Wetzel Insurance Agency Blog

All You Ever Wanted to Know About Insurance

Is your home as efficient as it could be? An energy audit can tell you

Drafty windows. Leaky faucets. Dirty air filters. All are common issues in homes across the country, and they’re not just annoying-they also cost you money in decreased energy efficiency and higher bills. The U.S....

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Keep Pets Happy and Safe on Vacation

You’re not just imagining it—a lot of people are traveling with their pets these days. According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and...

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Five Common (and Potentially Costly) Homeowner Mistakes

Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up-whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time...

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Five Ways to Protect Your Personal Electronic Data

Online data breaches are just an unfortunate fact of life now-as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. That’s why we...

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Let's Keep Our Lawns and Ourselves Safe

For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for...

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6 Tips for Getting to Work on Two Wheels

Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a ton of...

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Essential Safety Tips for Nighttime Boating

If you own a boat (or better yet, as the joke goes, you know someone with a boat), you’ve probably thought about spending some evenings on the water - especially in the summertime. It’s a great thought, of course. But,...

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Summer Driving Tips

Summer’s almost here. The sun will come out of hiding, and people will, too. As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and...

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Protecting Your Home: Understanding Your Home Insurance Policy

As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more...

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Do I Need to Tell My Insurance Company If My Dog Bites Someone?

You probably don’t think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize-4.5 million occur every year in the U.S., according to the Centers for...

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Protect yourself from Carbon Monoxide at Home and at Work

Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning-and the invisible, odorless gas sickens thousands more. The numbers seem...

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Insuring Jewelry: How to Know if Your Coverage is Enough

A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However, calling...

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4 Disasters that Your Home Insurance Policy Won't Cover.

Most people don’t understand every element of their homeowner’s insurance policy. Insurance can be complex and having a good insurance agent is helpful in understanding your policy. This is why you need an agency that...

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What is a Certificate of Insurance?

We often get asked if a certificate of insurance is actually necessary. The short answer is, yes! Especially if your business uses outside contractors or vendors for pretty much anything. This would include snow removal,...

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Tips for Buying a Safe Car

You’ve heard all the talk about driverless cars - but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone)....

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Winter Driving Tips.

The Midwest usually experiences a large amount of snow every year, and while many have spent most of their lives driving in snow, it is a great idea to have a refresh on driving in the snow. Plus judging by the number...

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Christmas Light Safety.

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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How to Save Money on Homeowners Insurance.

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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What is Covered in the Event of a Fire?

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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How to Plan for a Commercial Insurance Review

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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Why Today’s Homes Burn Faster

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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The Most Common Homeowners Insurance Claims

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...

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How to Avoid Hitting a Deer.

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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The History of Auto Insurance

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...

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How to Lower Your Auto Insurance Bill

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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Prevent Fires on Thanksgiving

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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How to Insure your Garage

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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3 Reasons Why You Need Homeowners Insurance

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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Do You Need Umbrella Insurance?

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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Insurance for Car Rentals

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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RV Insurance Premiums

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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Preparing Your Home For Fall and Winter

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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Preparing For a Storm

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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Three Ways a Pool May Affect Your Homeowners Insurance

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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Cyber Liability Insurance

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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Insurance for College Students

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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What to Do After a Car Accident

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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Common Commercial Insurance Myths

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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Easy to Forget Cleaning Projects

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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10 Common Myths About Home Insurance

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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7 Boating Safety Tips

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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Common Insurance Claim Mistakes After Storms

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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Protecting your Boat

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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Fire Extinguisher Tips

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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Heavy Rain? Be on the Lookout for Heavy Damage

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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Preventative Maintenance: How to Keep the Value of Your Home

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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Transferring Risk

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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4 Things to Consider Before Purchasing Homeowner's Insurance

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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ATV Insurance Coverage

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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Want a Safer Home? Consider these Inexpensive Fixes

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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Hail Damage Insurance Coverage

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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Why Should I Have Renters Insurance?

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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What To Do in a Hit and Run Accident

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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Do You Need Flood Insurance?

