Recreational vehicles like golf carts, low-speed vehicles (LSVs), utility terrain vehicles (UTVs), and all-terrain vehicles (ATVs) are becoming increasingly popular for both work and play. Whether you're cruising around a neighborhood, managing a farm, or exploring off-road trails, these vehicles serve different purposes and require proper insurance coverage. However, many owners assume that their homeowner’s policy or standard auto insurance will cover them—which is often not the case.

Insurance is one of those things we buy hoping we’ll never need to use. And when we don’t, it can feel like we’re paying for something that doesn’t give us anything in return. But the real value of insurance isn’t in how often you “use” it—it’s in the security and peace of mind it provides every single day.

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:

Technology is no longer a complement to the insurance industry; it’s a driving force. Insurers who embrace these advancements are not only improving their operations but also delivering better experiences and outcomes for their customers. For policyholders, the future of insurance promises greater convenience, personalization, and transparency.

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:

As parents, ensuring the well-being and security of your children is a paramount concern. While there are various types of insurance products available to safeguard different aspects of life, life insurance stands out as the most crucial for parents.  Here's why life insurance should be a top priority for every parent: 

In a fast-paced world filled with countless responsibilities, challenges, and distractions, it can be easy to lose sight of the simple yet profound act of being thankful. Gratitude is a timeless virtue that holds immense significance in our lives, affecting not only our mental and emotional well-being but also the way we connect with the world around us. In this blog post, we will delve into the importance of being thankful and explore how practicing gratitude can enrich our lives.

As the leaves start to fall during autumn, many homeowners turn to lawn mowers with mulching capabilities to make yard maintenance more efficient. While mulching leaves is a practical solution for some, it's essential to be aware of the potential fire danger associated with this practice. Mulching dry leaves with a lawn mower can pose a serious fire risk that could result in property damage, injuries, and even death.

Liability insurance is a critical component of any comprehensive insurance plan. It provides financial protection and peace of mind to individuals, businesses, and organizations by covering legal and financial responsibilities in case they are found legally responsible for causing harm to others. However, it's essential to understand the scope of liability insurance coverage and what it does not cover to ensure you have the right insurance for your needs.

In a world driven by technology and convenience, the value of an independent insurance agent is indispensable. Independent agents offer a level of personalized service and expertise that automated platforms simply can't match. Having a strong independent insurance agency in your corner is significantly important in our current times.

Life is unpredictable, and none of us can foresee what the future holds. This uncertainty is what makes life insurance such a critical financial tool. It is a safety net for your loved ones and ensures that they are protected, even when you're no longer around. In this blog post, we will explore the various facets of life insurance and why it is of paramount importance.

If you are paying attention, you’ve likely noticed an increase in your insurance rates. This has many people asking why? In this blog post, I will give you some of the key factors contributing to the surge in insurance prices and hopefully give you some insights into the dynamics at play.

Windshield and glass breakage, it’s our most common claim here at Bragg Insurance Agency.   With all of the hazards and road construction that we have, it’s a wonder that we all don’t have broken windshields.

In the past, replacing the windshield wasn’t that big of a deal.  Just $200 or $300 would have easily covered the replacement of a broken windshield; Not any more.

When you are out on the water you want to have a safe experience, but operating a boat does come with some risks that could result in costly injuries and damages. Insurance could help cover you, your passengers, and your boat as well as other people and their property.

When purchasing a flood insurance policy, it is important to understand how your flood insurance company defines a flood. Most companies use FEMA’s definition. FEMA defines a flood as: