Emilio Lopez

Home Insurance Tips

• Review Your Coverage Before Winter: November is a good time to ensure your home insurance covers winter-related damages such as frozen pipes or roof damage from snow and ice.

• Update Your Inventory: Take photos and update your home inventory for personal belongings. This helps with potential losses if something gets damaged or stolen during the holiday season.

• Check for Discounts: Many insurers offer discounts for installing safety devices like smoke detectors, security systems, or storm shutters—consider adding these before winter.

• Understand Weather-Related Risks: Check if your policy covers damages from winter storms, hail, or flooding. You may need additional riders or separate flood insurance.

• Increase Deductibles for Savings: If you have an emergency fund, consider raising your deductible to lower your costs, but ensure you can cover the deductible if a loss occurs.

• Prepare Your Home: Make sure gutters are clean and your heating system is serviced to prevent damage and potential loss.

Auto Insurance Tips

• Winterize Your Vehicle: Inform your insurer if you make modifications like snow tires or anti-lock brakes, as these can sometimes reduce costs.

• Review Your Coverage: Check that your policy covers winter hazards such as accidents on icy roads or damages from falling branches during storms.

• Adjust Usage If Needed: If you drive less in winter, ask about usage-based or pay-per-mile insurance options to save money.

• Keep Your Records Updated: Ensure your insurer has your current address, vehicle usage, and any changes in drivers to avoid claim issues.

• Bundle Policies: Consider bundling home and auto insurance for possible discounts.

• Stay Safe and Document: In case of an accident, document the scene thoroughly with photos and notes, especially in poor weather conditions.

I am proud to be a father to three amazing boys - Joey, Liam, and Landon. They are my motivation and have contributed greatly to my success in life.

In addition to being a dedicated father, I am also a volunteer firefighter for the Town of Elkin. I joined the department in 2021 and find immense joy in serving and protecting my community. Helping others and giving back has always been a passion of mine.

It was in December of 2017 when my parents experienced a house fire. Thankfully, everyone was safe, and we witnessed the exceptional customer service provided by State Farm, their insurance carrier. This experience solidified my desire to work for such a reputable company.

In August 2019, I started working for a State Farm agent who helped nurture my skills and development within the company. After two years, I took a leap of faith and decided to become an agent myself. My previous experience as a State Farm team member taught me how to provide exceptional coverage to our customers, offering various insurance options such as auto, home, renters, life, commercial, and financial services.

On April 1st, 2022, I proudly opened the doors to my own State Farm office in Downtown Statesville. The community of Iredell County has warmly welcomed me and my team. As a small business owner, I understand the challenges we face, so I am a strong advocate for supporting local businesses.

At the Emilio Lopez State Farm Agency, we understand that life doesn't always go as planned. Our responsibility is to help you make informed decisions regarding your insurance and financial service needs. I invite you to visit our office and meet our incredible team members. We are eager to provide you and your family with the coverage you require.