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Brownsburg, IN 46112

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Signs That You Need Umbrella Insurance

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An umbrella insurance policy enhances the coverage of your existing liability policies’ coverage by extending the liability coverage. Investing in an umbrella insurance policy is prudent, as it can prevent you from paying out-of-pocket for someone else’s injuries or losses. At Grove Insurance Agency in Brownsburg, IN, we aim to help you live a life free from financial stress. We can assist you in obtaining an umbrella insurance policy that provides financial security.

Reducing Life’s Risks with an Umbrella Insurance Policy

While anyone can sue another person for any reason, the plaintiff must prove their damages in court. As a homeowner, parent, pet owner, and car owner, you’re involved in activities that could potentially put others at risk. Liability insurance provides significant coverage against accidents or incidents that harm another individual, but the limits can be quickly depleted.

An umbrella policy extends the limits of your liability policy by covering the remaining amount. If you have any of the following, it’s an indication that you need an umbrella policy:

  • Homeownership
  • Car ownership
  • Teenagers with a driver’s license
  • Pets
  • Participation in sports that put others at risk
  • Service on a board of directors for a non-profit or charity
  • Hosting parties
  • Ownership of rental property

Assisting You with an Umbrella Insurance Policy

At Grove Insurance Agency, we’ve assisted many Brownsburg, IN residents in adding umbrella insurance to their existing policies. Contact us today to speak with an agent and have your questions about this and other types of insurance answered. We’re here to help you safeguard the life you’ve built for yourself and your family.

Do You Really Need Home and Flood Insurance Policies?

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When you have a home insurance policy, you may assume that this is all you need to protect your home against disasters. However, it’s important to have both home and flood insurance. Every homeowner should have both policies to ensure their biggest asset is well-protected. When you only have one of these policies, you’re subjected to a lot of risk that could cause financial devastation. When you need flood insurance, give us a call at Grove Insurance Agency in Brownsburg, IN.

Understanding Home Insurance Limitations

There are limitations with virtually any type of insurance policy, and home insurance is no exception. With home insurance, one of the limitations is that it doesn’t cover flooding. It excludes floods specifically from the range of situations that it covers. If you want to be covered against floods, you have to have flood insurance. Flood insurance is well-backed by the National Flood Insurance Program, making it a solid insurance type that has the same price no matter where you get it.

The Importance of Flood Insurance Everywhere

Some homeowners don’t get flood insurance because their home isn’t in an area that is designated as a flood zone. However, out of all the flood claims that come in, about one in five comes from an area outside of such zones. That makes it important for all homes to be covered by this insurance. Floods can and do happen virtually anywhere, so it’s best to be prepared if the worst happens. Both a home and flood policy are necessary to cover you from the many risks your home faces daily.

Get Flood Insurance in Indiana

If you only have a home policy, you’re leaving yourself vulnerable. To get started with a flood policy, call us at Grove Insurance Agency in Brownsburg, IN.

Why Classic Car Insurance Is Designed for Limited-Use Vehicles

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In many states, you can register your older vehicle as a classic car. Registering a car as a classic can lower your registration costs and help ensure your vehicle isn’t required to undergo an emissions or smog check. However, if you register your vehicle as a classic car, you typically have to have classic car insurance, which Grove Insurance Agency, serving Brownsburg, IN, can help with. When you go to get classic car insurance, you will find that you have limited mileage. Here’s more about the reasons why.

Classic Car Insurance: Designed for Limited-Use Vehicles

Most classic car automobile owners do not drive their cars regularly. These are not daily drivers or cars made for commuting. Many classic car vehicle owners only take their car out for brief drives to keep the systems operating properly and/or to take their vehicles to classic car shows. Many owners do not want to risk driving their cars regularly, nor do they want the wear and tear that regular driving places on the parts. As such, due to the limited nature in which these vehicles are traditionally driven, many insurers started including limited-use clauses or implementing mileage restrictions on classic cars covered under their policies.

Secure Your Classic Car Insurance with Grove Insurance Agency

If you’re looking to purchase a new classic car insurance policy, you may be looking to find the best option for your needs. Here at Grove Insurance Agency, serving the greater Brownsburg, IN area, we can help. Reach out to us and let us help you find the policy with the mileage you need to meet your needs best.

Renters Insurance Covers More than Your Stuff

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At Grove Insurance Agency, we want our Brownsburg, IN, clients to understand all the protection that their renters’ insurance provides them. While most renters purchase a policy to protect their personal belongings, renter’s insurance also provides other coverages, including liability coverage. It can also cover hotel and per diem if you can’t stay in your rental home due to damage to it. Let’s explore the details on these vital coverages that come with most renters’ policies.

Personal Property Protection

A renters’ policy does not cover damage to the domicile you rent. Instead, it covers your belongings kept in the domicile. While each policy differs, typically, a renters’ policy covers damage to your personal property caused by six perils:

  • Fire
  • Windstorms
  • Lightning
  • Explosions
  • Theft
  • Vandalism.