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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Help Your Dog Love Apartment Living

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: To Have or To Have Not?

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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4 Tips to Keep your Home Safe During Vacation

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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Boaters Insurance

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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Penalties of Driving Without Insurance

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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Love Bites – Get Umbrella Coverage

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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Importance of Uninsured Motorist Coverage

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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Common Causes of House Fires

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...

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Overlooked Tax Deductions

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...

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Failing Water Heater

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...

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Potential Problems of Older Homes

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...

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Getting Your Yard Ready

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 Cleaning the Office Refrigerator

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...

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Teen Driving Safety

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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Staying Healthy Before Vacation

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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Home Insurance Myths

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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Insuring Your Valentine's Day

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...

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Battling the Winter Blues

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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Car Shopping With Safety in Mind

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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Insurance Tips for Getting Married

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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Understanding the Basics

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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Understanding Medicare

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...

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Don't Fall in Love too Fast

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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7 Driving Habits That Are Bad for Your Car

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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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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Thrifty Security: Burglar-Proof Your Home for the Holidays

It's not unusual, when you set out on that holiday trip, to look back at the house a little nervously. Sure, you remembered to lock the doors, but just how secure are things? What might happen while you're away?One way...

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Safe, Secure Shopping: Tips for Black Friday

It's become almost as much a part of Thanksgiving as turkey and football: Black Friday, the morning-after (or in some cases evening-after) shopping spree. It's the biggest shopping day of the year, an event in its own...

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Your Home Maintenance Checklist for Fall

Fall brings more than just changing leaves and shorter days. In many areas, it also comes with a shift in weather conditions that can have a serious impact on your home. And, don’t forget, winter is right around the...

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4 Ways to Help All Children Have a Great School Year

It's back-to-school time, and, if you have school-age children, your household is likely bustling with activity and filling up with books and backpacks. There are other households and school districts in your community,...

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Biased Tips for a Great Life

Below is a completely biased list of tips to better help you live a great life. Some are common and mundane while others are more strange. However, they're all tied together in that they will, I believe, help you live a...

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Customer Appreciation Day In Warsaw

Today, August 14, is Customer Appreciation Day at the Warsaw Office. Stop by between 11 and 2 to enjoy free food with the entire Wetzel team. We look forward to seeing you!

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Disaster-Proof Your Business: An Insurance Checklist From The I.I.I.

Below is an article published by the Insurance Information Insitute that details how you can help ensure that your business can survive any disaster. Every year businesses temporarily shut down-or close forever-...

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Keep Cool While Keeping Your Energy Costs Down

Two thirds of households in America have air conditioners, according to the U.S. Department of Energy — and they spend a total of $11 billion each year running them. Our guess is that most of those households (which...

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North Manchester Customer Appreciation Day

Today, August 7, is customer appreciation day at the North Manchester Office! Stop by between 11 and 2 for free food! There will be hot dogs, brats, burgers, chips, cookies, potato salad, and much more! We look forward...

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Recommendations

"I just wanted to tell you, I received excellent service at Wetzel Insurance the other day when my windshield was broken - with Regina Lee Ferguson." -Wendy Venable "I just wanted to take a moment and Thank You for all...

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Wetzel is a Best Practices Agency

Wetzel Insurance Agency, Inc. has retained its status as part of an elite group of independent insurance agencies around the United States participating in the Independent Insurance Agents & Brokers of America (...

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Insurance 101 - Insuring Your Valuables

Central's video Insurance 101: Insuring Your Valuables (Scheduled Personal Property) is now available. In this video, Central Insurance explains that a standard homeowners policy offers only limited coverage, if any,...

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Risk Tip: Monitor Worker Heat Exposure

Risk Tip: Monitor Worker Heat Exposure With the hottest months of the year upon us, heat-related illness poses an increased concern on construction projects. As temperatures and humidity levels rise, contractors must...

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Thank you letter from Kosciusko Board of Realtors

We have long been a supporter of the Kosciusko Board of Realtors. This year we helped them raise over $9,000. Attached here is a thank you letter from them.

