What First Time Home Buyers Must Know About Home Insurance

Taking the keys to your first home and opening the front door is one of the most energizing and validating experiences in American life. To see the value of your hard work manifest in a physical location means a lot, especially the first time it happens. 

While you revel in the experience of being a new homeowner, consider taking the time to learn about what the right home insurance can do for you. 

The easiest way to learn about home insurance is to call Kevin Dennis Insurance Agency. Your dedicated insurance agent will patiently explain homeowner insurance to you, and get you started on your homeownership journey.

Coverage

The coverage your home requires depends on several factors. 

Your home insurance should cover the cost of replacing your home. If you purchased your home using a mortgage loan, your mortgage provider might require that your coverage equal 80% of the cost to replace your home.

Deductible

Home insurance policies typically require the payment of a deductible if the policy needs to cover a loss. When purchasing a home, it’s essential to consider the amount you will be willing to pay in deductible, should you need to utilize the policy to cover damage or loss.

What is Not Covered 

Most homeowner insurance does not cover flood damage, as flood insurance is issued separately. Call Kevin Dennis Insurance Agency to learn more about what is and is not covered by a typical homeowner insurance policy. 

Your Mishawaka, IN Home

Whether your first home is a condo, a townhome, or a single-family home, your family will be delighted to organize and decorate– knowing this place will be your very own for years to come. Watch your daughter’s room change as she moves from figure skater posters to boy bands. Your wife will love selecting window treatments for the front room and choosing the perfect tile backsplash for the kitchen.

But before you get cozy in Southbend or Mishawaka, IN, contact Kevin Dennis Insurance Agency for a free home insurance quote. Make a choice to protect yourself and your family today. 

Common Mistakes Made by New Motorcycle Riders

As a new motorcycle rider, it’s only natural that you make some mistakes as you grow accustomed to your bike and learn the ins and outs of city and highway riding. Motorcycle insurance from Kevin Dennis Insurance Agency in Mishawaka, IN will provide some protection against accidents on the road. By avoiding the following mistakes you can also reduce your risk of harm.  

Not Taking Motorcycle Training

Motorcycle training can help you learn valuable riding skills and techniques that will keep you safe on the road. You’ll have a chance to practice these skills in a safe, controlled environment. You can also learn riding tips from experienced instructors that can help you be a safer, more proficient rider.

Not Investing in Protective Gear

Not investing in protective gear to save money can be a tragic mistake for new riders. Motorcycle gear like a DOT helmet, leather jacket with elbow protectors, motorcycle gloves and a solid pair of boots that provide ankle support can protect you from major injuries in the event of an accident. As an inexperienced rider, you’re more prone to having an accident, so suiting up properly is a must.

Getting a Bike that’s More Powerful than You Can Handle

As a new rider, you need a bike that maneuvers easily and is easy for you to control for city and highway riding. As you become more experienced, you can always upgrade your bike to a more powerful model. If you make the mistake of buying a bike that’s beyond your capability of controlling due to your limited riding experience, you’re more susceptible to causing an accident.  

By making wise riding decisions, you can enjoy your motorcycle to the full with a reduced risk of accidents. When you’re ready to purchase motorcycle insurance, contact Kevin Dennis Insurance Agency in Mishawaka, IN for the protection you need.

Tips for Buying Commercial Insurance in Indiana

Owning a business comes with many perks: you’re your own boss, you work your own hours, and you can take a vacation whenever you want. Freedom comes to mind when thinking about business owners and entrepreneurs. To protect your business and your freedom, it’s crucial to maintain a commercial insurance policy. To help you get started with this process, Kevin Dennis Insurance Agency in Mishawaka, IN put together these three simple tips.

1. Work with a Reputable Insurance Agent

Before diving into the world of commercial insurance, it’s best to contact a reputable insurance agent. This individual will help you choose the right policy for your business needs and find you savings. Our reliable agents work with customers through the entire process by answering questions, comparing quotes, and pointing out the small details.

2. Compare Several Insurance Quotes

Because each commercial insurance quote is different, it’s important to compare each one carefully. An agent will help you with this so that you understand each policy and what it offers.

3. Bundle Your Insurance Policies

A great way to save money on a new commercial insurance policy is to bundle it with your other policies under one insurance carrier. Your auto, life, home, recreational, and other insurance policies can all be grouped together, saving you money on your premiums. Be sure to go over this with your insurance agent.

To learn more about purchasing a commercial insurance policy in the South Bend and Mishawaka, IN areas, contact the Kevin Dennis Insurance Agency. Our friendly, reputable agents are ready to accept your call and help you get started on your way to protecting your business or company.

 

 

How to create a home inventory

Owning a home comes with plenty of work and worries. You update your home to fit your needs and you have good home insurance to protect you in the event that something bad happens. But, if something bad does happen, are you prepared to be able to tell the insurance company all the things that you had in your home before the damage occurred? When you file a claim, you need to account for your possession if you want to be able to make sure that you are able to replace everything that you had. If you live in or near South Bend or Mishawaka, IN, the Kevin Dennis Insurance Agency can help you to understand the value of a home inventory.

