--- title: Straight Talk - The Arnold Insurance Blog (2) description: Straight Talk - Arnold Insurance blog with tips, stories & information. (2) --- Contact Us [![Arnoldic](https://blog.myarnoldteam.com/hs-fs/hubfs/raw_assets/public/Arnoldic_August2022/images/new-header-image.png?width=413&height=135&name=new-header-image.png "Arnoldic")](https://www.arnoldic.com/) - [Company](https://www.myarnoldteam.com/) - [Why Arnold Insurance?](https://www.myarnoldteam.com/about) - [Leadership Team](https://www.myarnoldteam.com/copy-of-insurance-executives) - [Insurance Executives](https://www.myarnoldteam.com/team) - Locations - [Cape Girardeau](https://www.myarnoldteam.com/cape-girardeau) - [St. Louis](https://www.myarnoldteam.com/stlouis) - [Denver](https://www.myarnoldteam.com/denver) - [Jackson](https://www.myarnoldteam.com/jackson) - [Alexandria](https://www.myarnoldteam.com/alexandria) - [Scott City](https://www.myarnoldteam.com/scotty-city) - [Sikeston](https://www.myarnoldteam.com/sikeston) - [Phoenix](https://www.myarnoldteam.com/phoenix) - Personal - [Auto Insurance](https://www.myarnoldteam.com/auto) - [Home Insurance](https://www.myarnoldteam.com/home-insurance) - [Renters Insurance](https://www.myarnoldteam.com/renters) - [Boat Insurance](https://www.myarnoldteam.com/boat) - Commercial - [Business Owners Coverage](https://www.myarnoldteam.com/business-owners-policy) - [General Liability Coverage](https://www.myarnoldteam.com/general-liability) - [Property Coverage](https://www.myarnoldteam.com/commercial-property) - [Towing Coverage](https://www.myarnoldteam.com/towing) - [Bonding](https://myarnoldteam.propeller.insure/axelerator-public/) - [Health](https://www.myarnoldteam.com/group-health) - [Resources](https://www.arnoldic.com/) - [Straight Talk/Blog](https://blog.myarnoldteam.com/straight-talk) - [Testimonials](https://www.myarnoldteam.com/?__hstc=243107421.e0f7ab11dab606bb386a0f5f4de1c634.1676410558906.1676410558906.1676410558906.1&__hssc=243107421.5.1676410558906&__hsfp=69714730) - [Bonus Tools](https://info.myarnoldteam.com/free-resources-from-arnold-insurance-company) - [Contact](https://www.myarnoldteam.com/contact) [![Request A Quote](https://no-cache.hubspot.com/cta/default/8185661/01c532b0-a201-443b-8414-aa6d9c4e6106.png)](https://cta-redirect.hubspot.com/cta/redirect/8185661/01c532b0-a201-443b-8414-aa6d9c4e6106) - [Company](https://www.myarnoldteam.com/about) - [Why Arnold Insurance?](https://www.myarnoldteam.com/about) - [Leadership Team](https://www.myarnoldteam.com/copy-of-insurance-executives) - [Insurance Executives](https://www.myarnoldteam.com/team) - Locations - [Cape Girardeau](https://www.myarnoldteam.com/cape-girardeau) - [St. Louis](https://www.myarnoldteam.com/stlouis) - [Denver](https://www.myarnoldteam.com/denver) - [Jackson](https://www.myarnoldteam.com/jackson) - [Alexandria](https://www.myarnoldteam.com/alexandria) - [Scott City](https://www.myarnoldteam.com/scotty-city) - [Sikeston](https://www.myarnoldteam.com/sikeston) - [Phoenix](https://www.myarnoldteam.com/phoenix) - Personal - [Auto Insurance](https://www.myarnoldteam.com/auto) - [Home Insurance](https://www.myarnoldteam.com/home-insurance) - [Renters Insurance](https://www.myarnoldteam.com/renters) - [Boat Insurance](https://www.myarnoldteam.com/boat) - Commercial - [Business Owners Coverage](https://www.myarnoldteam.com/business-owners-policy) - [General Liability Coverage](https://www.myarnoldteam.com/general-liability) - [Property Coverage](https://www.myarnoldteam.com/commercial-property) - [Towing Coverage](https://www.myarnoldteam.com/towing) - [Bonding](https://myarnoldteam.propeller.insure/axelerator-public/) - [Health](https://www.myarnoldteam.com/group-health) - Resources - [Straight Talk | Blog](https://blog.myarnoldteam.com/straight-talk) - [Testimonials](https://www.myarnoldteam.com/?