In recent years, homeowners have faced significant changes in how insurance companies handle roof claims particularly concerning wind and hail damage claims. Many insurers are transitioning from offering Replacement Cost Value (RCV) to Actual Cash Value (ACV) settlements for roofs older than ten years when they are damaged by wind or hail. This shift has substantial implications for homeowners, affecting claim payouts and out-of-pocket expenses for the homeowner.

Roses wilt. 🍫 Chocolate disappears. Teddy bears collect dust.

But you know what never fades?
The peace of mind that comes from knowing your loved ones are protected.

This Valentine’s Day, instead of the usual gifts, consider something truly meaningful—life insurance. It might not be as flashy as jewelry, but it’s a gift that says:
"I’ve got you, Always & Forever!"

Have you noticed your home insurance premium creeping up lately? You’re not alone. Across Indiana—and the entire country—homeowners are seeing higher rates than ever before. But why is this happening, and more importantly, what can you do about it?

Renters insurance may be the most underrated yet essential types of insurance coverage available. Many renters mistakenly assume their landlord’s insurance policy protects their belongings, but this is not the case. Your landlord’s insurance typically only covers the physical structure of the building, leaving tenants responsible for their personal property and liability.

So, what does renters insurance actually cover? Let’s break it down.

Insurance is an essential part of financial planning. It providing peace of mind and protection against life’s unforeseen events. However, the cost of insurance can strain your budget. Along with everything else, inflation is causing insurance rates to rise. The good news is that you can save on insurance without compromising the quality of your coverage. Here are some tips to help you save:

We’ve all been there—running late, in a hurry, and tempted to press a little harder on the gas pedal. But while speeding may seem like a quick solution to save a few minutes, it comes with serious risks that far outweigh any time gained. Slowing down when driving isn’t just about following the law; it’s about saving lives. Whether you're in a bustling city or a quiet rural area, reducing your speed can make all the difference in preventing accidents, reducing injuries, and keeping our roads safe. Here’s why slowing down when driving is crucial for saving lives.

When it comes to managing your finances, finding ways to save on home and auto insurance can make a significant impact. Insurance premiums can add up quickly, but with a few strategic steps, you can reduce these costs without sacrificing coverage. Here are three great ways to save money on your home and auto insurance: