The Danger of DUIs: How Alcohol Related Driving Offenses Can Severely Impact Your Car Insurance

Being convicted of a DUI or other alcohol related offense can not only bring criminals issues, but it can also cause significant problems with your car insurance. At Kevin Dennis Insurance Agency in Mishawaka, IN, they know how these offenses can cause higher rates and even problems with obtaining coverage. If you are convicted of an alcohol-related offense:

Your Insurance Company Will Consider You a High-Risk Driver

If you are found guilty in a drunk driving related accident, your are regarded as a high-risk driver for five to ten years. If you have your license suspended due to your conviction, you will be required to produce an SR-22 form proving that you have been insured as a high-risk driver to obtain reinstatement. Once labeled a risk, your insurance may be impacted in multiple ways including:

  • Higher Premiums –  Your premiums are primarily determined by your driving risk which is assessed by your previous driving record.  A drunk driving charge will result in a significant increase in premiums as the company will feel you are more likely to be involved in an at-fault accident.
  • Fewer Choices – High-risk drivers may find they have fewer options when it comes to choosing an insurance company. Depending on the rest of your driving record, companies may refuse to insure you.

Your Insurance Could Drop You

While paying higher premiums can make owning a car cost prohibitive it is better than the alternative. If you are convicted of drunk driving, your insurance company may choose to no longer insure you. The state of Indiana requires minimum liability coverages to allow you to retain a license in the state, so being dropped from your insurance company can result in being unable to drive legally in the state. Once you have been dropped by insurance, it may make finding a new one difficult as well.

If you have been charged with an alcohol-related offense or want more information on what it means to be a high-risk driver, contact the knowledgeable agents at Kevin Dennis Insurance Agency in Mishawaka, IN today.

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 TO PROTECT YOU ON THE ROAD

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.

HOME INSURANCE TO PROTECT WHERE YOU LIVE

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.

What to Know About Auto Insurance Limits in Mishawaka

State limits exist in practically every state for auto insurance. What this means for you is that there is a cap on how much insurance will pay for damages. Regardless of the type of insurance, you have though, it’s your responsibility by law to pay for the damages from an accident. When it comes to Indiana, Kevin Dennis Insurance Agency wants you to have the facts in hand before you decide to get the bare minimum. 

Bodily Injury and Property Damage in Mishawaka, IN

If you’ve injured people in an accident, the limits for Indiana are $25,000 for each person, with a $50,000 cap for the entire accident if multiple people were injured. If there was property damage involved, the limits are $10,000. While this may seem like a lot of money, the bills that add up after accidents can quickly end up exceeding these limits. When people are injured especially, they may have lingering problems that mean a lifetime of treatment. For example, if the person you hit develops chronic back pain, you may be paying more than you bargained for which may eventually land you in major debt.

A Better Way 

Instead of leaving your financial future to chance, talk to the expert staff at Kevin Dennis Insurance Agency. Instead of scaring you, it’s our job to put your coverage into perspective. Should you choose to leave your policy as is, you should at least understand the risks of your decisions. Too many people call their insurance agency assuming that their policy will help, and that’s the wrong time to find out about it. If you live in Mishawaka, IN, give us a call to find out more about what you can do to be a more responsible driver. 

 

What is the “Right” Amount of Insurance for Me?

Determining the correct amount of insurance to get on your home can be a difficult task. If you have more than you need, premiums can be through the roof, but if you have less, you may not be covered when disaster strikes. At Kevin Dennis Insurance Agency, we are here to help those in the Mishawaka, IN area to determine the right amount of insurance to fit your specific circumstances.

There are four things you need to be sure to have covered: your home itself (the structure), your possessions, living expenses if you are forced to go somewhere else due to home damage, and any liability to others.

An accurate way to determine the amount of coverage you need for the structure of your home is to multiply the total square footage by the local construction costs, which can be determined with the help of your agent at the Kevin Dennis Insurance Agency. Through a standard homeowners policy, damage as the result of most natural disasters and theft are covered, though impairments resulting from floods and earthquakes is not. An inflation guard may be added to your policy to reflect the current costs of construction in Mishawaka, IN. Older homes may be difficult to insure due to the expense of replacement materials, and therefore you may have a policy that replaces housing components with modern (less expensive) building materials.

To determine the best amount of insurance you need for personal possessions, a home inventory is in order. Make a detailed list of all your belongings that need to be replaced if damaged by fire, theft, etc. You can decide if you are more comfortable with an actual cash value policy, which will cover the cost of possessions minus depreciation, or replacement cost policy, which repays for items in full, regardless of depreciation.

Lastly, your liability portion covers against lawsuits by others due to injury at your abode, or significant damage caused by pets. Your representative at Kevin Dennis Insurance Agency will help you determine an appropriate amount for you.

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.

Preparing your Mishawaka, IN home for winter

Winter is coming, and you need to ensure that your home is prepared.  There are maintenance tasks that you regularly perform to ensure that your home is kept up.  Winter weather, however, presents its unique challenges.  To ensure that your most valuable asset is protected, completing these tasks will reduce the wear and tear during winter.

Roof:  During the fall season, check the roof for any shingles that are missing or show damage.  Follow this with an inspection of the metal eave flashings.  Taking care of these potential problems while the weather is warmer can prevent them from developing into major issues when winter weather hits.

