Protecting Your Home, Your Family & Your Future: Insurance Matters More Than You Think

Your home is likely one of your biggest investments—but are you truly protected?

This week, Cheryl Scheidell welcomes identical twin sisters Stephanie Schaffroth and April Schaffroth, local Farmers Insurance Agency Owners and trusted insurance advisors.

Stephanie has been serving families and business owners since 2004, while April has been helping clients protect what matters most since 2008. Together, they believe in educating—not selling—and helping people understand the difference between simply having insurance and being properly insured.

In this episode you'll learn:

• When a vacant home needs a different insurance policy
• Why simply filing a claim—even with no payout—can affect your insurance history
• The one insurance policy many people wait too long to purchase
• The one question every homeowner should ask their insurance agent this week
• Why "full coverage" doesn't always mean you're fully protected
• Why flood insurance is not automatically included in most homeowners policies
• Why your insurance agent should know about newly purchased jewelry and valuables
• Why renters insurance is important—even if you're renting temporarily

About Today's Guests

Stephanie and April Schaffroth are local Farmers Insurance Agency Owners dedicated to helping individuals, families, and business owners identify coverage gaps, eliminate unnecessary overlaps, and make informed decisions about protecting their homes, vehicles, businesses, and loved ones.

Their mission is simple: Educate first. Protect always.

Contact Today's Guests

Stephanie Schaffroth
Agency Owner – Farmers Insurance

34225 N. 27th Drive, Suite 112
Phoenix, AZ 85085

Office: (480) 483-6221
Fax: (480) 922-7280
Email: sschaffroth@farmersagent.com

Website: www.bestazinsurance.com

April Schaffroth
Agency Owner – Farmers Insurance

34225 N. 27th Drive, Suite 112
Phoenix, AZ 85085

Office: (602) 297-5155
Fax: (480) 922-7280
Email: april@schaffrothagency.com

Website: www.insuranceinaz.com

About Your Host

Cheryl Scheidell   NMLS#886425
Reverse Mortgage Specialist
Barrett Financial Group

Helping homeowners 55+ understand how home equity can become a powerful retirement resource.

Contact Cheryl:

Phone: 480-817-4324

Website: ReverseMortgageAndBeyond.com

Email:  cheryls@barrettfinancial.com

youtube:  @reversemortgageandbeyond

🎥 Subscribe to Cheryl's YouTube channel, @ReverseMortgageAndBeyond, for educational videos on reverse mortgages, retirement planning, Final Expense planning, interviews with trusted professionals, and practical resources to help you make informed financial decisions.

Whether you're exploring retirement options, looking to improve monthly cash flow, purchase your next home with a reverse mortgage, or simply want to learn more, Cheryl is committed to providing education first—so you can make informed decisions with confidence.

Remember: The right insurance and the right financial strategy work together to protect your home, your family, and your future.