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Take our clients word for it - we know insurance!

Below are even more testimonials from Wetzel clients. At Wetzel, we take an immense amount of care to ensure that we help our clients as much as we possibly can. "I have heard and seen the many invitations to go online...

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Testimonials!

We take a lot of pride at Wetzel in helping our clients in every possible way that we can, ensuring that they have the right insurance for their needs. Below are several testimonials from our clients. "I recently...

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Interview with Doug Ault

The below interview is with Doug Ault. Doug has been in the insurance industry for a long time and has an immense amount of knowledge. He manages commercial accounts from the Warsaw office. WHAT DID YOU DO BEFORE...

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Tips for a Safe Fourth of July — From Food to Fireworks

Memorial Day might be the unofficial start of summer, but Independence Day is when the season truly kicks into high gear. July 4 is a holiday that has something for everyone, whether you like to host (or attend)...

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Fourth of July Safety

The Fourth of July is a great time to celebrate and have a good time with friends and family. However, activities commonly associated with celebrating it also pose a great number of hazards, such as grilling, bonfires,...

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Insurance Myths (Part II)

This is a continuation of the previous post titled "Insurance Myths." There are a great number of myths, most of which are false, about insurance. This post will shed some light on some of these insurance myths,...

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Insurance Myths

There are a great number of myths, most of which are false, about insurance. This post will attempt to shed some light on some of these insurance myths. Myth: Color determines the price of auto insurance. This is not...

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Top Insurance Regulatory Trends

The article below was published in the Wall Street Journal's CFO Journal by Deloitte. It is an interesting read. The regulatory landscape for the insurance industry will likely remain challenging and uncertain for...

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Feed Delivery Biosecurity for Control of Disease

The recent introduction of H5N2, a strain of Avian influenza, to the United States presents a new challenge for the poulty industry. Infection is lethal to turkeys and chickens and can create tremendous financial losses...

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Extreme Heat

We all know how important it is to be safe in extreme heat. This is such an important act that even some laws cover it. For example, leaving a child in a car in extreme heat can be considered child abuse. Extreme heat...

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Safety for Boating, Swimming, and Fireworks

Now that summer is here, so are a whole host of summer activities. These include boating, swimming, and fireworks. However, despite their fun, these activities often have inherent risks which should be mitigated to as...

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Commuting by Bike: How to Get to the Office on Two Wheels

There are plenty of great reasons to bike to work: Commuters who ride save money on gas and car insurance, stay fit and help the environment (they don't get stuck in traffic, either). And they even have fun - as long as...

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Getting Your Boat Out of Storage and Into the Water

Spring is here, and you’re ready to get out on the water. But is your boat ready? Even if you’ve kept it properly stored for the winter and protected from the elements, there are still a number of things you need to...

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Spring Into Home Maintenance Mode in Indiana

Spring is a time for rejuvenation, and, as the weather gets warmer here in Warsaw, Indiana, and the days grow longer, there's a positive energy in the air. Many people decide it's the perfect time for reorganizing and...

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How to Create Your First Garden This Spring

From genetically modified crops to the environmental and health effects of pesticides, more and more Indiana residents are questioning whether they should grow what they eat. Wherever you stand on the issues...

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Helping Seniors Have a Wonderful Winter

Slippery sidewalks. Freezing temperatures. Power outages. Winter isn't always a wonderland. If you regularly lend a hand to a senior friend or family member here in Indiana, it may be a good time of the year to provide...

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The Right Tires for Winter Driving

It's easy to forget about your tires when it comes to vehicle safety. But with winter weather already in many parts of the country, tires are an important aspect you should keep in mind. Your tires can be the...

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Holiday Safety Tips for Your Four-Legged Friends

As a nation, our pets are like family, so let's make sure they enjoy the holidays with us while staying safe. As a general rule of thumb, always keep pets on a regular routine, even during the holiday season. Don't let...

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Make Home Safety a Priority While You’re Away for the Holidays

The holidays can be a great time to get out of town to visit family you rarely get to see, hit the slopes or flee to the beach. Regardless of how you spend your time away, you need to ensure your house stays safe while...

