Does Home Insurance Cover Your Personal Property?

Homeowners insurance is an important policy with different coverage options that protect your largest asset from claims and financial liabilities. However, protecting your personal assets in your home is also prudent. These are the possessions you’ve worked your entire life for, and they are worth preserving. Do generic homeowner policies protect your personal property, though? 

According to the Indiana Department of Insurance, homeowners insurance will cover some of your family’s personal property. These items include furniture, rugs, clothing, and appliances. However, you may not be able to attain insurance that will protect 100 percent of your personal property. The percentage of coverage you receive will be stated in your policy. It is important to document all of your personal property though, in case you have to file a claim for reimbursement. 

Sitting down with a qualified insurance professional at Kevin Dennis Insurance Agency in Mishawaka, IN is an important first step in protecting your home and assets. There are different types of homeowner policies, and knowing the nuances of the industry and available options is key for optimal protection. Working with a diligent professional that understands your needs can have a huge impact on your insurance policy. Your risk mitigation strategy should include using an insurance agent that will work with you to help preserve your financial well-being, in an efficient and cost-effective method. 

To learn more about home insurance and coverage options, please contact Kevin Dennis Insurance Agency in Mishawaka, IN today. The right insurance policy can help protect your home and personal assets while giving you peace-of-mind. Look to insurance professionals that understand the nuances of home policies for guidance and effective risk mitigation. 

 
 

What is a partial helmet law?

Motorcycles are everywhere. More and more residents who live in the Mishawaka, IN area are jumping on the bandwagon to enjoy some wind therapy. The agents at Kevin Dennis Insurance Agency encourage all of the clients who own or ride motorcycles always to wear a DOT-approved helmet. Helmets are designed to prevent head injuries and are proven to save lives.

What Is a Partial Helmet Law?

Indiana has a partial helmet law in place. This means that even though everyone is encouraged to wear a helmet while they are riding, only select groups are required to. In the state of Indiana, riders who are under the age of 17 are required to wear a DOT-approved motorcycle helmet at all times while riding. This includes dirt bikes and other low-power bikes like mopeds. 

Why Helmets Are So Important

Since the early ’70s, studies have been used to prove that wearing a motorcycle helmet reduces the risk of injury and death if an accident occurs. While there are still some states like Illinois and Iowa, that have no helmet law in place, other states have chosen to enact some form of law governing their use. Indiana is one of 28 states that have what is known as a partial helmet law.

The agents at Kevin Dennis Insurance Agency can provide motorcycle owners who live in or near Mishawaka, IN all of the information they need to know concerning helmet laws in the state of Indiana. They can provide statistics on how helmets save lives as well as the benefits of consistently wearing your helmet when you are out riding. Call and schedule your appointment at your earliest convenience and get your motorcycle policy reviewed by one of our professionals.

 

How does commercial insurance work?

First of all, you should know there are numerous types of commercial insurance. Some include the following: Commercial property insurance, commercial auto insurance, commercial asset insurance, commercial service insurance, commercial liability or risk insurance, general or business commercial insurance, commercial renter’s insurance, commercial law insurance, commercial crime insurance, commercial E & O insurance, commercial malpractice insurance, commercial workers’ comp, insurance, and more. We hope this has at least given you a broader perspective into the many sections, and even subsections, that commercial insurance can branch off into and it can get a little complicated the further you get into a matter. Let’s start by taking a look at a few of these mentioned.

For example, let’s take "commercial debris removal insurance," something many people today purchase. It falls under commercial services insurance and helps the insured to cover any costs that may associate themselves with removing all debris needed in a particular area. Let’s say a major wind storm, flood, hail storm, or fire just occurred leaving your building damaged or gone. Now, before starting to rebuild, it’s needed that you properly get all debris removed, in order to comply with legal building ordinances. And to further add, the regular commercial property insurance you currently hold is probably effective in terms of covering your major rebuilding costs, but definitely not when it comes to debris removal.

Another example is commercial E & O insurance. Let’s say you or a team member of your organization inadvertently harms a third party. And on a larger scale, this type of coverage excels commercially. Think "corporate."

There is a great commercial insurance provider in Mishawaka, IN. They go by the name of Kevin Dennis Insurance Agency. Check us out today. It just might help with your current insurance needs.

How to Know You Have Adequate Coverage For Your Home

Do you know if you’re buying the right kind of home insurance policy for your South Bend or Mishawaka, IN home?

Sometimes, the most basic policy is not the right one for you. Also, the most expensive policy might be too comprehensive for your needs. Use these tips to figure out which coverage from Kevin Dennis Insurance Agency is right for you.

1. Do You Live On A Flood Plane?

If your home is located near a river or another body of water, you might like to invest in flood insurance.

Flood insurance is always a separate purchase from your standard home coverage policy. In fact, some states require the purchase of flood insurance by law. This is especially true if you’re paying for your home via a mortgage loan.

A standard home insurance policy covers basic damages due to a house fire or a break-in, but water damage is not included in that type of coverage.

2. How Safe Is Your Neighborhood?

If you live in a statistically safe neighborhood where property crime is infrequent, then you probably have adequate coverage in the basic type of home insurance policy. Basic home coverage includes reimbursement for theft and some types of disasters (such as fires), up to a maximum amount depending on your individual policy limits.

If you live in a town where property crime is prevalent, however, you might be interested in itemized coverage. This type of coverage requires you to take inventory of your possessions, from the most valuable to the most mundane. This inventory includes valuation and pictures. You can then be reimbursed for your specific belongings.

3. Do you have pets?

If furry friends are a part of your family, your home insurance coverage may be affected. Typically, a standard home insurance policy does not cover most damage caused by dogs and cats. If your dog chews through to your drywall or severely scratches your hardwood floor, for instance, you may not be able to collect on a claim.

You can find home coverage that includes damage caused by animals, or you can purchase additional liability insurance. Home liability insurance usually covers damage done by the pets of your visitors, however.

Furthermore, certain dogs may void your standard home insurance policy. If you have a German Shepherd or a Pitbull, for instance, this may automatically go against your policy.

Purchase Your Ideal Home Insurance Policy

Learn more about how to protect your home in South Bend or Mishawaka, IN with the appropriate amount of coverage. Call a friendly Kevin Dennis Insurance Agency representative with any questions you may have. We will guide you to the policy that best suits your circumstances.

3 Questions To Ask Before Buying Motorcycle Insurance

Are you planning on owning a motorcycle soon?

If so, you’re probably shopping around for motorcycle insurance in Mishawaka, IN, and wondering what your coverage might entail. Before you purchase a policy, here are three questions you should know the answers to. These answers aren’t specific to any Kevin Dennis Insurance Agency policy, in particular, so you can apply them to whichever type of coverage works best for you.

1. What Is the Minimum Liability Coverage I Need?

In the state of Indiana, the following minimum liability is required in order to register your bike with the Department of Motor Vehicles. The absolute minimum coverage you can legally ride with is:

  • 10 thousand dollars to cover property damage
  • 25 thousand dollars to cover bodily injury for one person per accident
  • 50 thousand dollars for bodily harm per accident for multiple people.

The state of Indiana also requires you to carry liability coverage for uninsured and underinsured persons, in case you are injured in an accident by someone who has insufficient coverage.

2. Does My Insurance Coverage Change Based On Whether I Wear A Helmet While Riding My Motorcycle?

In Mishawaka, IN, you can legally ride your motorcycle with or without a helmet as long as you are 18 years or older. That is the state law regarding helmets.

However, this does not necessarily apply to private insurance policy requirements. For instance, your insurer might require you to wear a helmet in order for your coverage to be in effect. You should ask your insurance agent whether no helmet at the time of an accident means that your coverage is void.

3. Do I Need Motorcycle Insurance To Ride My Motorcycle in the state of Indiana?

In order to register and ride your bike in Indiana, you have to show proof of motorcycle insurance at the state’s Department Of Motor vehicles. If you don’t have adequate coverage and therefore cannot register your bike, you are not legally allowed to ride it.

