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Wetzel Insurance Agency Blog

All You Ever Wanted to Know About Insurance

Make a Resolution

New Year's Eve is just under a week away, which means so are the resolutions that we are about to make. Whether you make a resolution or not, research has found that people who make resolutions are 10 times more likely...

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Last Minute Shopping

There's almost always some last minute shopping that needs to be done before Christmas is here. That isn't just true for your family either. It is true for most. That means that there is a lot of people out there...

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Insure Your Future

There are a lot of questions that come along with buying a home. People ask things like "What down payment will I need?" "How much can I afford to pay?" "What neighborhood is best for my family?" After all those...

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Take Advantage of Open Enrollment

Open Enrollment to get health insurance for 2017 is almost over. There are only two days left to apply before the deadline to enroll or change plans so that your coverage can state on January 1st. After that, you can...

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Deck the Halls...Safely

Most of us enjoy Christmas time. We love the lights, trees, and Christmas music that we just can't seem to stop singing. But before you lay out the cookies for Santa or rip open those presents under the tree, you...

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Burglary Prevention: Should You Leave the Lights On?

It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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When to Opt Out

Opting out of a health insurance plan that your employer offers is not uncommon for employees. Some people want to see a doctor that isn't offered through the employer's network or they can get better coverage from...

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Winter Driving Tips

Winters can be very cold and harsh in Indiana. The ice, snow, wind, rain, fog, and dark environment all contribute to hazardous road conditions, which many people don't really know how to drive safely in. However, it's...

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Gobble These Tips

There is a lot to be thankful for this Thanksgiving, whether it is family or a new job or a healthy life. However, there are still plenty of accidents that can happen this holiday season, whether you are traveling by...

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Do You Need Boat Insurance for the Winter?

Boating season has officially ended. This might mean that you are considering cancelling your boat insurance policy for the winter to save you a few bucks. After all, what could possibly happen to your boat while it's...

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What's Cropping Up

When you open a business, insurance is an essential aspect of it. It keeps you protected in case something catastrophic were to happen. Crop insurance works the same way for farmers. It enables them to get financing...

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Which Home Alarms Do You Need?

Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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Avoid Making Insurance Mistakes

Saving money is usually a good thing, and most of us try to save money at every possible turn. A big problem with this when it comes to insurance is that people try to save by reducing their coverage or dropping...

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Keeping Your Home Covered

You may not think that you live in a flood zone, but the truth is that you can lives miles away from water and still be at risk for flooding. In fact, nearly 25 percent of flood insurance claims come from moderate-to-...

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Offering a Benefit Package

If you are a smaller company that can't afford to offer employees a sizeable salary to make the decision to work for you, there are other options that you still have. Offering your employees, a sizeable benefit package...

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Creating a Home Inventory List

You should always make a list of all the assets you have within your home to be able to present to your insurance company just in case the need was to arise. You might be wondering why a inventory list of is important,...

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Renters Myths

It's common for people not to get renters insurance if it isn't required for where you rent. But all properties are susceptible to damages, whether it be a fire, theft, or even just a broken appliance. People don't...

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Penalties of Driving Without Insurance

Every state varies in the requirements they have for drivers. However, one thing that isn't different is that there are penalties that come when you are driving without insurance. These penalties can have steep and...

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Device Insurance: Cover Your Personal Electronics With the Policy You Already Have

It seems everyone these days has a smartphone. Or a smart TV, a tablet, or an ebook reader. Or all of the above – and more. When you add it all up, you may find you have thousands and thousands of dollars tied up in...

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You Need Business Insurance

There is always an element of risk in our lives, but that doesn't mean that we should be ignorant, especially when it comes to the things that we care about. Let's face it, your business is important to you. You worked...

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Don't Avoid the Unexpected

Let's talk about life insurance. I know, I know. It's not something that anyone ever really wants to talk about. It's not interesting and it doesn't bring any "fun" benefits. However, when you talk to an expert about...

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Prepare for the Horrors

Halloween brings a lot of good things like pumpkin carving, cute kids in costumes, and haunted houses. However, sometimes the celebration gets a little out of hand and this is something that all homeowners should...

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8 Reasons to Purchase Homeowners Insurance

Buying a home is one of the biggest expenses a person makes. It's important to protect this expense in any possible way that you can. The single most important protection that you can put on your house is to purchase...

