Does Motorcycle Insurance Cover Accessories?

There are many different types of motorcycles. From high-performance bikes to vintage bikes, regardless of the type that you have invested in, you will want to make sure you invest in the right type of insurance coverage too. In addition to protecting your bike with insurance coverage, you may be wondering if it is possible to protect your motorcycle accessories. Let’s take a quick look at the answer to this question.

Can my motorcycle accessories be covered by motorcycle insurance?

Yes, the accessories that you have added to your motorcycle can be protected with insurance coverage. However, you will need to let your insurance agent know that you have added these accessories to your bike and that you want to make sure they are protected under your insurance policy. There is a good chance that your insurance coverage will increase as a result, but it probably won’t be by much. Your standard policy likely does not provide accessory coverage, but for a small increase in your monthly premium, accessory coverage can be added. Do remember, though, that the more expensive the accessories, the bigger the increase in your monthly premium rate will likely be.

What are the different types of accessories that are covered?

The exact accessories that will be covered under your policy will depend on the exact policy that you invest in. Most times, however, you can have anything from sidecars to custom paint jobs insured under an accessory policy. You will want to speak with your insurance agent to let them know the accessories you have added the value that you want to insure them at.

To learn more about accessory motorcycle insurance coverage, please contact Kevin Dennis Insurance Agency serving the Mishawaka, IN area.

Top claims made under home insurance policies in Indiana

As a homeowner it is not only essential to carry a homeowners insurance policy it is important to make sure you have adequate coverage for the claims that are most likely to occur in the area in which you live. Below we have put together a list of the most filed claims in the Mishawaka, IN area. If you are unsure if you are adequately insured for these types of losses a specialist at Kevin Dennis Insurance Agency will be happy to review your current policy.

In Indiana, the most common claim made under homeowners policies are losses caused by wind and hail. It is impossible to control the weather, but there are things you can do to lessen the damage caused by wind and hail in addition to making sure you have adequate insurance coverage. Make sure to park your car in a protected area in the event of a hail storm. If strong winds are expected put away patio furniture that could be blown around and damage your home.

The second most common claim filed in Indiana is the result of water damage. Water damage is often caused by melting snow or ice or the result of freezing pipes. If there is a significant snowstorm, be sure to have your roof cleared of snow to prevent damage to the roof. In the winter make sure your outside hose bibs are turned off, and your pipes are properly insulated to avoid pipes freezing and bursting. It is important to keep in mind that water damage caused by flooding may not be automatically covered under your policy. If you have concerns about flooding in your area, you should consider purchasing flood insurance.

If you are interested learning more about homeowners insurance and whether or not your policy offer adequate protection, please reach out to an insurance specialty at Kevin Dennis Insurance agency. We proudly serve the Mishawaka, IN area.

Motorcycle Insurance Coverage Options

Whether you own a single motorcycle or a fleet of them, whether you use them occasionally or every day, you must have an insurance coverage for them. Motorcycle insurance protects you against financial losses emanating from unforeseen circumstances such as accidents, theft, loss or damage. Again, it’s against the law to ride a motorcycle on Indiana roads without insurance. The premium you’ll pay towards an insurance policy depends on factors such as riding history, type of motorcycle, security levels of where you store your bike, usage, etc. There are many different motorcycle coverage options offered by Kevin Dennis Insurance Agency in Mishawaka, IN. They include:

Comprehensive Coverage

Covers damages caused to your motorcycle that are not due to a collision. This includes damages due to falling objects, vandalism, floods, fire, storms, and wind. You are covered for all repairs as long as they don’t exceed the actual cash value of the motorcycle.

Collision Coverage

This covers physical damages due to a collision. When your motorcycle hits or is hit by another motorcycle, object, or vehicle.

Liability Coverage

Liability coverage covers bodily injuries and property damages caused when you are at fault in an accident. Bodily injury liability covers expenses towards an injured person by paying for medical expenses, lost wages or death.  Property damage liability covers damages towards someone’s property.

Uninsured or Underinsured Coverage

Uninsured or underinsured coverage covers your injuries and those of your passengers if you get into a no-fault accident with a driver who doesn’t have liability insurance or insufficient insurance.  This coverage will also protect you against hit-and-run accidents.

These coverage options vary from one state to another. In Mishawaka, IN, finding an expert agent in motorcycle insurance will help you understand the different coverage options and how well they will work for you. At Kevin Dennis Insurance Agency, we strive to help you with all your motorcycle insurance needs. Contact us today for more information about our products and services, or if you need a quote.

How Often Should You Have Your Commercial Insurance Policy Reviewed?

Business owners in Mishawaka, IN need to have their commercial policies reviewed occasionally to make sure they have the coverage they need to protect themselves from financial loss. The agents of Kevin Dennis Insurance Agency can review your policy and identify areas where more insurance is needed. In some cases, they may be able to create an umbrella policy that will offer additional benefits at an affordable cost.

