insurance in Nettleton, MS, today for personalized advice and to explore your options. We’re here to help you every step of the way.

What value will come with having renters insurance in Mississippi?

Posted on by admin

For many residents in the Nettleton, MS, area, renter’s housing is the optimal choice due to its fewer obligations and associated risks. However, anyone who rents their living space should factor in obtaining insurance, which includes having a comprehensive renters’ insurance plan. Renters’ insurance offers significant value.

Protection for Personal Assets

While as a renter, you may not own the property you live in, you undoubtedly have personal assets contained within it. Given the costs associated with accumulating these items, having insurance to cover losses from theft or damage becomes crucial. A renters’ insurance plan offers support in such instances. If you have particularly high-value assets – such as jewelry or rare collectibles – consider opting for additional policy riders offering specific coverage for these items.

Dealing with Liability

Liability risk is always worth considering. A comprehensive renters’ insurance plan will provide you with the support needed to deal with potential liability issues, thereby maximizing protection.

Work with Sprout Insurance!

Securing the right insurance coverage as a renter is just a call away. Contact the team at Sprout Insurance in Nettleton, MS, for personalized solutions. We effectively guide our clients to decide on the right renters’ policy, providing peace of mind over their insurance coverage.

Can RV Insurance Cover Multiple RVs?

Posted on by admin

For some folks working with our team at Sprout Insurance in Nettleton, MS, a single RV is sufficient. However, others prefer to own more than one RV to enable options when they aim to embark on a road trip, take a vacation, or relish a weekend camping in a novel location. Regardless of whether you own one or multiple RVs, it’s always advisable to consider how many RV insurance policies you might require to enhance your RV collection. After all, it’s better to be prepared for a scenario where you might add an RV to your collection rather than finding yourself searching for coverage solutions for a new RV down the line.

Can RV Insurance Cover Multiple RVs?

While every insurance policy varies, RV policies might cover multiple vehicles. This largely depends on the specific terms and limits of a policy. While it’s uncertain whether an RV policy could cover more than a single vehicle, at the very least, RV policies are designed to cover one.

When exploring an RV insurance policy, you should consider whether you live in your RV full-time or use it part-time. If you have an RV considered as a permanent residence and another RV that you use on a part-time basis, you may have to secure RV insurance for the first and recreational RV insurance for the second since recreational RV insurance only covers part-time RV usage. Legally, you’ll need RV insurance even if you only use one RV part-time. For liability coverage, you might want to explore your options for a higher limit if you own multiple RVs, though this is only a general suggestion.

Call us at Sprout Insurance in Nettleton, MS today for RV insurance information!

How to Set a Deductible for Your Motorcycle Insurance Policy

Posted on by admin

Motorcycle owners in Nettleton, MS, must consider numerous factors when choosing a deductible for their motorcycle insurance policy. Careful consideration of your personal situation can help you save money and ensure ample compensation if something happens to your motorbike.

Factors to Consider When Selecting a Motorcycle Insurance Deductible

Initially, evaluate the value of your motorcycle. If it’s an expensive model, consider a low deductible to ensure comprehensive coverage for repairs or replacements.

Next, consider how often you use your motorcycle. The more frequently you ride, the greater the risk of incidents. A lower deductible might be beneficial for motorcycles used often, preventing high out-of-pocket costs for repairs.

Lastly, your financial situation will determine how much you can afford to pay for a deductible each month. You might need to opt for a higher deductible if your finances are tight.

Motorcycle Insurance from Sprout Insurance

Sprout Insurance offers motorcycle insurance and various other policy options to customers in and around Nettleton, MS. As an independent agency, we work with multiple carriers to provide the best possible services. We take pride in assisting individuals in finding the right insurance policy or policy package. Additionally, we work with our clients to set a deductible that matches their needs and budget. If you need help selecting a policy and deductible or want more information about our policy options, feel free to call us. 

Insurance Coverage for A Fishing Boat

Posted on by admin

If you’ve recently purchased a fishing boat, take a moment to review the following guidelines. They will assist you in obtaining the right insurance coverage for your new watercraft.

Fishing Boat

Take into account the size and style of your fishing boat. If an insurance representative inspects your boat, its characteristics could influence the type of boat insurance coverage you decide to purchase.

The cost of your investment should also be considered. If you spent a significant amount on your fishing boat, securing a substantial amount of insurance coverage is advisable.

Travel Distance

Consider the bodies of water where you plan on fishing. The travel distance may affect the type of insurance products you choose.

If you’re towing your boat a considerable distance, you might need a specialized add-on that provides sufficient protection for your boat and transportation essentials while your watercraft is in transit.

Accessories

Examine any fish finders, GPS components, storage bins, and other fishing accessories you plan to use. Any high-priced gear should be covered by your boat insurance policy.

Furniture

If your fishing boat includes furniture, assess each piece carefully. Any furnishings that are vulnerable to inclement weather should be insured.

Expensive furnishings left in plain sight while your boat is docked are at risk of theft. Be sure to secure adequate coverage for these items.

Additional Information

Your fishing boat is a significant investment. An agent from Sprout Insurance would be happy to assist you with choosing the insurance coverage best suited for your boat. Contact one of our Nettleton, MS agents today to get the boat insurance coverage you want.

Umbrella Insurance: What You Need to Know

Posted on by admin

Life is full of unexpected twists and turns. Sometimes, the unexpected can be very expensive. That’s why umbrella insurance was created. If you want to ensure you have all your bases covered regarding insurance, this is the policy for you. Here at Sprout Insurance, serving Nettleton, MS, and the surrounding areas, we want to keep you well informed about your insurance options. Keep reading to learn more about umbrella insurance.

What Is Umbrella Insurance?

Umbrella insurance is a special type of insurance policy that provides additional coverage if another insurance policy you own is maxed out. A policy can be exhausted if the expenses associated with the claim event exceed the amount of the policy. When this happens, you would be left responsible for paying the difference out of pocket. This can financially strain you and your family or your business. This can be avoided by purchasing an umbrella policy.

Who Should Invest In An Umbrella Policy?

An umbrella policy can help anyone stay protected from unexpected expenses, but there are some cases in which it comes in especially handy. For instance, if you have many assets that might be in danger should you be held liable for something, you’d want to protect those assets with an umbrella policy. Also, this is a good option if you’re in a line of work that puts you at extreme risk of injury or liability. 

How Much Coverage Do I Need?

The amount of coverage to be purchased will vary from person to person based on risk factors. You should sit down with an insurance rep to discuss the right amount of coverage for you. 

If you’d like to learn more, please get in touch with us at Sprout Insurance, serving Nettleton, MS, and the surrounding areas.

Sprout Insurance | Website Development by EZLynx® • Copyright © 2025. All Rights Reserved.