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How to Deal With Road Rage

Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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Safety Tips for Your Summer Swims

When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for...

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7 Factors that Can Affect your Home Insurance Rates

Security: Having a security system in your home can mean discounts on home insurance as well as giving you added peace of mind. Simply having deadbolt locks on your doors will lower your rates as well. Keep in mind...

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Safety Tips for Summer Thrill Seekers

The family summer vacation is a time-honored tradition, and it often includes a trip to one of our country’s incredible amusement parks. But, while the rides and other attractions at these parks are typically safe, it...

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Homeowners Insurance: “Going Bare”

The state of our economy in years past has not been very promising for homeowners. Many people have taken a hard look at their homeowners insurance bill and wondered if they could manage without it. While this is a...

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What Should Go in Your Home Safe (or Safe-Deposit Box)?

Spring has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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5 Reasons to Use an Independent Insurance Agency

There are couple different ways to buy insurance products: directly from the insurance companies themselves and through an independent insurance company that offers products from those companies. While "cutting out the...

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Homeowner Insurance: Defining ‘Named Perils’

Every homeowner insurance policy has different coverage. When choosing one of these policies, be sure to check into what is covered and what is not. The difference between an open perils policy and named perils...

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Homeowner Insurance: Vacancy and Occupancy

There are different reasons why homeowners purchase a home. Sometimes they might want to raise a family; other times they purchase the home planning to rent it out to others or use it as a vacation home. Whatever...

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How to Successfully File a Home Insurance Claim:

When there is damage done to a home through a fire or other disaster, many homeowners do not know what they need to do to file a claim. Here are the five steps to need to take when filing for your home insurance claim:...

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The Type of Fire Extinguisher Every Home Should Have

A fire is a fire, and a fire extinguisher is a fire extinguisher, right? Well, not quite. There are actually different types of fires and different types of extinguishers that respond best to each one. So, which is...

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Personal Property Coverage

Everything in your home that is not nailed down is called "personal property." These things are a part of Personal Property Coverage (Coverage C) on your homeowners, condo, or renters policy. If there were to be a...

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Home Insurance and Fire Extinguishers

Fires occur more often than we would like them to. In 2014, there were 494,000 structure fires, causing 2,860 civilian deaths, 13,425 civilian injuries, and $9.8 billion in property damage. It was estimated that one...

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Homeowner's Insurance- When to file a claim

It happens. A rough storm knocked a tree limb into your home, your house catches on fire, or a burglar breaks into your house stealing some of your valuables. This is why it is good to have a homeowner's insurance...

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Terrifying Termites- Does your Homeowner's Insurance Policy Cover Them?

Insects are not a very popular creature in the animal kingdom. One of the least favorite of these for house owners are termites. These little villains can cause tremendous damage to homes, eating tunnels throughout...

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Flooding through the Cracks of Homeowner's Insurance

Ah spring, the season of love. Unfortunately, that is not the only thing that comes with the spring season. Spring is also one of the most common times to see flooding. Flooding can cause large amounts of damages to...

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Navigate Rainy Roadways With Care

It’s just rain — how much impact can it really have on your driving? The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after...

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Home Insurance for Second Houses

A second home is often used for vacationing or getting away from the everyday life. They are used to make us feel relaxed and stress-free. This is why having home insurance on your second or seasonal house is necessary....

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Auto Insurance- Indiana's Possible Changes

Drivers need to know what they are paying for and what type of coverage they are going to see from auto insurance companies. Hoosiers, especially in northern Indiana, are often driving back and forth to Illinois. While...

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Home Maintenance Checklist for Spring

About this time of the year, the snow melts and reveals what the outside of houses look like. The winter months can take a toll on roofs, trees, and driveways or walkways. Make sure your house is structurally sound and...

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Identity Protection Tips for Tax Season

What’s the most important number for you this tax season? The amount of your refund? The amount you owe? The number of hours spent poring over all the other numbers? All of those are pretty important, but none of them...

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What to Do After a Car Accident in Winter

Freezing temperatures, gusts of wind, patches of ice – winter can be a horrible time to be on the road, especially if you’re on vacation and aren’t used to driving in winter conditions. And, it’s an even worse time to...

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How to Avoid Animal-Vehicle Collisions

About 2 million times every year, animals and cars collide on U.S. roadways — often causing serious and even fatal injuries to drivers and passengers, along with about $1 billion in damage, according to the U.S....

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