The recent flooding we’ve seen downstate in Central Indiana has been devastating. After unprecedented rainfall, many homeowners found themselves dealing with significant water damage — and unfortunately, many are finding out that standard homeowners insurance doesn’t cover flooding. One report…
“Good news! Your roof has storm damage. Insurance is going to buy you a brand-new roof!” If you’ve owned a home in Indiana for any length of time, you’ve probably heard that pitch. A big storm rolls through, and within…
One of the most common questions we get after a storm is: “A tree fell in my yard. Is it covered by my insurance?” Like most insurance questions, the answer is: it depends. If the Tree Falls and Hits Your…
When severe weather rolls through Indiana, most homeowners have the same question: “What do I do if my home gets damaged?” As an insurance agent, I’ve helped hundreds of homeowners navigate storm claims. The biggest mistake I see isn’t necessarily…
Most homeowners don’t spend much time thinking about their deductible—until they have a claim. Recently, I met with a homeowner who learned this lesson the hard way. She was insured with Indiana Farm Bureau and received a letter stating that…
When protecting your home, choosing the right dwelling coverage is crucial. Here, we’ll explore three main types of coverage: Guaranteed Replacement Cost, Extended Replacement Cost, and Replacement Cost. We’ll also highlight why Guaranteed Replacement Cost is the best option and…
In the realm of home insurance, there’s a common misconception that standard homeowners’ policies cover every possible peril that could befall your abode. Unfortunately, one crucial area often overlooked is water and sewer backup coverage. Many homeowners are unaware that…
Have you noticed a spike in your insurance premiums, leaving you puzzled? You’re not alone. Here are a few reasons why your insurance costs might have increased, even if you haven’t filed a claim: Industry Trends: Changes in the insurance…
