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Brownsburg, IN 46112

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How Does Umbrella Insurance Work?

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Umbrella insurance is a type of supplemental insurance policy that adds to certain insurance coverage types that you already have. Because the price of medical and legal bills can be so high, many people choose to supplement their existing insurance to protect themselves better. If you are interested in an umbrella insurance policy, call us at Grove Insurance Agency in Brownsburg, IN to talk to an agent. 

Liability Coverage for Your Home 

As a homeowner who already has home insurance in place, you have a specific amount of coverage for liability. That’s where umbrella insurance comes in handy. When your home insurance policy has reached its maximum after an accident, the rest of the medical and legal bills are up to you to pay. This is true unless you have an umbrella policy. With umbrella coverage, the policy pays after your home insurance has maxed out so that you have a much higher maximum with this supplemental coverage. 

Liability Coverage for Your Vehicle

Just as umbrella insurance offers a supplement to your home insurance, it also offers one to your auto coverage. In the event of an accident, your auto insurance pays its liability coverage up to its maximum. Then, the umbrella policy picks the bills up until its own, much-higher, maximum. The result is that these bills are far more likely to be paid by insurance than to make you come up with the money yourself. 

Get Your Own Umbrella Coverage

When you want enough liability coverage to pay for accidents in your home or with your vehicle, you need an umbrella policy. To get this policy, call us at Grove Insurance Agency in Brownsburg, IN, and talk to an agent about the insurance coverage you want. 

Three things you need to know when looking for flood insurance in Indiana

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It’s important to invest in flood insurance as a homeowner in Brownsburg, IN. If you don’t invest in this important type of insurance, you may have to deal with paying for expensive home repairs out of pocket. We offer flood insurance in Indiana at Grove Insurance Agency.

The following are three things you need to know when looking for flood insurance in Brownsburg, IN. 

Flood insurance is required for some property owners.

You need to know about flood insurance requirements for your property. You might be required by your municipality or by your mortgage lender to purchase flood insurance. Knowing what types of insurance you’re required to purchase is important. 

Knowing the flood zone you’re in is important.

The costs of flood insurance vary depending on the flood zone in which a particular property is located. Knowing your property’s flood zone gives you key insights into how much your flood insurance costs should be. 

If your property is located in a flood zone that’s particularly at risk, flood insurance is going to cost more than it would in a property with minimal flood risk. Knowing the flood zone of a property you’re interested in purchasing is important so that you can gauge insurance costs before purchasing that property. 

It would be best if you looked into fortifying your property against flood damage. 

You may be able to invest in some property improvements to bring down flood damage risks and flood insurance costs. Research this possibility when you’re making decisions on whether to purchase a particular property. 

If you have questions about flood insurance, we have the answers you’re looking for at Grove Insurance Agency. Get in touch with us to learn more about flood insurance options in Brownsburg, IN. 

Why Stay-at-Home Parents Need Life Insurance

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When most people think about buying life insurance from Grove Insurance Agency, they usually believe it is only working parents’ need. The truth? Even stay-at-home parents have value in the family, and their loss would cause tremendous hardship.

If you have kids in Brownsburg, IN, you need coverage to protect your whole family. Here are three reasons why stay-at-home parents need life insurance.

1. Additional Help with Childcare and Household Tasks

Think about this for a minute. If the stay-at-home parent in your family were to pass away suddenly, how would you pay for childcare? Would you need someone to come in and assist with additional household tasks? With more children engaging in virtual learning, who would supervise this, and would you have to hire a tutor? Having life insurance can help with these added costs.

2. Time Off from Work

After the death of a spouse, there’s a good chance that you’ll need to take time off from work to grieve and help your family make the transition into this new phase in your lives. But how much of a dip in income will this cause? Life insurance for the stay-at-home parent can help fill in the income gap during this time off and pay for everyday household expenses.

3. A Legacy for Your Children

Of course, one of the main reasons people buy life insurance is to help leave their children’s legacy. Proceeds from life insurance on a stay-at-home parent can be used for college funds, savings accounts, or even paying off a mortgage to ensure the family always has a roof over their heads.