How Often Should You Review Your Policy?

While there is no normal statute as to when a policy needs to be renewed, the rule of thumb is two to three years. One reason for this is that guidelines change as to how much insurance is required for certain things, like liability and Workers Compensation. Having your commercial policy reviewed every few years will ensure that you remain in compliance with these guidelines.

What Happens If My Business Changes?

Another reason to have your policy reviewed on a regular basis is growth or expansion. If your business continues to grow each year, you will eventually outgrow your current policy making you at risk for financial loss if something happens that suddenly affects production. It’s important to maintain sufficient coverage, even during periods of continued growth.

The agents at Kevin Dennis Insurance Agency can evaluate your current policy and let you know if changes need to be made. If you live in or near Mishawaka, IN, call and set up an appointment to have your policy reviewed. The agents can help you find the right policy for your business and make sure you continue to have sufficient financial security.

When Does my Business Require a Commercial Insurance Policy?

Commercial insurance is an important protection for a business and its assets. This is especially true for small businesses, who may be susceptible to losing their entire business over authentic- and frivolous lawsuits or claims. In Indiana, commercial insurance is not required by law, but having insurance is encouraged to be proactive in protecting your business.

Indiana is a modified comparative negligence fault state. What does this mean? It means that even if the blame for an accident is fully shared, your business can still be sued- and deemed liable- for damages for up to 2 years after an accident. Kevin Dennis Insurance Agency serving Mishawaka, IN understands the importance of commercial insurance policies and how to educate- and protect- its consumers. Agents are here to help.

Having an affective commercial insurance policy in place is the only way to assure that your business is not at risk for claims that could damage your business professionally, as well as financially. Living in a digital media era, it is easy and fast for a customer to complain via social media and start a potential lawsuit just through word of mouth. Are you prepared to combat this?

A good commercial insurance policy will usually include: workers compensation insurance, lawsuits, attorney fees, business and commercial automobiles, disability for employees, theft, fire and various other natural disasters, business losses and claims. Having a knowledgeable and experienced agent on your side to guide you through securing the right policy for your company will be the edge you need to be competitive and smart in picking your policy. If you are in the Mishawaka, IN area and think you may be in need of a commercial insurance policy for your business, contact the Kevin Dennis Insurance Agency today. 

5 Ways to Childproof Your Yard for Summer

Childproofing your yard will make it a safer environment for summertime fun. Whether you’re planning fun activities for the family or getting together with neighbors and friends, the following steps can help get your yard ready for kiddie play.

Flora and Fauna

If your yard is sparse on grass, consider planting some to soften the blow of trips and falls during outdoor play. Make sure all plants in your garden are safe for kids to touch. Young kids, in particular, could get sick by touching or ingesting poisonous plants.

Upgrade Outdoor Furniture

Old patio furniture with sharp edges makes your kids more susceptible to accidents. By upgrading to child-friendly patio furniture with extra padding, you can create a safer patio environment.

Safeguard Pool

Protect your kids from accidental drowning by enclosing your in-ground pool with a security fence that comes with a lockable gate. Portable kiddie pools should be set up on level ground and emptied after every use. Even several inches of water can pose a threat of drowning to toddlers.

Lock Up Garden and Grill Tools

Designate a safe location in your South Bend, Elkhart, or Mishawaka, IN home for storage of garden tools and grill equipment when not in use to keep them well out of reach of children.

Invest in Safe Play Equipment

If you’re buying playground equipment, invest in safe, name-brand structures that are appropriate for your child’s age. Set up play equipment in a safe location away from trees and bushes and check it periodically for signs of wear and tear that could cause accidents.

Before hosting summer BBQs and parties, review your homeowner’s insurance policy from Kevin Dennis Insurance Agency in Mishawaka, IN to make sure you’re covered for any eventuality. For more information on coverage options, contact an agent from Kevin Dennis Insurance Agency today.

Information You Need to Have on Hand When Getting a Commercial Insurance Quote

If you own a business, it is highly recommended that you obtain commercial insurance. This helps to protect your business against a variety of losses including theft, employee loss and loss from fire or flood. If you have never carried this type of insurance before, you may be unsure what information you need to have on hand when getting a commercial insurance quote. Here are a few things you will want to know or have readily available when you call to get a quote.

The Number of Employees You Have

When you call in to get a quote for commercial insurance, you will want to have a rough estimate of the number of employees who work for you. Commercial insurance generally covers your employees against injuries at work, so the more employees you have, the more your insurance quote will be. Having the exact number of employees you employ on hand when you call for a quote helps to ensure the quote is as accurate as possible.

The Total Value of Product or Merchandise in Your Store

Another number you will want to have on hand when you call for a commercial insurance quote is the value of the product or merchandise you keep in your store or warehouse at any given time. This helps to ensure you get a quote that fully covers the valuables stored in your space.