Some policies include other perils that match the essential ones provided in the HO-1 home policy.

Liability Coverage

Although your landlord’s home policy covers liability in public areas of the home, such as the yard, front porch, etc., your renters’ policy covers your liability. You incur the liability in any area of the house you rent that you would have to provide access to. Your renters’ insurance covers that liability, so if your houseguest slips in the shower and breaks their arm, your renters’ policy covers their medical costs.

Additional Living Expenses

When damage occurs to the home you live in, although your landlord’s insurance covers the damage, it doesn’t cover your costs of needing a safe place to stay. Your renters’ insurance does cover your additional living expenses, a term that refers to hotel costs and, per diem, a daily budget for eating.

Contact Grove Insurance Agency Today

Contact Grove Insurance Agency today to update your renters’ policy or create a policy to protect your rented home in Brownsburg, IN. Let us help you create a policy that keeps your financial security safe.

How to Insure Custom Motorcycles in Brownsburg, IN

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Custom motorcycle riders in Brownsburg choose their bikes to display individual expression, enhance performance, and for personal comfort.

Learn how to insure your custom motorcycle for your outdoor adventures from the professionals at Grove Insurance Agency in Brownsburg, IN.

How to Insure Your Custom Motorcycle

Safeguarding your two-wheeled investment is a multi-step process that begins with contacting a licensed and knowledgeable insurance agent for an assessment.

  • Be prepared to provide purchase receipts for the bike itself and any custom modifications done on the motorcycle.
  • Take photos of your bike to share with your insurance quote provider, which includes views of your bike from all angles.
  • Many custom motorcycle owners get an official value appraisal to determine their bikes’ actual cost after modifications are completed.

Your trusted local insurance provider can create a custom quote for your bike based on the factors above, your driving history, the type of insurance sought, and your previous insurance history.

Options for Custom Coverage

Talk to your insurance agent to learn more about options for covering your bike in Brownsburg. These can include liability coverage for motorcycles, comprehensive and collision coverage, uninsured motorist coverage, or agreed-value coverage.

Liability Insurance for Motorcycles

This basic level of motorcycle insurance coverage typically satisfies state minimum insurance requirements that cover expenses related to at-fault motorcycle accidents.

Comprehensive and Collision Insurance for Brownsburg, IN Bikers

Comprehensive and collision insurance for bikers offers additional layers of protection for collision and non-collision-related incidents, which can include vandalism, theft, damage, or total losses from natural disasters.

The final stage of protecting your motorcycle from devastating physical losses and the high costs of out-of-pocket expenses is to review your customized quote and choose the best policy for you based on your individual needs.

Contact Grove Insurance Agency today!

Seasonal Storage in Brownsburg: Does Your Boat and Watercraft Insurance Cover Winter Damages?

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Understanding Boat and Watercraft Insurance: Basics and Tips for Winter Storage

As chillier months approach, boat and watercraft owners in Brownsburg, IN, are gearing up to store their vessels. Many owners have questions regarding the type of insurance to maintain during storage.

Let the Grove Insurance Agency team, armed with knowledge about boat and watercraft insurance basics, assist you in preparing for winter boat storage in Brownsburg through some simple yet effective tips.

Boat and Watercraft Insurance Coverage Basics

Standard boat and watercraft insurance policies offer liability-only or comprehensive coverage options, securing local boaters against myriad risks.

For instance, a boat or watercraft liability insurance policy could cover a property damage claim lodged by an injured boater. However, comprehensive coverage would be necessary to cover repair or replacement costs in case of an accident involving your vessel.

We recommend consulting your local licensed insurance agent for detailed insights into comprehensive insurance policy coverages for boat owners, which protect boat captains, the vessel, passengers, belongings, and other boaters.

Tips for Winter Boat and Watercraft Storage in Brownsburg, IN

Ensure to follow the manufacturer’s advice on storing your boat or watercraft during the colder months to prevent any winter-induced damage to your boat.

Steps like draining systems, adding antifreeze, and storing your vessel with a trusted local provider are pivotal to protecting your watercraft against cold weather.

A reliable agent can outline comprehensive insurance and propose the optimal defense against hull damage, liability, and incidents during winter storage. Contact Grove Insurance Agency today for pertinent advice!

Do All Business Owners Need Umbrella Insurance?

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Umbrella insurance is a supplement that can be added to a commercial or other type of primary insurance. Umbrella insurance becomes active once a person’s or entity’s primary insurance has been depleted. It will then pay any remaining amount owned, preventing the need to pay any excess out of pocket. If you’re new to umbrella insurance and own a business in Brownsburg, IN, you might wonder if all business owners need this type of insurance. Here is an overview that explains the answer to this question. 

Determine How Much Your Business Is Worth?

If your business is worth quite a bit, you might seriously want to consider purchasing an umbrella insurance policy. If you’re ever sued, your primary insurance may not pay the entire amount of damages awarded to the plaintiff. An umbrella plan would pay for the excess, preventing you from needing to find money that you don’t have. However, if your business is small and you recently started it, umbrella insurance might not be necessary. Of course, it’s always a good idea to have, but new businesses are often looking for ways to cut costs. Though umbrella insurance isn’t typically expensive, it might be unnecessary for a new business. 