__hstc=243107421.e0f7ab11dab606bb386a0f5f4de1c634.1676410558906.1676410558906.1676410558906.1&__hssc=243107421.5.1676410558906&__hsfp=69714730) - [Bonus Tools](https://info.myarnoldteam.com/free-resources-from-arnold-insurance-company) - [Contact](https://www.myarnoldteam.com/contact) - [Request a Quote](https://www.myarnoldteam.com/quote) ![shutterstock_1919408156-1](https://blog.myarnoldteam.com/hubfs/shutterstock_1919408156-1.jpeg) ### Straight Talk [Insurance](https://blog.myarnoldteam.com/straight-talk/tag/insurance), [Small Business Insurance](https://blog.myarnoldteam.com/straight-talk/tag/small-business-insurance), [Arnold Insurance Small Business Insurance](https://blog.myarnoldteam.com/straight-talk/tag/arnold-insurance-small-business-insurance) ## [Q4 Is Coming: 5 Insurance Moves Business Owners Should Make Before Year-End](https://blog.myarnoldteam.com/straight-talk/q4-is-coming-5-insurance-moves-business-owners-should-make-before-year-end) As the year winds down, it's time to wrap up more than just your books. While you're busy planning... 4 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/q4-is-coming-5-insurance-moves-business-owners-should-make-before-year-end) [Personal Property Supplemental Insurance](https://blog.myarnoldteam.com/straight-talk/tag/personal-property-supplemental-insurance), [Commercial Insurance](https://blog.myarnoldteam.com/straight-talk/tag/commercial-insurance), [Flood Insurance](https://blog.myarnoldteam.com/straight-talk/tag/flood-insurance), [Business Personal Property Insurance](https://blog.myarnoldteam.com/straight-talk/tag/business-personal-property-insurance) ## [Flood Insurance Isn't Just for Coastal Areas: Why Midwestern Businesses & Homeowners Should Care](https://blog.myarnoldteam.com/straight-talk/flood-insurance-isnt-just-for-coastal-areas) Think you don't need flood insurance because you don't live near the coast? Think again. This myth... 5 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/flood-insurance-isnt-just-for-coastal-areas) [Cyber Security](https://blog.myarnoldteam.com/straight-talk/tag/cyber-security), [Cyber](https://blog.myarnoldteam.com/straight-talk/tag/cyber), [Comprehensive Cyber Insurance Guide](https://blog.myarnoldteam.com/straight-talk/tag/comprehensive-cyber-insurance-guide) ## [Why Cyber Liability Insurance Is Essential for Retail and E-Commerce Businesses](https://blog.myarnoldteam.com/straight-talk/why-cyber-liability-insurance-is-essential-for-retail-and-e-commerce-businesses) If you run a retail business, you've likely experienced the whirlwind of managing supply chains,... 4 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/why-cyber-liability-insurance-is-essential-for-retail-and-e-commerce-businesses) [Liability](https://blog.myarnoldteam.com/straight-talk/tag/liability), [auto insurance](https://blog.myarnoldteam.com/straight-talk/tag/auto-insurance), [motorcycle](https://blog.myarnoldteam.com/straight-talk/tag/motorcycle) ## [Motorcycle Insurance 101: What Coverage Do You Really Need?](https://blog.myarnoldteam.com/straight-talk/motorcycle-insurance-101-what-coverage-do-you-really-need) Nearly 9 million motorcycles cruise American roads, but here's a sobering reality: riders face a... 5 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/motorcycle-insurance-101-what-coverage-do-you-really-need) [rates](https://blog.myarnoldteam.com/straight-talk/tag/rates), [Small Business Insurance](https://blog.myarnoldteam.com/straight-talk/tag/small-business-insurance), [Commercial Insurance](https://blog.myarnoldteam.com/straight-talk/tag/commercial-insurance) ## [5 Ways to Lower Your Commercial Insurance Premiums Without Reducing Coverage](https://blog.myarnoldteam.com/straight-talk/5-ways-to-lower-your-commercial-insurance-premiums-without-reducing-coverage) It’s