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:

1. Match your coverages to your specific needs. Insurance is not one size fits all. Have your agent explain each and every coverage that you are paying for. Use this information to help determine if your coverage fits your circumstances.

Inexperienced drivers have accidents. Of course they do; anyone learning a new set of skills is bound to make a mistake. In fact, new drivers between the ages of 16 and 22 are 96% more likely to have some type of auto accident. It may just be a fender bender or something much more serious. They’re going to have an accident; the severity is the question.

Unfortunately none of us are going to get out of here alive, and some of us will even die prematurely. That’s why it is so important to have the proper life insurance in place at the proper time in your life.

Pet health insurance coverage is actually really simple. After your purchase a Pet Health Insurance Policy from Bragg Insurance Agency you can take your pet for a covered treatment, pay the vet bill, then submit a claim for reimbursement.

Meet Wrigley. She’s a very energetic Golden Retriever puppy. When we purchased Wrigley the breeder described her as a “fireball”. He was right. She’s all energy and all pup.

Presently the minimum legal insurance coverage that you must have to drive a vehicle in Indiana is $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 for property damage.