Are you ready to learn more about how life insurance can protect your family from the unexpected? Please contact our team at Grove Insurance Agency in Brownsburg, IN today to schedule an appointment.

Auto insurance requirements in Indiana to be aware of

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You need to meet auto insurance requirements set forth by the state to drive legally in Indiana. At Grove Insurance Agency, we provide insurance policies that meet state liability requirements in Brownsburg, IN.

The following are three auto insurance requirements in Indiana that you need to be aware of.

Bodily injury liability coverage

In Indiana, you need to meet two bodily injury liability coverage requirements for your auto insurance coverage.

You need to have at least $25,000 bodily injury damage coverage per individual per accident. You also need to have at least $50,000 in total bodily injury liability coverage per accident to meet state requirements.

Property damage liability coverage

Indiana has a property damage liability coverage requirement on auto insurance policies in the state. Auto insurance policyholders need to have at least $25,000 minimum in property damage coverage on their policies. 

Uninsured and underinsured motorist coverage

Indiana also has some auto insurance requirements for uninsured and underinsured motorist coverage in the state. However, it’s important to note that motorists can reject these coverage requirements if they submit a written rejection to the DMV.

For uninsured motorist bodily injury coverage, the state requires at least $25,000 in coverage per person and $50,000 total per accident. There is also a requirement of a minimum of $25,000 in uninsured motorist property damage coverage per accident.

Get started finding the right auto insurance solution in Brownsburg, IN for your particular needs. We can help you at Grove Insurance Agency. You can explore our insurance options by visiting our website. You can also learn more about us by giving us a call.

How can commercial insurance protect an Indiana business?

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If you are interested in being your own boss, starting your own business could be a great option. One city that offers a lot of potential and opportunities for small business owners is Brownsburg, IN. While you can be very successful with your business in this area of Indiana, there are still risks that you need to mitigate as well as possible. One way that you can mitigate some risks is by getting a commercial insurance policy, as it can protect your business in several ways.

Insurance Provides Liability Protection

One way that your commercial insurance policy can protect your business is by providing you with liability protection. A small business is going to regularly take on liability risk. If you ever sell a product or service and someone gets hurt through the process, you could be responsible and will need to cover damages. Fortunately, you are able to get a commercial policy that will give you protection against this risk. 

Protects Business Assets

Another advantage of a commercial insurance policy is that it can protect all assets of your business. Any business is going to own a variety of assets, which can include equipment, inventory, or office furniture. Losing these assets to a fire or other form of loss could be financially challenging. Fortunately, you can get commercial insurance, which will provide protection against this loss. 

As you are shopping for insurance in the Brownsburg, IN area, you should reach out to the team at the Grove Insurance Agency. Picking an insurance policy for your company is always a big decision and can seem complicated. As you are shopping for insurance here, the Grove Insurance Agency can assess the needs of your business and help you to build a policy that offers the right type and level of coverage. 

Do I need to do a home inventory

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When you buy a home, you take on a lot of responsibility. You hope to have many happy years in this home, and for most people, that is what will happen. But chances are at some point you will be filing a claim with your insurance provider. It may be a small claim, or it may be a significant claim. If lost property is involved, the insurance company will want proof to back up your claim. Your home inventory will provide that proof if it is done correctly. At Grove Insurance Agency in Brownsburg, IN, we take the well being of our customers seriously and are here to help when you need us.

The answer to the question "do I need a home inventory" is a resounding yes, yes, you do. A home inventory is not something easy to do. It is time-consuming and needs to be as precise as possible. The more information you put into it, the better the results will be when you file a claim. It would help if you were as descriptive as possible, and when it comes to electronics, it is wise to include the brand name, model, and serial number.  All of these will help you to maximize the amount that you receive for your items. Include receipts as well. 

You can take photographs of the more costly items, and the reality is, you will need to update your inventory regularly. When you add new items and remove old items, make sure that your inventory reflects that. Find a safe place to store your inventory where it will survive any hazard that may hit your house. 

Grove Insurance Agency in Brownsburg, IN is your local independent insurance agent in good times and in bad. It is easy to recommend a policy. It is harder to be at your side when you need to file a claim. If you want to discuss home insurance, come into our office or give us a call, we are here for you.