Category: Home Insurance

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.

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.