There are all kinds of insurance options for your motorcycle. It doesn’t matter what sort of bike you have; you will want to protect it adequately. With the varying insurance options available to you, it can be a bit tricky to know which one is right for your riding needs. Some may be of no use for you, while others may be essential. So which should you opt for? Our staff here at Kevin Dennis Insurance Agency is here to help you with this. So, if you live in or around Mishawaka, IN, and own a motorcycle (or are considering the purchase of one), let our staff aid you in finding insurance coverage options. 

Medical Payments / PIP

With Medical Payments, also known as MedPay, this insurance is designed to offer protection for your medical bills. These bills will aid with your health insurance, assisting you in covering varying injuries you might have. You may also want to consider Personal Injury Protection or PIP. This will help not only pay for medical expenses but also lost wages if you’re injured and can’t work. 

Roadside Assistance

Should your bike break down in the middle of a ride, or if the battery should fail on you, it is vital to seek assistance. Roadside assistance will provide you with this assistance and save you money in the process. 

Protect your Motorcycle With The Right Insurance Add Ons

These are just a handful of the motorcycle insurance add ons you can consider for your bike. With so many other options to choose from, you may not know what to go with. But don’t worry, our staff here at Kevin Dennis Insurance Agency is ready and waiting to help. So, if you live around the greater Mishawaka, IN area, and own a motorcycle, give our staff a call. We’ll answer all your questions, address all your concerns, and help you find the right motorcycle insurance protection for your needs. 

Anyone that owns a business in the Mishawaka, IN area likely knows that many essential responsibilities come with business ownership. One important responsibility that you will have is the need to carry commercial insurance. There are several reasons why a business owner in this area will need to have this coverage. 

Required by Lender

One reason why you need to have commercial insurance for your Indiana business is that your lender can require it. Starting a business requires a lot of capital, and to obtain it, many owners decide to take out a small business loan. If you do decide to take out a loan to finance your business, you need to comply with your insurance requirements. Most business lenders will require you have a full commercial insurance policy as it can provide a variety of essential protections.

Required by Law

Another reason why you may need to have commercial insurance is that it can be required by law. Similar to other states, business owners of a certain size in terms of employee count are required to carry workers’ compensation insurance. This insurance will provide valuable protection to your employees and your business. To ensure you stay in compliance, you need to make sure it is included in your commercial insurance plan.

Ultimately, there are many reasons a business in the Mishawaka, IN area should have commercial insurance. When you are looking for your next policy, you should call the team at the Kevin Dennis Insurance Agency. If you do call the Kevin Dennis Insurance Agency, you are going to receive the support that you need to choose a new policy. This will help to ensure that your business is covered, and you comply with all requirements. 

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.

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.

 

 

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 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.

 

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.

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.

As a motorcycle enthusiast, you may want to give others a ride on your bike. However, before you hand over your keys to let a friend explore the highways and byways of Indiana, make sure your insurance covers passengers and other riders. Experts at Kevin Dennis Insurance Agency can help you review your policy and make recommendations to protect you and your motorcycle in Mishawaka, IN.

Does My Motorcycle Insurance Cover My Passengers?

Your coverage depends on the type of motorcycle insurance policy you choose. Motorcycle liability is the most common type of insurance, but it doesn’t usually cover passengers. To protect yourself and your passenger, you can buy comprehensive and collision insurance, which provides wider protection in case you cause an accident.

Can I Add Riders to my Policy?

Most motorcycle insurance includes an option to add riders to your policy. Ask your insurance agent for the details on the types of policies available to get the best one for your needs. You may be asked for a list of names you wish to cover under your insurance. The insurer may check that person’s driving record to determine the cost to add them to your motorcycle policy. Some policies provide limited coverage for riders who are not named.

For Indiana riders, motorcycle liability insurance protects you if you are sued. There’s a stigma against motorcycles, which many drivers feel are dangerous. Schedule an appointment with Kevin Dennis Insurance Agency to get a free quote on motorcycle insurance in Mishawaka, IN. We’ll help you find insurance that covers you for property damage and liability in the case of an accident caused by you or another driver.

Owning a business in the Mishawaka, IN area can be a great option for anyone that wants to be their own boss. When you do own a business in this area, there are a lot of risks that you will be taking on. Fortunately, having commercial insurance in place could help you to mitigate against a lot of these risks. There are a variety of ways that a commercial insurance policy can help a business.

Protects Against Liability

One way that a commercial insurance policy can help a business is by providing protection against liability. All businesses and business owners end up taking out a lot of liability potentials whenever their product or service is sold. If someone is hurt or becomes sick as a result of it, you could end up facing a large liability lawsuit. When you have a commercial insurance policy in place, you will receive protection against this risk.

Protects Assets

A business owner will need to invest a lot of money in business assets. This can include investments in inventory, equipment, and even real estate. If these assets were stolen or damaged, it could be very bad for business. When you get a commercial insurance policy, you can get protection on these assets. This could prove to be very valuable in the event your business loses a valuable asset of any kind.

For those that have a business in the Mishawaka, IN, speaking to a professional about your commercial insurance needs is very important. One company that could provide you with great insurance advice is the Kevin Dennis Insurance Agency. The professionals at the Kevin Dennis Insurance Agency know all of the risks that a business takes on and can help you to mitigate these risks with insurance.