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Essential Safety Tips for Nighttime Boating

If you own a boat (or better yet, as the joke goes, you know someone who does), you've probably thought about spending some evenings on the water - especially in the summertime. It's a great thought, of course. But,...

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5 Tips for Organizing Your Home for the New School Year

Yes, it's already time to start thinking about school again. Getting a head start can pay big dividends for you and your kids as they head back to class. But, it's not just what they need for school that matters. It's...

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Celebrate National Night Out With Your Neighbors

In 1984, National Night Out - "America's Night Out Against Crime" - began as a way to promote crime prevention through neighborhood camaraderie. Since then, according to the National Association of Town Watch (NATW),...

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Safety Tips for Homeowners, Fertilizing Your Lawn, and Boating

One way to manage the risks in your life is to be safe, which sounds obvious. However, we often forget common safety rules, guidelines, and tips. This can expose us to unnecessary risks that have the potential to wreck...

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Testimonials

We help you manage the risks in your life in an effective, economical manner. Below are several testimonials. "We have relied on Doug Ault for our insurance needs since the early 1970's when he was with Wetzel, then...

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Testimonials

Insurance is complicated, but we are here to help you. At Wetzel Insurance Agency, we make sure to protect you. Below are several testimonials. "I retired from the Insurance business over seven years ago. Since my...

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An Interview with Byron Kauffman (Part 2)

This is the second (and final) part of a short interview with Byron Kauffman. How has the Affordable Care Act changed the field for small agencies? Our commercial insurance business serves closely held family...

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An Interview with Byron Kauffman (Part 1)

Byron Kauffman is a principal at Wetzel Insurance Agency. Below is the first part of an interview with him. What did you do before becoming involved with Wetzel? I was a Group and Pension Sales Representative with...

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Make Recycling and Reducing Routine

"Reduce, reuse, recycle." Most likely, you've heard that catchy phrase connected with information about saving natural resources and even saving your family money. But how many of us really make reducing, reusing and...

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Insurance 101 Videos

Central Insurance has made a collection of six insurance 101 videos. They are very informative and may answer many of your questions. The videos cover: 1. Business Income Coverage 2. Homeowners Coverages 3. Deductibles...

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Fireworks Safety

With the Fourth of July tomorrow, it is time to remember the importance of firework safety. If used properly, fireworks are great fun. However, if they are used in an inappropriate manner, they can wreck havoc...

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Protect Your Most Cherished Possessions

If you're like most people, there are certain items you own that you can't imagine ever losing - possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or...

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Keep Water from Going Where it Shouldn't

One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home. At Wetzel Insurance, we know you want to protect what's important. That's why we're offering these tips to...

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A Little Extra Caution Can Go a Long Way While Driving at Night

While fall and winter have their own pleasures, longer nights mean increased danger on the roads. You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23%...

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Home Security Tips

Everyone wants to keep their home safe from burglars or intruders, but not everyone wants to have an alarm system installed. There are plenty of people who prefer the do-it-yourself route, whether it's home improvement...

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Five Sure-Fire Ways to Get Your Car Stolen

Most people would say their car is one of the most valuable assets they own – if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At...

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Protect Your Family From the "Silent Killer"

Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know how to prevent it, detect it, and protect yourself...

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Make Sure Your Pets Travel Well for the Holidays

The holiday season is here - time to eat good food and join together with loved ones. For many who have families far away, this is also is the time to pack up and get out of Indiana. If you are gearing up to travel and...

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Make Football Season Fun and Safe

Finally, we're welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves and, of course, football season in Indiana. Football brings with it a whole host of seasonal activities...

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A Different Season Means Different Dangers For Motorcyclists

Fall is a wonderful time to be outside on your bike, thanks to the crisp, cool weather and changing colors of the landscape. Staying safe on the road in autumn requires some special precautions, however. Because we at...

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Flood Insurance - What You Should Know

You've probably heard this horror story before - someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn't cover flood damage. At Wetzel Insurance we want you to be...