Why Do I Need a Home Inventory?

Creating a home inventory is going to take some time. The more detailed your inventory, the better. Begin by taking photos of every room in your home. Take a few photos of each room from different angles. Then list the items in the room one by one. The more information included the better. Brand names, models, and serial numbers should be included. If you have the sales slip for the item, even better, attach it to the inventory. 

If you have expensive items, it is wise to include an appraisal. Once you have done all the rooms, do the attic and basement. Open closets and cupboards. When everything is documented, place your papers in a safe place preferably off the premise. At the very least, place it in a water and fireproof container. 

A home inventory is one of the single most important documents that you can have when you are filing a claim for a covered hazard on your home. At Kevin Dennis Insurance Agency, we offer the residents of South Bend, Mishawaka, IN, and surrounding areas the benefit of our years of insurance experience. Give our office a call or stop by for a no-obligation quote.

How Does Motorcycle Insurance Work?

Kevin Dennis Insurance in Mishawaka, IN knows that your motorcycle is an investment and an essential part of your life. For that reason, we want to be sure that you understand your motorcycle insurance coverage options and get the best coverage for your needs and personal lifestyle. 

Motorcycle insurance is similar to auto insurance. It provides you with coverage and financial protection in case of an accident, theft, damage, and loss. Like auto insurance, you can customize your policy from liability insurance up to full coverage. Here are some things that motorcycle insurance can cover:

  • Medical payments in case you need medical care or hospitalization
  • Uninsured and underinsured motorists for accidents involving another party that is not insured or is not insured enough to cover all costs associated with the accident when they are at fault
  • The replacement cost of your bike if it is totaled
  • Comprehensive coverage that takes care of damages sustained outside of an accident, such as weather damage, theft, vandalism, and more

While it is important- and required- that you carry liability insurance when you are on the road, additional coverage is up to you. The particular location you live and your personal lifestyle may make you want specific additional coverage while not being concerned with others. 

This is why it is crucial to work with an insurance agent who is willing to sit down with you and understand your questions and personal concerns. Here at Kevin Dennis Insurance Agency in Mishawaka, IN, we are dedicated to helping you obtain the coverage you want and need. Stop by or give us a call today to customize your motorcycle insurance policy!

 

When to Talk to an Agent About Your Indiana Homeowner’s Insurance

From newborn babies to employment changes, life rarely stays the same for long. When change is the only constant, flexibility becomes an accurate measure of strength.

How reliable is your homeowner’s insurance?

If you’ve recently experienced any of these adjustments in life circumstances, it may be time to schedule a meeting with the experts at Kevin Dennis Insurance Agency to ensure your Mishawaka, IN home is fully covered.

  • Birth or death in the family – Changes in your dependents directly affect your potential payouts, especially if the primary dependent is unable to collect due to death or other circumstances. Make sure your qualified dependents are up-to-date by talking to your insurance agent.
  • Change in marital status – Getting divorced or joining households with a new spouse means changes to your credit score. This, in part, affects your premiums and other aspects of your homeowner’s policy.
  • Starting a home-based business – Working from home is a dream come true for many. However, your commercial activities may not be covered by your regular policy. Your agent can help you come up with a plan that includes all of your bases.
  • Renting your extra property – Do you own multiple residential properties? Renting out an old home is a great way to earn a side income. However, being a landlord comes with a different set of risks. Create a new plan with your agent that protects your finances and your renters.
  • Employment changes – Whether you’re taking advantage of a well-deserved retirement or changing careers in mid-life, changes in your employment status usually mean changes in your finances. See how these fluctuations affect your long-term financial plan by scheduling a meeting with your insurance agent.

The experts at Kevin Dennis Insurance Agency offer more than claims assistance and new policies. Contact our Mishawaka, IN area offices to learn how little life changes might affect your Indiana homeowner’s insurance.

Does Home Insurance Cover A Roof Collapse As A Result Of Snow?

Mother Nature is both unpredictable and destructive, which is why it is crucial to be prepared for anything. Homeowners can arm themselves with quality protection in the form of comprehensive home insurance that can help cover expenses incurred as a result of storm damage. This damage may even come in the form of snow accumulation on the roof, which may cause the roof to collapse. 

Preparing For Heavy Snow

People who live in areas where there is potential for heavy snow accumulation should be well versed on what their insurance policy will cover in the event of a roof collapse. Keep in mind that most home insurance will cover the damage to the home, but unfortunately, the coverage may not include the water damage from melted snow after the collapse. Consult with the insurance agent before selecting the policy and find out if additional protection from melted snow damage is available and which options could work best. 

Work With Experienced Agents

Part of the process of protecting property is choosing the right insurance policy, which is why those who live near the South Bend or Mishawaka, IN area should be prepared before heavy snow arrives. Homeowners can get a better picture of what the options are, and which provides the most complete coverage by working with Kevin Dennis Insurance Agency. If additional insurance products are necessary, we can point this out and walk the customer through the process of discovering which additional measures work to offer comprehensive home protection.

