Wetzel Insurance Agency Blog

All You Ever Wanted to Know About Insurance

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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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