Todd Markman

Proud to be a second-generation State Farm Agent and honored to be recognized as 🏆 Wilmette's Top Insurance Agency for 2026 and previously voted North Shore's Top Insurance Agency in 2018. With over 150 years of combined insurance experience, my team and I are committed to helping individuals, families, and small business owners protect what matters most. We’re available 24/7, 7 days a week to provide guidance and support whenever you need us.

🍂 September = Back-to-School, Back-to-Routine, and a Great Time to Review Your Coverage 🍂

As summer winds down, September brings big changes—new schedules, new drivers getting behind the wheel, and many families preparing for students to move into dorms or off-campus housing. It’s also a perfect time to make sure your insurance coverage still matches your life.

Have you recently moved, purchased a vehicle, updated your home, started a new job, or added valuable belongings? My team can help you review your Auto, Home, Condo, Renters, Life, and other insurance needs with a personalized plan designed for your situation.

🧡 September Is Life Insurance Awareness Month

When people think about insurance, their car and home often come to mind first. But your ability to provide for the people who depend on you may be one of your most important things to protect.

Life Insurance Awareness Month is a great reminder to consider whether your current protection matches your responsibilities today.

A life insurance review may be especially worthwhile if you’ve recently:

• Purchased a home

• Gotten married

• Welcomed a child or grandchild

• Changed jobs or income

• Started or expanded a business

• Taken on additional debt

• Experienced another major family or financial change

Even if you already have life insurance through your employer, it can be helpful to understand exactly how much coverage you have and whether it would be enough for your family's long-term needs.

If you’ve been searching for life insurance, our team can explain the available options and help you explore coverage based on your needs and budget.

🚙 Auto Insurance: Back to School Means More Time on the Road

School drop-offs, after-school activities, work commutes, sports practices and weekend trips can make September a busy month behind the wheel.

Your auto insurance should keep up when your household changes. We’ll help you make sure your policy is set up for the road ahead—without paying for coverage you don’t need.

Consider a review if:

• You have a newly licensed teen driver

• You recently purchased or leased a car

• You haven't reviewed your liability limits or deductibles recently

Our Northbrook team can also help identify eligible auto insurance discounts and discuss programs including Drive Safe & SaveTM and Steer Clear®.

🏠 Homeowners Insurance: Prepare Your Northbrook Home for Fall

September is a great month for home maintenance. Before colder Illinois weather arrives, many homeowners inspect roofs and gutters, service heating systems, trim trees, check fireplaces, and prepare outdoor plumbing.

It’s also worth reviewing your homeowners insurance.

Think about what's changed since your last review:

• Did you remodel a kitchen or bathroom?

• Finish a basement?

• Replace your roof?

• Upgrade plumbing, electrical, HVAC, or other major systems?

• Add a deck, patio, shed, or other structure?

• Purchase expensive furniture, electronics, jewelry, or artwork?

Keeping your policy information current can help make sure your coverage reflects your home today—not your home several years ago.

🏢 Renters & Condo Insurance: Protect Your Home Away From Home

September can also mean a new apartment, condo, or living arrangement—especially for young adults, college students, and people who moved during the summer.

If you rent, renters insurance can help protect your belongings and provide personal liability protection. Condo owners have different insurance needs than traditional homeowners, making a condo insurance review equally important.

We can help explain what your landlord's or condo association's insurance may cover—and where your own policy comes in.

☂️ Umbrella Insurance: An Extra Layer of Liability Protection

As your assets and responsibilities grow, you may also want to consider whether your underlying home and auto liability coverage provides enough protection.

A personal liability umbrella policy can provide additional liability protection above qualifying underlying policies. It can be particularly worth discussing for households with significant assets, teen drivers, multiple vehicles, rental properties, or other liability exposures.

Not sure whether you need one? We can help you understand how umbrella insurance works and whether it makes sense for your situation.

📍 Your Local State Farm Insurance Team in Northbrook

Whether you’re looking for an auto insurance quote, comparing homeowners insurance, considering life insurance, or simply want a second look at your existing coverage, our experienced local team is ready to help.

Our mission is simple: help people manage the risks of everyday life, recover from the unexpected, and prepare for the future.

📞 Call, text, email, stop by our Northbrook office, or connect with us online for a personalized insurance review or quote this September and don’t forget to check out our 5-star Google and Yelp reviews and follow us on Facebook or Instagram!

As a graduate of New Trier High School and the University of Illinois Urbana-Champaign, I take pride in serving families throughout Illinois, Indiana, and Wisconsin. My wife, Erica, and I live in Northbrook with our children, Mason, Sydney, and Leo. When I’m not helping customers, you’ll usually find me cheering from the sidelines at their baseball, softball, or basketball games.