People who live in or around the South Bend or Mishawaka, IN area, should call or stop by Kevin Dennis Insurance Agency to find out more about ways to protect a home from damage to the structure. Planning in advance can help save thousands in the event of a roof collapse during the winter months. Contact us for a quote.

How Does Motorcycle Insurance Work

When you buy a new car, truck, SUV, or motorcycle in Mishawaka, IN, it is crucial that you protect your new asset with the right insurance coverage. The majority of people own a car or truck, but not near as many own a motorcycle, which may explain why there is often some confusion surrounding motorcycle insurance. However, just the same as a regular vehicle needs insurance, your motorcycle needs coverage, as well. Here at Kevin Dennis Insurance Agency, we take pride in being a company that sells quality motorcycle insurance, and we’d like to explain how this type of coverage works.

Is Motorcycle Insurance Similar to Car Insurance?

Insurance on a motorcycle is quite similar to putting insurance on a car, truck, or SUV. However, it’s pertinent to understand that an auto policy will not cover a motorcycle. You will need an actual motorcycle policy.

Insurance companies understand that you are much more likely to have one or more passengers in a regular vehicle versus riding on a motorcycle, and this is why motorcycle insurance requires different types of coverage. Plus, motorcycles aren’t usually driven as much as regular vehicles, which is another factor that will be taken into account when the insurance company determines your premium. You should note, however, that injury from a motorcycle accident is likely to be much more severe than an injury through a car accident, which is why injury protection coverage on a motorcycle is sometimes higher than what you’ll pay for the same coverage on a car, truck, or SUV.

Want to learn more about motorcycle insurance and how to get a policy that meets all of your needs? Contact the Kevin Dennis Insurance Agency serving the Mishawaka, IN area today to speak with one of our qualified agents.

 

How to Utilize Commercial Insurance for Personal Businesses

Running a personal business in Mishawaka, IN – or anywhere for that matter – requires a lot of personal commitment and investment in high-quality commercial insurance. If you aren’t sure how to utilize these policies, please contact us at Kevin Dennis Insurance Agency to learn more.

Choose Options That Cover You Fully

The hardest thing about getting commercial insurance for your personal business is the fact that many policies are designed for larger companies. For example, if you work alone, you’re not going to need to pay workers’ compensation insurance or disability to yourself.

And if your flow of income is somewhat lower than other large companies, you typically won’t be able to afford the kind of high price that is common with some types of policies. Thankfully, you can perform a few simple tweaks to ensure that you don’t pay too much.

Adjust Your Payments, As Needed

One way to best utilize your insurance is to adjust your payments to meet your income and your other payment demands. This step is easier than you might think if you’re smart about how you balance your budget. For example, you can tweak your premiums lower to avoid excessive payments.

Watch out, though, as lowering your premiums will increase what you have to pay before your insurance kicks in for you. A good idea, here, is to use lower premiums until you start making more cash and then dropping them some to decrease your insurance copays.

Talk to Us to Get Help

So if you think you need help with your commercial insurance in Mishawaka, IN and you don’t know where to turn, please contact us at Kevin Dennis Insurance Agency to learn more. We can help utilize your commercial insurance to the best of your needs and help you avoid excessive payments.

Air Duct Cleaning

In recent years, air duct cleaning companies have sprung up everywhere, convincing people that their home’s air ducts are disgusting, and the key to good health is to have the ducts cleaned and sanitized. But is commercial air duct cleaning in Mishawaka, IN worth the money or is it a scam that many homeowners fall for? Read these thoughts from Kevin Dennis Insurance Agency to determine whether or not you should have your home’s air ducts cleaned.

Surprisingly, studies have never proven that the air quality in a home is improved by air duct cleaning. Neither have studies indicated that the home’s air quality is poor because the ducts are dirty. In general, experts say that most of the dirt in the air ducts sticks to the surfaces of the HVAC unit and ductwork and does not actually enter the home. In fact, experts say that pollutants from outdoor and indoor activities have a greater impact on the home’s air quality than dirty ductwork. For instance, things like having pets, smoking, cooking, and cleaning have a greater impact on the home’s air quality than having dirty air ducts. Additionally, no studies have proven that the typical amount of dust floating in the air in the average home is a health risk. 

There are some cases in which home air duct cleaning may be worthwhile. If you have had flooding or dampness leading to mold growth in your ducts, cleaning is definitely worthwhile. However, you should keep in mind that cleaning the mold won’t be enough. Unless you fix the problem that leads to mold, the problem will recur. If you have recently remodeled your home, you may want to clean the ducts. Drywall dust can get everywhere and your home’s ducts may be pumping dust throughout the house every time the furnace comes on. If your home has a vermin or insect infestation, you probably should have your ducts cleaned as a part of the extermination process. Additionally, if you recently bought the home and you have pet allergies and the prior owner had indoor pets, a duct cleaning can help you stay more comfortable in your house. 

While in general, home experts don’t recommend air duct cleaning as a regular part of home maintenance, this task is not necessarily something that is bad for the HVAC unit either. Most of the time, air duct cleaning is something that the homeowner can decide on for himself. 

If you live in the Mishawaka, IN area and have questions about your homeowner’s insurance, contact the Kevin Dennis Insurance Agency.