Fires are one of the most expensive disasters that can happen to your home. It is something to be avoided at all costs, and you should be especially careful during the holiday season. Christmas lights are magical, but...

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Nearly everyone values saving money, and this sentiment transfers towards insurance savings as well. Yet accomplishing this feat by skimping on coverage and not having enough insurance to cover the cost of replacing...

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Typically your homeowner insurance policy will cover your home and your belongings against fire damage. Most policies include coverage to help pay for replacing your home and the contents. This is incredibly important...

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The end of the year is a great time to have your commercial insurance policy reviewed and updated if needed. Having the proper insurance for your business is crucial for the stability of a company. Businesses usually...

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From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern home is a “perfect storm,” according to safety consulting and...

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Weather related incidents account for over 50% of all homeowners insurance claims filed in the United States. This includes pipes freezing and bursting, roof leaks, ice damage, wind damage, hail, etc. Thankfully here in...

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Cold weather for many people means warming up the car and shoveling snow. But it is also deer season and the chances of you hitting a deer while driving goes way up during the cold months of the year. But there are some...

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Liability car insurance is required in all 50 states in the US. But this hasn’t always been the case. Have you ever wondered how auto insurance came about? Here is a brief history of auto insurance. The first product...

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It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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Halloween is over, and that means Thanksgiving is the next holiday on our radar. This time of year is always special, thanks to spending time with family and lots of wonderful food. Although Thanksgiving is still nearly...

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A large portion of the American population doesn't actually park their cars in the garage. They use their garages for storage. This isn't necessarily a bad thing, but it does mean that you could be missing some coverage...

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In most states, if your home is paid for, you aren't required to have homeowners insurance. However, it is usually much more expensive to not have insurance, and here are 3 reasons why: Future Insurability Many...

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One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could...

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If you are in an accident and are at fault, your insurance company pays for the damages to the other person's vehicle and bodily injury (if any). If you have collision coverage, the cost of repairs for your own vehicle...

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Winter is a popular time of year to go to Florida. Many people take an RV down to stay at one of the many campgrounds. Whether this is your first RV or you've owned one for many years, there are some aspects of an RV...

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Fall is here, which is the favorite season for many people, but after fall comes winter. There are many actions you can take to prepare for colder weather, and prevent some common claims that sometimes hurt your premium....

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As you have probably seen, the southern part of our country is experiencing large destructive hurricanes. Tropical storm Harvey flooded an enormous area around Houston and hurricane Irma is currently a couple days away...

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That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice. With the summer heat ratcheting up, you may be coming down with a...

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Nearly every business in the world uses computers, and most use them for nearly everything. From book keeping to payroll, to storing files. There is a huge amount of important information stored on computers, and...

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It's back to school season! Do you have teens starting college for the first time? This is a new stage in life for you college student. While it may be fun for them, it can be stressful for you as a parent. To reduce...

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Auto accidents are stressful, and usually unexpected. Even the best drivers can be involved in an accident because of another driver. If you are in an accident, do these things to make sure everything goes as smoothly...

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Business or commercial insurance is needed for every business. It protects business owners and employees from a wide-variety of scenarios. From protecting general contractors against injuries on the job, to protecting...

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As a busy homeowner, it's easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects...

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Many people have a good understanding of homeowners insurance, but here are 10 common myths about home insurance that are easy to fall for. Myth #1 Flood Damage is Covered Under your Home Insurance Policy This is a very...

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We are in the middle of the summer right now, and with the wonderful weather, we are able enjoy the local lakes! In Kosciusko County, there are dozens of lakes. That means lots of boating, especially on the weekends....

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There have been some large storms in the northern Indiana area over the last few weeks. With wind speeds over 60mph, many homes were damaged. Your homeowner's insurance policy is there to protect your home in the event...

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With all of the large storms we have had over the last week or two, we thought it would be good to address how to protect your boat! Although nature can be unpredictable, here are some ideas on how to keep your boat...

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A fire can be devastating to both a home and a business; however, many fires can be prevented by having easy access to a fire extinguisher. Many people have fire extinguishers, but often times they are old and no longer...

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Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many...

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Everyone lives very busy lives, so it can be easy to push things off that need to be done. When it comes to your house, many of those things can benefit the value of your home in the long term. Preventive maintenance...

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Have you ever hired a subcontractor to do some kind of work or service for your company? If you have, then you probably know that transferring risk is vital to protecting your business. When you hire a subcontractor to...

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Purchasing homeowner’s insurance is a big part of buying a home and are many things to consider when you’re ready to purchase it. Here are four of the most important things to consider when purchasing homeowner’s...