While all businesses aren’t required to have umbrella insurance, it’s a great supplement that can give any business owner peace of mind. If you’re a Brownsburg, IN, business owner considering adding an umbrella insurance plan to your existing policy, you should call us at Grove Insurance Agency. We pride ourselves on providing reliable coverage and customer service. Contact us today for a quote so we can get you started. 

Is Your Home Protected From Mid-West Flooding?

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Those of us in the Brownsburg, IN, area and the Midwest in general are subjected to exceptional weather conditions. We can experience everything from blizzards to lightning, tornadoes, and flooding. We have even been known to experience heavy rains in the aftermath of some southern hurricanes. This brings us to ask at Grove Insurance Agency, "Is your home protected against Midwest flooding?"

Flood Insurance is Not Part of Your Basic Home Insurance

For the majority of Indiana homeowners, flood insurance is not included in a standard homeowners’ insurance policy. This protection must be obtained separately, generally through FEMA’s National Flood Insurance Program.

This is becoming increasingly significant as climate changes and storms become more severe. New developments and rising water levels are changing floodplains and creating more flood-prone areas. Many homes that may not have previously been in jeopardy from flooding may now be at risk.

Many individuals don’t realize how devastating and costly flooding can be to remediate. Contents are often destroyed, sections of the structure may need to be replaced, and mold is usually a result. Flood insurance helps provide needed financial protection.

Grove Insurance Agency can assist you. We can facilitate coverage for your home from flooding, and it only requires a phone call or click.

Contact Us for a Quote Today

To learn more about flood insurance and how it can help protect your home, contact us at Grove Insurance Agency, serving Brownsburg, IN. Answer a few questions, and we can prepare a quote for you. We also can ensure you have adequate coverage for other weather conditions prevalent in the Midwest.

We look forward to helping you protect your home. We offer a full range of insurance products, including life, auto, business, and home.

Do Young Adults Need Life Insurance?

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As a young adult, it can be challenging to determine whether it makes sense for you to purchase a life insurance policy. At Grove Insurance Agency, serving Brownsburg, IN, we’re here to provide you with some information that can help you decide whether purchasing a life insurance policy is right for you.

Consider Your Dependents

If you’re a young, single, childless adult and you don’t anticipate needing to care for elderly parents or relatives in the near future, you may not need a life insurance policy. Life insurance works to protect the people who depend on you in the event of your death. Having no dependents could mean a life insurance policy is not necessary.

Debts and Obligations

Not all student loans are discharged upon the borrower’s death, and your loved ones or co-signers could be responsible for paying back your loans. Other debts, like mortgages and credit card bills, can be handled through a life insurance policy, as can any joint debts you share with another person.

End-of-Life Expenses

Life insurance policies can be used to cover funeral expenses for the deceased, reducing the financial burden on grieving loved ones. Ensuring your loved ones know about your policy ahead of time can help ease some stress in the event of the unforeseen.

Grove Insurance Agency, Serving Brownsburg, IN, Is Here To Help With All Your Insurance Questions

Determining what type of insurance coverage is most suitable for your situation can be complex. However, Grove Insurance Agency, serving Brownsburg, IN, is here to assist. Contact us today to speak with a qualified insurance agent and get the information you need to select the right policies to safeguard you and your family.

How Does Classic Car Insurance Limit Driving Miles?

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Classic car insurance offers a higher value payout if you need to file a claim for damage, a totaled car, or theft. It uses guaranteed value, also called agreed value, instead of the depreciated value. At Grove Insurance Agency, we want Brownsburg, IN, residents to understand the trade-offs when purchasing this high-value insurance. Limited Driving Time Classic car insurance typically limits the vehicle owner to 1,000 miles of driving per year.

Considered pleasure driving, many policies specify that the vehicle can be driven in parades, car shows, and other similar events, but not as a primary vehicle. Some policies offer more mileage, typically up to 2,500 miles per year. This reduced driving time lowers the risk of an auto accident, thereby reducing the risk incurred by the insurance agency.

Garage Requirements

Most classic car policies, including those from Grove Insurance Agency, require that you park your classic vehicle in an enclosed garage space. This provision protects the vehicle from hail, rain, debris blown by wind, and other types of damage. You give up parking in your driveway or under a carport.

Repair Shop Requirements

Some classic car policies let you choose any repair shop you need, but others limit you to local shops. This can vary between policies issued by the same carrier due to the underwriter, so check your potential policy before purchasing it. You can ask your insurance agent to amend the policy to allow you to choose the nearest specialty shop for your make of vehicle or classic or vintage vehicles.

Contact Grove Insurance Agency Today

Let our office help you insure your vintage or classic vehicle. Contact Grove Insurance Agency serving Brownsburg, IN, for more information or to start a quote.