Our Pledge
We are an experienced agency located in Granger, Indiana. We are dedicated to offering quality service to the Michiana region. Whether you are seeking coverage for health, auto, life, home, or business, we can help. Insurance is complex and personal, so whatever your needs, we want to be your "insurance boutique" and not just another big-box store. Read More
Bodily Injury (BI) and Property Damage (PD)
Covers your liability for injuries you cause to other people and property damage for which you are at fault.
This coverage usually is expressed in a "split number" such as 100/300/100.
The first number is the limit (in thousands of dollars) that your policy will pay for bodily injury per person in the event of an accident.
The second number is the total limit your policy will pay for bodily injury to two or more people per accident.
The third number is the limit that your policy will pay for property damage per accident.
Many people are underinsured today because of the rising costs of vehicles (making it easy to exceed your Property Damage limits) and the high personal injury awards in lawsuits. Please consult us to make sure you have adequate converge- we'll be happy to help you!
Uninsured & Underinsured Motorist
Covers you when you are injured by someone who is not insured or has inadequate limits of coverage. This is often an overlooked coverage, and we would be happy to help you understand this better!
Collision
This covers the cost of replacing or repairing your vehicle in the event of an accident in which you were at fault. The premium varies depending upon your deductible limits. We would be happy to help you decide which deductible is right for you!
Comprehensive
This covers repairing or replacing your vehicle in non-accident situations, such as theft and vandalism.
Hail and other "acts of God" are covered, as defined by your policy. This also has a deductible, so please consult with us about which deductible meets your needs.
Property Damage Coverage
"Property Damage" coverage is designed to help pay for damage to your home and personal property.
"Other Structures" coverage will help protect your detached garage, tool shed, and other unattached structures. Generally, the coverage is 10% of the amount for which your home is insured.
"Personal Property" coverage helps pay for a loss of your personal possessions, such as clothing, furniture, TV, stereo and other unattached personal items. You may want to review this coverage with us, to make sure you are adequately protected in this area.
Personal Property Floater
A homeowner's insurance policy normally provides limited coverage for collectibles, jewelry, furs, etc. It may be necessary to insure your valuables with a Personal Property Floater. A Personal Property Floater provides coverage that is broader than the coverage in your standard homeowners insurance policy.
Personal Liability Coverage
Your homeowners policy provides Personal Liability coverage to help protect you against a non-auto claim in which you were at fault. Liability coverage in your policy covers both the cost of defending you and damages the court orders you must pay. Liability insurance does not have a deductible that you must meet before the insurer begins to pay losses. We can review your current limits of coverage, and help make sure you have enough protection in this area.
Medical Payments Coverage
Medical Payments coverage is designed to pay for an injury to someone OUTSIDE your family. It can often help settle "small" injuries outside of court before they become BIG claims in court. This is not medical coverage for you and your family.
Additional Living Expenses
Where will you live if your home is badly damaged?
If move into a hotel or apartment for awhile because of damage caused by a covered loss, your homeowners policy will normally cover the stay, subject to policy limits.
A Health Savings Account plan has two parts: the health insurance policy, and a tax-free savings account. The health plan is a high deductible insurance policy. The premiums tend to be much lower than a plan with co-pays and a smaller deductible. HSA's have no doctor or drug co-pays. The full cost of routine care, emergency care, and your prescriptions count toward the deductible.
Once the deductible is met, most plans pay 100% of eligible costs.
You can set aside extra money in a tax-free account for use toward routine health costs. You do not have to open the account, by why turn down a tax deduction? Unspent money stays in the account year after year, and the money stays tax free as long as you use it for qualified expenses.
Affordable coverage for the major, unexpected expenses. Tax savings for the routine items. Keep the money you would have spent on a lower deductible plan.
When you request a health quote, we have to ask you a few personal questions. We're not doing it to be nosy; we need the info to give you an accurate rate- and to know which health plans would fit you best.
We're going to ask you basics like your age, your height and weight, whether you smoke, and where you live. We also need to know if you have any health conditions, are taking any prescriptions, or have any tests or surgeries scheduled. When you call, be sure you're located in a good place to discuss these details. The middle of the break room, in earshot of your co-workers, may not be the best place! If need be, e-mail us and we can discuss it there, or set up a time to talk things over with you.
The better we know your situation, the better we can serve you. Our view here is that you deserve an accurate quote. We want you to know what you can reasonably expect when you apply for coverage. Anyone can plug info into a quote engine and get some quotes (we have a quote engine right here). But those are only "best case" rates. Even a minor, routine prescription can affect your final rate. We know which companies will be the kindest with YOUR health history.
There is no cost difference between using an agent and going direct- so why not get better service, experience, and someone to look after your policy? Contact us for an appointment, or to request a quote.