Are you ready to insure your motorcycle? Contact a friendly agent at the Kevin Dennis Insurance Agency to explore your options. We’re standing by to help you today.

Insuring Your Commercial Fleet

Indiana state law requires that company vehicles from small cars to 18 wheelers carry, at the very least, a minimum amount of liability insurance. Company vehicles which carry passengers or haul a significant amount of weight may require a much higher limit of liability then personal vehicles. Most Commercial Fleet Insurance policies cover “named drivers” only. Kevin Dennis Insurance Agency in Mishawaka, IN serves businesses throughout Indiana and has extensive experience insuring commercial vehicles. We will develop a personalized commercial fleet insurance plan to ensure the protection of your company’s assets in case of a significant motor vehicle accident involving one of your company’s vehicles.

Indiana Commercial Vehicle Minimum Liability Coverage

Indiana state law requires a minimum liability coverage amount of 25/50/25 for all drivers. This translates to coverage of $50,000 for bodily injury for all persons injured or killed in an accident if multiple persons are injured, $25,000 coverage for bodily injury if one person is injured and $25,000 coverage for property damage.

Optional commercial Vehicle Coverage

Some optional coverages include comprehensive coverage, medical payments coverage, and collision coverage:

  • Comprehensive coverage covers damage to your vehicle other than from a car accident. This pays for repairs or replacement of the vehicle and includes theft, damage from vandalism and fire damage
  • Medical Payments coverage covers accident-related medical or funeral costs of any covered driver or passenger without taking fault into consideration
  • Collision coverage covers costs to repair your vehicle when involved in a collision

Call or Contact us Online Today for a Free Commercial Fleet Insurance Quote

Call today at 574-254-7070 or contact us at https://www.bettercoverages.com for a free commercial fleet insurance quote. Kevin Dennis Insurance Agency, serving clients throughout Indiana, stands ready to work with you to provide affordable and comprehensive commercial vehicle coverage. 

What To Do In Your Home When the Temperatures Drop Below Freezing

One of the biggest concerns of homeowners when the temperatures drop below freezing is frozen pipes. Temperatures in Mishawaka, IN can drop below freezing, and it’s good to know what to do when it happens. At Kevin Dennis Insurance Agency, we know all too well the damage that can happen if you don’t protect your home from freezing temperatures.

Frozen Pipes and Other Issues

If you have exposed pipes, such as those that could be found in a garage or attic, wrap them with pipe insulation to prevent freezing. If you’re in a pinch and don’t have materials or time to wrap your pipes, a quick temporary fix is to aim a heat lamp on the exposed pipe. Always keep a close eye on this, however, as you don’t want it to get too hot and start a fire.

Another common tip when temperatures drop low is to leave your faucets running at a slow drip. This is especially important in garages and basements where it may be cooler. Doing so keeps the water moving, so it is less likely to freeze. Another great tip for the pipes inside your home is to leave any cabinets or closets that contain pipes open, so the heat from your home reaches the pipes.

If you are going away, make sure you follow all of the above tips and also be sure to keep your heat on. If you turn your heat off completely, you just might come home to broken pipes and a flooded home.

In the unfortunate event you do have a pipe burst, shut off the main water valve to your house as soon as you realize the pipe has burst. If you recognize that a pipe is frozen, but it has not yet exploded, you might be in luck! Use a heat lamp or hair dryer to thaw out the pipe, but again, keep a close eye and never leave these items unattended.

Another area of the home that can suffer from freezing temperatures is your gutters. Make sure they are cleaned out so the water can flow freely; otherwise, it’s likely to freeze and clog or even burst your gutters.

Kevin Dennis Insurance Agency wants to make sure all homes in Mishawaka, IN and surrounding areas stay safe and dry this winter. If you need help insuring and keeping your home safe, please give us a call today!