no secret that the cost of running a business is increasing. When budgets tighten, it can be... 3 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/5-ways-to-lower-your-commercial-insurance-premiums-without-reducing-coverage) [Small Business Insurance](https://blog.myarnoldteam.com/straight-talk/tag/small-business-insurance), [Commercial Insurance](https://blog.myarnoldteam.com/straight-talk/tag/commercial-insurance), [Homeowners Insurance](https://blog.myarnoldteam.com/straight-talk/tag/homeowners-insurance) ## [Insuring Your Home-Based Business: Why Homeowners Insurance Isn’t Enough](https://blog.myarnoldteam.com/straight-talk/insuring-your-home-based-business-why-homeowners-insurance-isnt-enough) Running a business from home comes with many perks. You get to be your own boss, ditch the commute,... 3 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/insuring-your-home-based-business-why-homeowners-insurance-isnt-enough) [Insurance](https://blog.myarnoldteam.com/straight-talk/tag/insurance), [auto insurance](https://blog.myarnoldteam.com/straight-talk/tag/auto-insurance), [Commercial Insurance](https://blog.myarnoldteam.com/straight-talk/tag/commercial-insurance), [Homeowners Insurance](https://blog.myarnoldteam.com/straight-talk/tag/homeowners-insurance), [Inflation](https://blog.myarnoldteam.com/straight-talk/tag/inflation) ## [How Inflation is Impacting Insurance Premiums (And What You Can Do About It)](https://blog.myarnoldteam.com/straight-talk/how-inflation-is-impacting-insurance-premiums) Brace yourselves! Inflation has been the star of the economic headlines lately, and it’s not a... 3 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/how-inflation-is-impacting-insurance-premiums) [auto insurance](https://blog.myarnoldteam.com/straight-talk/tag/auto-insurance), [Small Business Insurance](https://blog.myarnoldteam.com/straight-talk/tag/small-business-insurance), [Commercial Insurance](https://blog.myarnoldteam.com/straight-talk/tag/commercial-insurance) ## [Do You Need Commercial Auto Insurance? What to Know if Your Employees Drive for Work](https://blog.myarnoldteam.com/straight-talk/do-you-need-commercial-auto-insurance) Driving on behalf of your business is more than just hitting the road; it’s also about managing... 4 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/do-you-need-commercial-auto-insurance) [commercial risk assessment](https://blog.myarnoldteam.com/straight-talk/tag/commercial-risk-assessment), [Commercial Insurance](https://blog.myarnoldteam.com/straight-talk/tag/commercial-insurance) ## [5 Common Gaps in Commercial Insurance That Could Cost Your Business](https://blog.myarnoldteam.com/straight-talk/5-common-gaps-in-commercial-insurance-that-could-cost-your-business) You know that feeling of relief when you tuck away your insurance paperwork, thinking, "Phew, my... 3 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/5-common-gaps-in-commercial-insurance-that-could-cost-your-business) [auto insurance](https://blog.myarnoldteam.com/straight-talk/tag/auto-insurance), [summer](https://blog.myarnoldteam.com/straight-talk/tag/summer), [road trip](https://blog.myarnoldteam.com/straight-talk/tag/road-trip) ## [Road Trip Ready? Why Summer is the Perfect Time to Review Your Auto Insurance](https://blog.myarnoldteam.com/straight-talk/road-trip-ready-why-summer-is-the-perfect-time-to-review-your-auto-insurance) Summer is here, and that means it’s time for long drives, scenic road trips, and family vacations.... 