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It is finally warm enough to get outside and enjoy the beautiful weather. For some people, this means hitting the trails with their ATVs and other off-road vehicles. These can be a blast, but before you head out there,...

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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During Memorial Day weekend, Missouri experienced a hail storm that included baseball and grapefruit-sized hail! Thankfully no one was injured, but hail of this size (or just about any size) can cause large amounts of...

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Renters insurance... who needs it? You only need insurance for something you own, right? If you are not the owner of the home, why would you need renters insurance? Here is quick sneak peak for why you should have...

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Being involved in a car accident is never an enjoyable experience, and we all hope it never happens to us. Possibly even worse than an accident, is a hit and run. Many of these include a parked car. Often, someone will...

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With all of the horrible flooding in some areas of the Midwest, we thought it would be a good time to talk about flood damage. Put simply, your homeowner’s insurance policy does not cover flood damage. You must have a...

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Apartment living can have many advantages: low maintenance, close to work and entertainment, and ease of changing residence. But, if you’re a dog owner, apartment living can present some difficulties. You probably won’t...

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Homeowners insurance is not required by law on every home, but most mortgage companies and banks will require you to have homeowners insurance. They want to protect the investment they made in your home, and if it...

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Spring and summer are great times to take a vacation. As summer is nearing, you might be planning to travel out of town. Here are 4 tips you can use to keep yourself safe while you are away. Keep your Home Safe and...

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Warm weather is upon us. With summer just around the corner, people are starting to get their boats ready for the season. There are 75 lakes in Kosciusko County alone and many more in the surrounding areas. Boating is a...

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By now probably most of you know that driving without insurance is against the law, but do you know that consequences that come along with it? You might think that you are saving yourself some money by not getting...

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In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered? Unfortunately, we live in a world of lawsuits. Large damages can be...

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Yes, it's illegal to drive without insurance, and it's true that people are getting better about getting insurance on their vehicles these days. But trust me, it still happens. We have seen the devastating consequences...

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House fires are not something that we generally want to think about, but they are a serious possibility. The National Fire Protection Association reports that there are as many as 400,000 fires that happen in the United...

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Tax season is among us, though thankfully it is almost over, but there has been one thing that I have noticed over the years. Taxes are a headache, yes. If you're like me, you don't like paying that extra charge to have...

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Most people don't have a clue when their water heater is about to fail. This can be a serious issue considering if your water heater does fail, you can have some serious water damage that comes along with it, which also...

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A good majority of people enjoy older homes, and why not? They come with character and charm that just aren't present when you buy a newer house. They just seem to have their own personality. Older homes also tend to be...

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Mother Nature hasn't exactly been consistent this year, but don't be fooled, the weather will heat up. When she does decide to heat up, you might realize that she left your yard in need of a major spring-cleaning. Here...

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Spring is well on its way, which means that you so are all of those Spring cleaning projects around your home. You probably clean out the fridge in your home on a semi-regular basis, but the story might be different for...

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Talking to Your Teen About Safe Driving When teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:Car...

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After experiencing month of snow and cold, people can't wait to get away on a spring vacation. Even though this winter has been mild in Indiana, people can't wait to experience a place with warmer climate. If you are...

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There are many myths and misconceptions out there about what is and isn't true about home insurance. If you own your own home or are thinking about purchasing one, you need to learn all the facts to make sure that you...

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Today is the day many of us will be giving gifts to the people that we care about. It might be chocolate, flowers, clothes, or jewelry, but whatever it is, you need to make sure that you are taking the appropriate steps...

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The winter isn't always the happiest of times for people. While some people find the cold to be an excuse for warm blankets and hot chocolate, others see it as a sad time of year. The sun hides behind the clouds, the...

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You’ve heard all the talk about driverless cars. Yet we’re still years away from living in a world where you can just tell your car where to go and then kick back and relax with a book or your phone. Even still,...

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When you are about to get married, there are a lot of things to consider. While you might be thinking about things like flower arrangements, wedding receptions, and vows, you might not be considering the important...

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Nowadays it is a legal requirement in almost every state to carry some sort of proof of car insurance when you own or operate a vehicle. While the laws of how much coverage you need vary from state-to-state, you will...

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There are thousands of Baby Boomers that are aging into Medicare every single day. That's a lot of people all of the sudden looking for information about Medicare that they might not know anything about. This makes it...

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Don't fall in love too fast. I know, I know. I probably sound like your mother when you were a teenager and brought home your first boyfriend or girlfriend. However, you need to face the facts. While your boyfriend or...

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No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If so,...

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