The Number of Claims That You Have Filed in the Past

Lastly, if you have had commercial insurance in the past, you will want to know how many claims you have filed against this policy in the past five years. The more claims you have made, the higher your policy will be. However, an insurance company will verify this information, so providing accurate information ensures your quote is as accurate as possible.

If you are looking to obtain a commercial insurance quote, let Kevin Dennis Insurance Agency, serving the greater Mishawaka, IN area, a call. We would love to assist you with all of your insurance needs. Call us now for a free quote or to work with one of our agents to put together the policy that best meets your needs.

Mishakawa, IN insurance options

Mishawaka, IN is located just outside of South Bend, which is best known for Notre Dame University. This suburb of the infamous college town is known as a quiet place for people to live and work but those who are residents here should look into having a number of insurance policies to protect them against the unexpected. Below are some options for why you need insurance in a place like Mishawaka, IN, preferably through a provider like the Kevin Dennis Insurance Agency, who serves the greater Mishawaka area.


Auto insurance is one of the most important forms of insurance that you can opt for in Mishawaka, IN. Everyone who owns a car knows the true freedom of traveling around the Indiana area. The base insurance policies will protect you against having to pay for damages that an accident you are at fault for causes to someone else’s car or in the case of personal injury. However, your insurance agent can advise other larger forms of coverage that will protect you against having to pay for property, your own vehicle’s damage, and any lawsuits that may arise out of the collision. If you have a car, you’ll need this type of insurance.


If you have a house in Mishawaka, you will need insurance to protect where you live as well. This will cover everything from the serious storms that blow off Lake Michigan, to a fire that burns the house down, or even the exploding pipes in the dead of winter that flood the basement. Without this type of insurance, your perfect home in this sleepy suburb could become a perfect financial nightmare and quite literally leave you homeless. Talk to an insurance agent with Kevin Dennis Insurance Agency today to make sure you are properly covered.

Finding the Homeowners Insurance for Your Mishawaka, In Home

As a homeowner in Mishawaka, IN, it is important to understand the different types of homeowners insurance available. Insurance is an important asset to own in the event of financial loss due to an accident, certain acts of nature, or theft that may take place on your property. You need to have the correct level of coverage for your home; a discussion with an independent agent for the Kevin Dennis Insurance Agency, Mishawaka IN can help you determine how much insurance you need and if you have the proper amount.

Types of Homeowners Insurance

There are different types of homeowners insurance coverage. The basic type of policy, HO-2, provides coverage for a variety of loss types. These include loss caused by fire or smoke damage, explosions, lightning, hail and windstorms, theft, vandalism, and any damage from vehicles or an aircraft. The basic form will also cover a financial loss that can occur from riots and civil commotion, and even a volcanic eruption, although a nonexistent risk to your Mishawaka, IN home.

Damage from floods and earthquakes are not covered under your standard homeowner’s policy. The risk of loss for floods requires the acquisition of flood insurance through the National Flood Insurance Program, a part of the Federal Emergency Management Administration (FEMA).

How Much Insurance Do I Need for My Mishawaka, In Home?

According to the State of Indiana Department of Insurance, 80 percent of your home’s replacement value should be covered by your homeowner’s insurance. This amount represents the full replacement of your home in the event of a total disaster (such as the case of a catastrophic fire that causes total damage to the home), less the deductible you pay. The best way to determine the replacement value of your home is to work with one of the independent insurance agents for the Kevin Dennis Insurance Agency to proper coverage and the peace of mind in knowing that your home is covered.

When to Update Your Home Insurance in Mishawaka

If your home insurance policy is looking a little dusty, you may want to think about giving it a makeover. If you live in Mishawaka, IN, then Kevin Dennis Insurance Agency has a few tips about renewing.

When You Spend 

The best time to renew your policy is when you start to spend big bucks on your home. Indeed, you’ll want to renew if you do a significant renovation to your home. So if you put in granite countertops or expensive bathroom fixtures, you’re going to want those to be covered if they’re damaged in a storm or act of vandalism. But you’ll also want to update your policy if you’ve bought new electronics, art or jewelry. You will never be able to predict how those things might be destroyed in some way, so it’s worth updating your policy to ensure that they can be replaced.

When You Don’t 

The truth is that your home insurance may need to be updated even if you haven’t changed anything major to the house. Many people don’t know exactly how much is covered when they initially signed their policy, only choosing the cheapest possible premium available. This can end up costing you more than you think. If the possessions inside your house aren’t covered, will you be able to replace your television, phone, and stereo? Or will you end up having to work the next few months just to be able to afford to buy the things you had already purchased in the past?

Kevin Dennis Insurance Agency serves the people of Mishawaka, IN, and wants you to be able to keep the things you own. If you need a new home insurance policy or are just looking for a quote, give us a call today.