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Fall is here—so it’s officially time for cozy vibes, fall festivals, and spook-tacular fun! 🍁🧡 And with Florida cooling down just enough for that “still sunny, still warm” feeling, it’s a great time to do a quick insurance refresh before October gets busy!

👻🎃 Halloween & seasonal reminder: With fall festivals, more evening outings, trick-or-treating, and holiday decorations in the mix, it’s easy for everyday risks to pop up fast—like more traffic near events, crowded parking lots, and visitors at your home.

✅ A quick check of your Home, Auto, Renters, and Life coverage helps you stay protected all season long.

🏮🍂 Fall festivals & decor safety tip: From pumpkins and lights to inflatable décor and yard setups—make sure you’re covered if the unexpected happens (and keep decorations secure in breezy weather!). 🍂✨🏠

🚗🎃 Trick-or-treat travel tip: Autumn evenings can mean earlier dark and sudden weather changes—so double-check your auto coverage and be ready for the road (and the extra stops). 🌧️🛻

🌀🍁 October heads-up: Even in October, storm season can still surprise us—so confirm you have what you need. 🌧️🌀 • Afternoon storms can bring flooding—review deductibles and home details. 💧🏠 • Keep auto safety in mind and stay prepared with emergency supplies in your car. 🧊🆘

📚✨ Quick tip: Do one fast insurance review now—so you’re not scrambling later.

🍬 Wishing our friends and community an October full of sweet treats, safe fun, great fall festival memories, and a wonderful season! 🍬

❤️ Joe Sarrio State Farm | Olive Branch, MS

Brooke and I have been married for 18 years and are proud, long-time residents of Collierville. I’ve built my career and community involvement on the same commitment to serve with integrity, communicate clearly, and deliver dependable results.

I’ve spent the past 18 years in the insurance industry and operate two convenient locations—Collierville, TN and Olive Branch, MS. I’m a 1999 graduate of Collierville High School and earned my B.A. in Marketing from the University of Memphis. I opened my agency on January 1, 2006, guided by a simple principle: provide coverage and guidance people can truly count on.

Outside the office, I enjoy traveling and making lasting memories with my family. Brooke and I are blessed with 16-year-old twin sons/daughters—Lucy, who loves travel cheer, and Charlie, who enjoys hunting and fishing. Our youngest, Grace, plays lacrosse and loves spending time with friends.

I’m also active in the Collierville community through Main Street Collierville (President, 2017; Board Member, 2015–2017), the Town of Collierville Design Review Committee (2013–2014), the Collierville Chamber of Commerce, and the Collierville Rotary Club (member since 2013; Secretary, 2019–2022). Our family is also active in the Powell Road Church of Christ.

At the heart of everything I do is a clear mission: build lasting relationships through attentive service, clear communication, and a solution tailored to each individuals needs. Whether you’re looking for Auto, Homeowners, Condo, Renters, Life, Disability, Pet, or Business Insurance—or guidance as you plan for what’s next—I’m here to help every step of the way.

Proudly serving Tennessee, Mississippi, Arkansas & Alabama. We provide the hometown service you deserve when you move to Collierville, Germantown, Cordova, Memphis, Piperton, Rossville, Eads, Nashville, Jackson, Olive Branch, Southaven, Jonesboro, Little Rock, Heber Sprin and the surrounding areas.