Buying your first home is filled with excitement—but let’s be honest, it can also be a little overwhelming. That’s why Lisa Hempen of JGP Insurance Group has made it her mission to empower and educate first-time homebuyers so they can feel confident in protecting their investment.
With a background in education and years of experience as a trusted local insurance agent, Lisa approaches insurance conversations like she would a classroom—making sure her clients not only get the coverage they need but understand why they need it.
An Educator at Heart: Breaking Down Insurance for First-Time Homeowners
Lisa knows that most first-time homebuyers are laser-focused on square footage, floor plans, and paint colors—but when it comes to homeowners insurance, many feel lost in a sea of unfamiliar terms.
“They can tell me about their bedrooms and yards, but when I ask what their policy covers, I usually get blank stares,” Lisa laughs. “That’s where I put my educator hat back on.”
Her passion for teaching shines through as she patiently breaks down topics like:
- Replacement Cost vs. Market Value – “It’s not about what you paid for your home; it’s about what it will cost to rebuild it.”
- Umbrella Policies – “An extra layer of protection that could save your financial future if something unexpected happens.”
- Loss of Use Coverage – “If a fire or storm forces you out of your home, you’ll want to know how you’ll pay for a place to stay.”
Lisa’s goal is simple: no jargon, no pressure—just clear, honest conversations that help homeowners make informed decisions.
Personal Experience That Hits Home
Lisa’s dedication to making sure clients understand their policies isn’t just professional—it’s personal. She recalls the time when her own aunt’s home burned to the ground, leaving the family in shock.
“Even as an insurance agent, watching my aunt scramble to figure out her coverage in that moment was heartbreaking. You don’t want to be learning what’s covered after a disaster—you want to know ahead of time,” Lisa shares.
That experience drives Lisa to make sure every first-time buyer she works with fully understands their coverage long before they ever need to use it.
A Local, Down-to-Earth Approach
Lisa’s love for teaching extends beyond policies. She’s rooted in the local community, often presenting on financial literacy or connecting with new homeowners through partnerships and events in the Collinsville-Triad area.
She even draws parallels between her professional work and her favorite hobby—gardening.
“Gardening and homeownership have a lot in common,” Lisa says. “You plant roots, nurture them, and protect what you’ve built. I see homeowners insurance the same way—it’s about protecting what matters most.”
In fact, when she’s not helping new homeowners, you might find her tending to her heirloom flowers or sharing stories about her adventure with an overgrown moonflower garden (ask her about it—it’s a great one!).
Why First-Time Homebuyers Choose Lisa Hempen JGP Insurance
✔️ Clear, educational approach—no jargon, no pressure
✔️ Broker access to multiple carriers for the best coverage & rates
✔️ Deep local expertise in the Collinsville, Maryville, Troy, and O’Fallon communities
✔️ Personal attention and support—even after the policy is signed
Lisa’s focus isn’t on selling—it’s on empowering new homeowners to feel confident and protected.
“I want every client to walk away saying, ‘I finally understand what I’m paying for—and I know my family is covered,’” she says.
Ready to Protect Your First Home?
If you’re about to buy your first home—or want to double-check that your current coverage is truly protecting your dreams—Lisa Hempen at JGP Insurance Group is ready to help.