Unfortunately, many people wrongly assume that auto and umbrella insurance policies will provide reimbursement for all aspects of an accident on the road. Instead, both of these policies cover your own liability and provide compensation to others in the event that you are responsible for an accident. However, if another driver causes an accident and doesn’t have enough insurance coverage to […]

While it’s difficult to pinpoint the monetary consequences of the risks you and your family take each day, are you certain your current liability insurance offers you enough protection?  The Basics of Personal Umbrella Liability Policies  If you are found to be legally responsible for injuring someone or damaging their property without umbrella coverage, anything beyond […]

Spring brings not only April showers to Indiana but also greater chances of high winds, lightning strikes and other forms of severe weather. Any type of storm damage is certainly an inconvenience and increases the likelihood that storm chasers will show up in your neighborhood. These individuals see the aftermath as an opportunity to scam […]

As we age and reach different milestones in our lives, our insurance needs change. In order to ensure adequate coverage, contact your insurance advisor if you’re affected by any of the following life events: New Home Ownership— Purchasing a new home is a big investment—one that you will want to protect. After purchasing a home, […]

We’ve gathered the answers to the most common “Am I covered if…” questions about your homeowners insurance policy to help you minimize any coverage surprises. The best time to learn about what’s included in a basic homeowners insurance policy is before you have a claim. Common Homeowners Insurance Questions 1. What property and perils are excluded from […]

Auto insurance is meant to protect you by covering your bills after an accident. However, the amount of compensation can vary greatly depending on the type of auto claim that’s made by insurance carriers and the value of your vehicle. The decision to have your vehicle repaired or declared a total loss directly impacts how […]

Uh oh, you just got into a car accident on your way to run a quick errand. What should you do now? Stay calm and read on to learn how to react to make sure that the process goes as smoothly as possible. 9 Tips to Remember After A Car Accident Get out of your […]

The first thing that most seniors considering health care ask us is, “Which is best: Medigap vs Medicare Advantage.”  Before we can answer the question, however, we want to discuss how each product works because they are drastically different. What is Medigap and Medicare Advantage? Medigap Medigap refers to a group of supplemental insurance plans […]

When it comes to money matters, no one likes to be surprised by the feeling that they’ve been shortchanged. That’s why it’s important that you understand how your insurance policy responds to potential personal property losses. When insuring your personal possessions on your homeowners or renters insurance policy, you have one of two coverage options: […]

Just a single inch of water from flooding can cause costly damage to your home. Here’s what you need to know about insuring against damages caused by flooding. What Protection Does it Offer? A standard homeowners policy does not cover flood damage. A separate flood policy is needed to cover losses to your property caused […]