3 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/road-trip-ready-why-summer-is-the-perfect-time-to-review-your-auto-insurance) [jetski](https://blog.myarnoldteam.com/straight-talk/tag/jetski), [watercraft](https://blog.myarnoldteam.com/straight-talk/tag/watercraft), [boat](https://blog.myarnoldteam.com/straight-talk/tag/boat), [vacation](https://blog.myarnoldteam.com/straight-talk/tag/vacation) ## [Do You Need Special Coverage for Jet Skis and Other Watercraft?](https://blog.myarnoldteam.com/straight-talk/do-you-need-special-coverage-for-jet-skis-and-other-watercraft) Picture this: it’s a sunny day, you’re out on the lake, and the thrill of riding your brand-new jet... 3 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/do-you-need-special-coverage-for-jet-skis-and-other-watercraft) [Home Insurance](https://blog.myarnoldteam.com/straight-talk/tag/home-insurance), [Vacation Home Insurance](https://blog.myarnoldteam.com/straight-talk/tag/vacation-home-insurance) ## [Vacation Home Insurance 101: Protecting Your Second Home This Summer](https://blog.myarnoldteam.com/straight-talk/vacation-home-insurance-101-protecting-your-second-home-this-summer) Owning a vacation home is like hitting the jackpot of relaxation. Whether it’s your lakeside... 3 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/vacation-home-insurance-101-protecting-your-second-home-this-summer) Search for Content by Topic: - There are no suggestions because the search field is empty. ### Top Posts [Prev](https://blog.myarnoldteam.com/straight-talk) [1](https://blog.myarnoldteam.com/straight-talk) [2](https://blog.myarnoldteam.com/straight-talk/page/2) [3](https://blog.myarnoldteam.com/straight-talk/page/3) [4](https://blog.myarnoldteam.com/straight-talk/page/4) [5](https://blog.myarnoldteam.com/straight-talk/page/5) [Next](https://blog.myarnoldteam.com/straight-talk/page/3) [Contact 800-397-2427](tel:800-397-2427) [Info@myarnoldteam.com](mailto:Info@myarnoldteam.com) Headquarters [875 North Kingshighway Blvd Cape Girardeau, MO 63701 ](https://g.page/cape-aic?share) - Quick Links - [Home Insurance](https://www.myarnoldteam.com/home-insurance) - [Auto Insurance](https://www.myarnoldteam.com/auto) - [Commercial Insurance](https://www.myarnoldteam.com/commercial) - [Request a Quote](https://www.myarnoldteam.com/quote) [![Request A Quote](https://no-cache.hubspot.com/cta/default/8185661/22553026-7a22-4dd6-a529-8d6be5f4959b.png)](https://cta-redirect.hubspot.com/cta/redirect/8185661/22553026-7a22-4dd6-a529-8d6be5f4959b) - [![Facebook ](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/facebook%20(1).png)](https://www.facebook.com/ArnoldCompany) - [![Linkedin](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/linkedin%20(1).png)](http://www.linkedin.com/company/arnoldcompany) - [![Instagram](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/instagram%20(1).png)](http://www.instagram.com/arnoldcompany) - [![Twitter](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/twitter%20(1).png)](https://twitter.com/arnoldcompany) © 2025 Arnold Insurance - Quick Links - [Home Insurance](https://www.myarnoldteam.com/home-insurance) - [Auto Insurance](https://www.myarnoldteam.com/auto) - [Commercial Insurance](https://www.myarnoldteam.com/commercial) - [Request a Quote](https://www.myarnoldteam.com/quote) [Contact 800-397-2427](tel:800-397-2427) [info@arnoldic.com](mailto:info@arnoldic.com) Headquarters [875 North Kingshighway Blvd Cape Girardeau, MO 63701 ](https://g.page/cape-aic?share) © 2025 Arnold Insurance - [![Facebook](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/facebook%20(1).png)](https://www.facebook.com/ArnoldCompany) - [![Linkedin](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/linkedin%20(1).png)](http://www.linkedin.com/company/arnoldcompany) - [![Instagram](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/instagram%20(1).png)](http://www.instagram.com/arnoldcompany) - [![Twitter](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/twitter%20(1).png)](https://twitter.com/arnoldcompany) [Phone](tel:800-397-2427) [Email](mailto:info@arnoldic.com) [Get A Quote](https://www.arnoldic.com/quote)