SELLING -- PERSONAL, BUSINESS, LIFE-HEALTH & ACCIDENT INSURANCE, AND BONDS 

WE ARE LICENSED for insurance sales in Indiana ONLY!

CAN I GET REPLACEMENT COST INSURANCE, ON MY HOME OR MY CONTENTS?

USUALLY, THERE ARE INSTANCES WHERE REPLACEMENT COST IS NOT AVAILABLE, BUT THOSE ARE RARE.

WHY IS THERE A BIG DIFFERENCE FROM WHAT I PAID FOR MY HOME AND THE INSURANCE VALUE?

HOMES ARE PURCHASED AT MARKET VALUE, AND MOST HOMES QUALIFY FOR REPLACEMENT COST, OR THE COST TO REBUILD IN THE EVENT OF A TOTAL LOSS. COULD YOU REBUILD YOUR HOME FOR THE AMOUNT YOU BOUGHT?

THE STATE REQUIRES EVERY DRIVER TO HAVE AUTOMOBILE LIABILITY, AND THE REQUIRED AMOUNT IS $25,000 / $50,000 BODILY INJURY, AND $10,000 PROPERTY DAMAGE, WHY DO I NEED HIGHER LIMITS?

LOOK AT WHAT YOU OWN! HOME, AUTO, BOATS, MOTORCYCLES (TOYS), ETC., AND MAYBE A BUSINESS, ADD THEM UP AND SEE WHAT YOU ARE WORTH!! THIS IS WHAT YOU LOSE IF YOU WERE SUED IN AN AUTO, OR LIABILITY LOSS, YOU MAY EVEN WANT TO CONSIDER AN UMBRELLA, OF $1,000,000 OR MORE, TO GO OVER ALL OF YOUR OTHER POLICIES!!

WHY DO I NEED UNINSURED MOTORIST / OR UNDERINSURED MOTORIST COVERAGES?

EVEN THOUGH THE STATE REQUIRES AUTOMOBILE LIABILITY COVERAGE, THERE ARE LOTS OF HOOSIERS OR SOMEONE FROM OTHER STATES WITHOUT INSURANCE, EITHER ON PURPOSE OR A BREIF LAPSE IN COVERAGE, AND THIS MONEY GOES TOWARD YOUR BILLS IN THE EVENT OF AN AUTOMOBILE LOSS.