Video 1.

- Audio recorded over itself

Do you hate paying what feels like a ton of money for home and auto insurance—especially when you
never even file a claim? Yeah, me too.
That’s exactly why, at Grimes Insurance, we’ve built a unique, tech-driven process to make sure you’re
getting the best possible rates.
Here’s how it works: We shop over 100 of the nation’s top insurance companies on your behalf, ensuring
you get the best coverage at the best price.
But here’s the thing—we’re not some insurance agency that just popped up overnight. Grimes Insurance
has been serving Lubbock for 76 years. That kind of longevity and reputation means insurance
companies respect us. They want us to work with them.
And because of that, in many cases, they offer us exclusive pricing and specialty programs that others
simply don’t have access to.
At the end of the day, we believe that having more options is always better for you. Plus, when you work
with us, you get direct access to our team of over 30 experienced professionals—real people, ready to
help when you need them.
So, if you’re tired of high rates and getting no answers from your insurance agent, it’s time to see what 76
years of experience can do for you. Give Grimes Insurance a call today!
Video 2.
Have you ever wondered how insurance agents actually get paid? Do we just sit back and collect money
for doing nothing? Not quite! Let me break it down for you.
Insurance agents typically earn a commission from the insurance companies when they sell a policy. That
means you don’t pay us directly—our compensation comes from the insurance provider.
There are two main types of commissions:
First, there’s the initial commission, which is paid when you first buy a policy. Then there’s renewal
commission, which is a smaller percentage agents earn each year you keep your policy.
But here’s the thing—good agents do way more than just sell you a policy. We help you find the best
coverage at the best price, assist with claims, answer your questions, and make sure you’re always
properly protected.
Independent agents, like us at Grimes Insurance, aren’t tied to just one company. We shop around for
you, making sure you get the best deal from a wide range of insurers—at no extra cost to you.
So, the next time you’re shopping for insurance, remember: a good agent works for you, not the
insurance company. If you’re ready to see the difference a great agent can make, give Grimes Insurance
a call today!
Video 3.
When it comes to growing our business and making meaningful connections, Real Producers and Kathy
Pettit have been absolute game changers.
Advertising in the Real Producers magazine has been incredibly valuable. It allows us to speak directly to
our target market—realtors, lenders, and other small business owners. The exposure we get through the
magazine has helped us build our brand and reach the right audience in a meaningful way.
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But what really sets Real Producers apart is Kathy Pettit and the effort she puts into creating exceptional
networking opportunities. Beyond the magazine, Kathy hosts multiple events throughout the year, and she
pours so much time and energy into making them truly remarkable.
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These events aren’t just gatherings—they’re opportunities to build real, lasting relationships within the
industry. We’ve been able to connect with so many great professionals, and those relationships have
made a significant impact on our business.
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If you’re looking for a way to expand your network and grow your business, I can’t recommend Real
Producers and Kathy Pettit enough. Between the magazine and the incredible events, it’s a perfect way to
connect, collaborate, and succeed!
Video 4.
Ever feel like you're paying more for insurance than you do for your morning coffee addiction? Yeah, us
too. But here’s the thing—getting great coverage doesn’t have to cost an arm and a leg (or your firstborn).
At Grimes Insurance, we do things differently. We shop over 100 of the nation’s top insurance companies
to make sure you’re getting the best deal—without sacrificing the coverage you actually need.
We do all the hard work, so you don’t have to. No more guessing, no more overpaying, and definitely no
more confusing insurance jargon. Just real, affordable coverage from people who actually care.
Because saving money on insurance should feel like winning the lottery—without the awkward press
conference.
So, if you're tired of high rates, confusing policies, and agents who ghost you faster than a bad first
date—give Grimes Insurance a call today. Because great coverage and great service should always go
hand in hand.
Video 5.
This little-known rule could impact your insurance coverage—or even cause your policy to be canceled
altogether.
Here’s the deal: You pick a new policy, sign the application, pay for it, then cancel your old policy—sounds
simple, right? But what if I told you that even after all that, you could still be left without coverage?
Before I reveal the name of this crucial rule, let’s talk about why it matters. Did you know that insurance
companies have 30 to 60 days to take a deep dive into your home’s condition, claims history, and other
details?
Oh, and here’s the kicker—if they find something they don’t like, they can pull the plug on your policy,
leaving you scrambling for new coverage. Yep, you heard that right. Within this window, they can cancel
your policy for any reason.
Surprised? Most homeowners are.
So, what’s the name of this super important rule? It’s called the underwriting window, or sometimes
referred to as the free look period.
If you’re switching home insurance policies, here’s a crucial tip: Try to keep your old policy in place for at
least 60 days after the new policy starts—just to be safe.
Understanding this free look period can save you a lot of stress. If you have any questions, don’t hesitate
to call us—we’re here to help!
Video 6.
Ok, business owners, lets talk workers compensation.
Worker’s Compensation insurance is protection for both the business and employees. If someone gets
injured on the job, this coverage helps pay for medical bills and lost wages—ensuring employees are
taken care of and businesses don’t face unexpected financial burdens from these medial bills and lost
wages.
But here’s something interesting—you have something called an Experience Modification Factor, or
EMOD for short. Think of it like a report card for how safe your business is.
So, how does it work? A 1.00 EMOD is considered average. If your EMOD is below 1.00,
congratulations—you’re doing better than average and you’ll likely pay less for Worker’s Comp insurance.
But if it’s above 1.00, that means there’s room for improvement, and you could be paying higher
premiums. If your EMOD is high, it might not be your fault-we can help with that.
Here’s the key takeaway—your EMOD directly affects how much you pay for Worker’s Compensation
insurance. The safer your workplace, the lower your EMOD, and the more you can save and invest even
more money back into your business.
If you need help better understanding workers comp or your EMOD, give us a call, wed be happy to help
you.
Video 8.
Hi, I’m Ryan Reynolds and I’m excited to partner with Lock and Key Texas Realtors to help protect your
your dream home!
Look, I work with a lot of realtors, but I can honestly say you’re in great hands with this amazing team.
They truly care about helping you find the perfect home.
When it comes to home insurance, What most home buyers care about is 1) Great coverages that protect
their home and 2) Making their home insurance as affordable as possible. After all, the cheaper your
home insurance the more home you can afford to buy, right?
Honestly, there’s no better choice than Grimes Insurance. Let me share why more people trust us over
any other agency.
Grimes Insurance has been serving Lubbock for 76 years as an independent insurance agency. Why
does that matter? Because we’ve been here for 76 years we’ve been able to form relationships with over
100 insurance companies. You see we believe you deserve the best coverage at the most competitive
price, not the most competitive price we can find, the most competitive price in the market.
While most agencies only offer one or two options, we provide you with access to a wide range of
choices. More options mean the best price and we Taylor it to your specific needs.
We have a dedicated team of over 30 insurance professionals ready to assist you. Not only do we shop
for the best rates when you first join us, but we do it every year to make sure you’re always getting the
best deal.
Hey, give us a call or check out our over 1,000 Google reviews to see why our clients love working with
us.
I wish you the best of luck in your home-buying journey, and we look forward to helping you protect your
new investment!