Pipes:  Take a walk around the exterior of the house and make sure that all pipes are wrapped securely and protected from ice and snow.  This will prevent them from freezing during the winter months.

Gutters:  The best time to inspect and clean a home’s gutters and down spouts is while the weather is still mild.  Clean gutters protect the exterior and foundation of a home by directing water and ice safely away from the walls.  Gutters that are filled with debris can cause them to become clogged with ice during winter weather.

Fire Extinguishers:  Fire extinguishers needs to be checked annually.  The pressure gauge should show that the unit is fully charged.  Take the time to ensure that every person living in the home understands how to operate the extinguisher.

Finally, spend some time reviewing the home insurance policy.  As your needs change, your policy will need to be adjusted.  You can easily compare policies online at Kevin Dennis Insurance Agency.  The professionals at Kevin Dennis Insurance Agency serves the needs of homeowners in Mishawaka, IN.  They will ensure that you have the coverage your family needs.

Staying Up to Date With Your Home Insurance: Tips for Renewing

When you’ve already purchased your home owner policy, it’s tempting to just let it go for a while. After all, if it isn’t broke, then why fix it? However, home values change over time and so do rates, which makes it worth your while financially to stay on top of it all. When you want to make your policy current, keep these tips in mind from Kevin Dennis Insurance Agency. 

Update Your Home Values 

If you’ve added on an addition to your home in Mishawaka, IN, say you converted your garage into a den or put on a new bathroom, you likely already know that you need to call your provider and let them know. Otherwise, if something happens to all the work you’ve done, it may not be covered and you’ll essentially have done all that work for nothing. However, many people buy expensive art, furniture or electronics and never think that their home owners policy may need to be updated. These possessions can quickly add up, and if your limits don’t reflect the actual value of what’s in your home, you may end up regretting it should there be a theft or other damage to what’s inside. 

Ask Questions 

Kevin Dennis Insurance Agency serves Mishawaka, IN, and we’re here to be of service to you. The best thing you can do when you update your home insurance policy is to stay involved with the process. We can take you through each clause, and help you write in certain requests that are specific to you and your home. Whether you’re looking to renew or just looking to see if it makes sense to do so, give us a call to talk to our agents for more information today. 

Moving to Mishawaka, IN? You Need Home Insurance Quotes!

Anyone moving to Mishawaka, IN knows that having a home means making sure that home is protected. There are a lot of ways you can do that, and one of the best is through good homeowners insurance. To get the right insurance for your needs, you will want several quotes. You could go around to all kinds of companies, asking questions and providing information, or you could contact Kevin Dennis Insurance Agency, instead. Serving Mishawaka and the surrounding area, their independent agents can give you quotes for a number of different companies, so you can choose the home insurance that is going to be right for your particular needs, lifestyle, and budget.

There are many options for homeowners policies, and they are not all the same. Additionally, Indiana has requirements for the level of insurance you need to have if your home has a mortgage. That protects the lender, and you want to make sure you are providing that lender with the right policy so you do not end up getting charged for additional insurance. Whether you have a mortgage on your home or not, though, the right insurance to protect your investment and your belongings is crucial to good peace of mind. Trusted agents can make a big difference when you have insurance questions, as well.

In order to make sure your home is protected, reach out to Kevin Dennis Insurance Agency today and let their independent agents give you quotes for several different companies and policies. Then you can pick the one you really want, and get the insurance buying advice you need from a knowledgeable source. That not only provides peace of mind, but can help you save money and also make it easier for you to make adjustments to your home insurance policy as your future needs change.

The Benefits of Buying Life Insurance with an Insurance Agent

When you are in the market for life insurance, knowing what you need can be tricky. Beyond the terminology, there are a lot of options for you. You can choose different types of life insurance, and you can choose different agencies. At Kevin Dennis Insurance Agency, we’ve found one of the best ways to buy life insurance is by using a licensed insurance agent.

Licensed Insurance Agents Can Match Your Needs

You buy products and services because you have a need. Although you know you need life insurance, purchasing life insurance with an agent can help you flesh out all of your needs, so that you buy the best policy for your situation. In fact, based on your finances, a life insurance agent can help you choose a policy that fits perfectly in your budget.

Insurance Agents Can Help You Understand Your Policy

Another reason insurance agents are great when it comes to buying a life insurance policy is because they can help you decipher what it is you are getting with your policy. There is no doubt, the language weaved in your insurance policy can be intimidating. In fact, if you don’t have experience with life insurance, you may find that it’s hard to determine what’s covered and what’s not. Fortunately, with the assistance of a life insurance agent from Kevin Dennis Insurance Agency, you can rest assured knowing that you chose the policy that is best for your family.

Insurance Agents Are Great During Annual Reviews

Most people purchase a life insurance policy, and then they leave it for years. Unfortunately, when you fail to maintain your life insurance policy, you could inadvertently hurt yourself. By working with a professional, you get the benefit of annual reviews. During the annual review, your agent will look for ways to make your policy better, save you money, and check to ensure you have enough insurance.

You don’t have to find a life insurance policy on your own. With the help of a professional life insurance agent at our offices in and around Mishawaka, IN, we can find the perfect policy for you. Visit us at our website to learn more about the different life insurance products we offer.