Choosing a Motorcycle Coverage That Offers Protection When You Need Medical Attention

Just like vehicles and motorcycle auto coverage in Mishawaka, IN comes in different packages that range from the very basic to full protection known as a comprehensive policy. For anyone who has driven for a long time knows, the question of a crash isn’t an "if," situation, it’s a "when." However, until the accident occurs, many riders only see the cost in a policy and typically lean towards less expensive choices that usually only provide liability protection. Or maybe they choose a step up with a policy that has a bit more property protection. Either way, none of these base coverage packages do more than provide the minimum in medical coverage for the driver or those involved, and that can be a real problem.

Unlike someone who is driving a car, a motorcycle rider is entirely exposed. So even if the accident is not the fault of the rider, he or she can easily be put into intensive care by the simple nature of the impact physics involved and a lack of body protection. And that can turn into some costly medical bills after the fact, both for immediate treatment as well as rehabilitative care after the fact. This is why every motorcycle rider who has the option should always look at the medical portion of coverage first before settling on anything else in a motorcycle policy.

Kevin Dennis Insurance Agency has worked with motorcycle riders for years, helping them find the right protection that focuses on getting them back on the road and healthy in Mishawaka, IN. You use a helmet to protect your brain when riding; use a good policy to protect everything else. Kevin Dennis Insurance Agency can help today. Give us a call.

 

Do I Need a Commercial Policy for Every Vehicle?

Business owners face a lot of challenges, and operating in Mishawaka, IN does not spare you from any of them. A unique set of challenges arise for any business that owns and operates motor vehicles. Issues of specialized commercial insurance can be convoluted, especially if you own multiple vehicles. To make things easier, Kevin Dennis Insurance Agency is here to make things clear for one of the most confusing components of commercial insurance: multiple policies. If you aren’t sure how many or what kind of policies you might need, you’re in the right place.

Operating a Fleet

Coverage will always vary from policy to policy, but many insurers offer fleet options. When you go this route, you can have a consolidated policy that covers every vehicle in your fleet. Whether you want to think of it as one policy or multiple is up to you. This is the typical route taken by businesses that use multiple vehicles with multiple drivers, but it is not the only situation that exists.

Unique Vehicles

Some businesses have specialty vehicles that may require specialized licensing to operate. If you employ such vehicles alongside traditional cars or trucks, you might find your situation is a bit more complicated. Again, things vary by policy, but many insurers will separate the specialty vehicles from the more standard ones. This could require you to have multiple policies to insure all of your assets.

Whatever the particulars of your Mishawaka, IN, business happen to be, you’ll find that a conversation with your Kevin Dennis Insurance Agency representative is usually the best first step. We can help you understand the peculiarities that often arise with commercial insurance and help you find a policy package that best fits your needs.

Choosing Home Insurance on More Than Just Cost

A critical mistake that many new homeowners make in Mishawaka, IN and the South Bend area is choosing homeowners insurance simply based on the cost of a policy alone and nothing else. However, the same policy will be expected to be available and relied on for anywhere from the next 5 to 30 years or as long as you live in the home. So, would it not make sense to do a bit of research on a policy to make sure it will be there if needed some 15 years down the line? Few people actually take the time to do so.

Taking the Time to do the Research

Researching what is needed from a good homeowners insurance policy is not hard, especially not with the help of Kevin Dennis Insurance Agency in Mishawaka, IN. First off, learn to disregard the cost factor alone. It can be a misleading element that gives you a policy that is no good when it matters because the underlying company is questionable. Second, you want the help of an insurance expert who can objectively look at the market, educate you on the various elements of a homeowners insurance policy that matters, and can find you real-time viable alternatives to choose from.

The Kevin Dennis Insurance Agency has done this service for dozens and dozens of customers. Vetting various insurance policies on the market and breaking them down for what really matters for customers. The homeowner’s insurance policy that a young family needs with a new dog is going to have a very different criterion set than that of a retired couple. And a homeowner running a small business out of a home office will need extra protections beyond what a private residential policy typically provides. The staff at Kevin Dennis Insurance Agency has seen, worked with, and regularly solved these challenges for customers. Let us give you a hand and pick the right coverage for your home. Reach out to us for a quote or try our online rating tool.