October is here, bringing cooler mornings, changing leaves, football weekends, and that unmistakable feeling that fall has officially arrived. It’s one of my favorite times of year—and also a good reminder of how quickly the calendar moves as we head toward the holidays and the end of another year.
As life gets busier with school, activities, travel, and holiday plans starting to take shape, October is a great time for a quick financial and insurance check-in. Are you still on track with the goals you set earlier this year? Have there been changes in your family, home, vehicles, or finances that we should talk about? A little planning now can go a long way toward helping you feel prepared for what’s ahead.
Most importantly, I hope you and your family get a chance to enjoy everything this season has to offer. Wishing you an October filled with beautiful fall days, time with the people who matter most, and confidence knowing you’re prepared for whatever comes next.
Since 2010, I have proudly served as a State Farm Agent in Denver, NC. In November 2023, I was honored to expand our reach with the opening of a second office in Boone, NC. Our team is dedicated to helping families across North Carolina, South Carolina, and Tennessee protect what matters most and plan confidently for the future.
At the heart of our practice are core values: integrity, fairness, and meaningful, needs-based conversations. These principles guide every interaction and decision we make.
I am grateful to have been recognized as the 2021 Lincoln County Small Businessperson of the Year and the 2025 and 2026 "Normy" Award winner for Insurance in Denver. Our product offerings span a wide range of services, including:
Auto, Home, and Renters Insurance
Life and Health Insurance
Motorcycle, RV, Boat, ATV, and Golf Cart Insurance
Financial Services
State-to-State Transfers
Beyond business, I am deeply committed to giving back to the communities we serve. I have had the privilege of serving as President of the Denver Lake Norman Rotary Club and currently serve on the Board of the Lincoln County Coalition Against Child Abuse. I am also actively involved with SafeKids Lincoln County and serve as an Ambassador for the Blowing Rock Chamber of Commerce as well as Co-Chair the Blowing Rock Referral Team. Most recently I completed the Blowing Rock Leadership Challenge.
We are Proud Supporters of App State Athletics, and I am a proud graduate of The Ohio State University and remain passionate about providing exceptional service and support to my customers and community.
FAQ's:
Q: Can your office help review my current setup even if it's with another insurance company?
A: Absolutely. We offer complimentary reviews to evaluate your current setup, point out potential gaps or overlaps, and show you competitive rate options. Reach out to Rich Lyon in Boone to schedule a review.
Q: Does my personal auto protection extend to a rental car?
A: In many cases, your personal auto protection and deductibles extend to rental cars used for personal travel within the U.S. However, limits and exclusions can apply. Reach out to Rich Lyon in Boone before your next trip to confirm your specific details.
Q: Do safe driving telematics programs actually help lower rates?
A: Yes, participating in safe driver programs tracks driving habits like smooth braking, speed, and driving times to reward safe drivers with potential discounts. Contact Rich Lyon in Boone to learn how to sign up and start earning savings.
Q: What is loss of use protection on a homeowners account?
A: If a covered event, like a house fire, makes your home temporarily unlivable, loss of use protection helps pay for additional living expenses like hotel stays, temporary rent, and restaurant meals. Rich Lyon in Boone can explain how this essential feature keeps your daily routine going.