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When Things go BOOM in the Night - Fireworks Safety

For most of us, the Fourth of July is a time to enjoy the company of family and friends, having fun and creating memories - whether at home or away But for some families, the holiday is a nightmare. Each year, homes in...

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Do You Own a Classic Car of the Future?

There's nothing quite like driving a speedy, shiny classic car that turns heads and starts conversations. In fact, the beauty and elegance of old collectibles - like the 1964 Aston Martin DB5, the 1963 Corvette Sting...

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A Time to Celebrate Mothers

As the second Sunday of May nears, it's time to think of ways to celebrate mothers - although, of course, that's a worthy pursuit at any time of year! At Wetzel Insurance, we thought it would be fun to give you a little...

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It's Time for Spring Cleaning!

Spring is a time of new beginnings in Indiana - and now is a great time to take on some cleaning and organization tasks around your home. If you're anything like many of us here at Wetzel Insurance, some of these tasks...

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Warsaw Women's Expo_March 23-24

Join us this weekend at the Warsaw Women's Expo! March 23 -24, 2013 Two Fun Days Just for Women!! Location: Orthopaedic Capital Center at Grace College 610 E Wooster Rd, Winona Lake, IN 46590 Admission: $10 at the door (...

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Get Ready to Safely 'Spring Forward'

Daylight Saving Time begins Sunday, March 10, 2013, for most places in the United States, so don't forget to set your clock forward one hour. We here at Wetzel Insurance want to remind you it's also a great time to...

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Be the Pinnacle of Health & Wellness This Winter

It goes without saying that keeping yourself and your family healthy through the winter months in Indiana can be a challenge. When you combine chillier temps, housebound days - not to mention kids passing around colds...

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Life Insurance - Insure Your Love - Wetzel Insurance - North Manchester - Warsaw

February is the Month of Love! We go to great lengths to provide for the ones we love. But what if we were no longer around to provide for those we value most? As we celebrate love during the month of February we are...

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Protect Your Motorhome and RV From the Cold

If you're a snowbird and you're headed away from the cold this winter to a sunnier and warmer spot, you can move on to the next article. Just know that we here at Wetzel Insurance wish you a safe journey - and that we'...

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Make Sure Your Holidays Stay Happy … and Safe

You'll no doubt hear the phrase "Happy Holidays!" about a thousand times over the next month. Here at Wetzel Insurance, we'd like to change that a little bit: "Happy - and Safe - Holidays!" While the holidays certainly...

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Closed for the Holidays

Closed for the Holidays Holidays are a time for fun, spending time with family & friends, and eating lots of food! We hope you have a safe and happy holiday season. Our offices will be closed the following days for...

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Tips for Preparing for Your Holiday Driving Trip

Millions of Americans will do some traveling this holiday season - the majority of it by car. Of course, winter weather creates a unique set of challenges on the roadways, whether you're simply driving around in Warsaw...

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Halloween Safety: Be Ready When the Little Goblins Come Out

It's a night full of treats for both kids and adults in Warsaw. But a number of factors - including lots of people walking in the dark, the threat of wet and stormy weather, strangers coming to your door - mean that...

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Harvest Festival : North Manchester

Harvest Festival 2012 Saturday, October 6th 8:30am - 4pm North Manchester, Market Street Join Wetzel Insurance Agency at the Harvest Festival this Saturday! Schedule of Events .... 7:00am - 10:00am Community Breakfast (...

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Life Insurance Awareness Month

September is Life Insurance Awareness Month According to the research group, LIMRA, 30 percent of US households have no life insurance at all. Most wait for life events to buy life insurance and don't realize the need...

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When the Kids Head for College, Put “Insurance 101" on Your Class List

It's an exciting time when your child heads off to college. Whether they're attending school in Indiana or have moved all the way across the country, there were a ton of things to get done last month, but did you...

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A Home Inventory Will Help You Know What You Own

Why should I have a home inventory? - Your furniture and appliances, clothing, sports or hobby equipment, and electronic goods are all regarded as personal property. Like many people in Indiana, you may own much more...

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