Commercial Insurance Types for Fleets in Lafayette

Name: Blevins Insurance Agency Inc
Address: 2 N 4th Street, Lafayette, IN, 47901
Telephone: 765-446-8999

Posted on September 30, 2026September 11, 2026 by admin

If you’re a business owner who owns and manages commercial vehicles for your daily operations, it may be time for you to consider commercial fleet insurance. Business owners in Lafayette, IN, who have commercial fleet insurance, can preserve their peace of mind knowing that their vehicles are protected at all times. At Blevins Insurance Agency, we’ll help you find the right policies that directly reflect the needs of your business.

Types of Commercial Fleet Insurance

There are different types of policies that may be appropriate for your business, depending on how your commercial vehicles are used. Common types of commercial insurance include:

Commercial liability: Commercial auto liability helps to cover bodily injury and potential property damage when an insured driver is responsible for an accident.
Collision coverage: Collision coverage helps to pay for repairs or replacements as needed when a covered fleet vehicle is damaged in an accident.
Comprehensive coverage: Comprehensive coverage is optimal to protect against non-collision losses, such as fires, vandalism, and even theft.
Uninsured/underinsured motorist: Uninsured/underinsured motorist coverage can help if another driver is responsible for an accident but has insufficient or no insurance at all.
Medical payments: Medical insurance can help cover medical expenses that occur after a covered accident.
Hired and non-owned coverage: This type of coverage can help to protect your business when an employee is using a rented or personal vehicle for business.

Comparing commercial insurance types for fleets in Lafayette, IN, is highly advisable for anyone managing and operating a business with commercial vehicles. The right protection can make all the difference, whether you’re just starting out or you’re on a path of growth and expansion. To learn more about commercial insurance policies for fleets that are right for you and your business, contact Blevins Insurance Agency today.

Does Home Insurance Cover Manufactured Homes?

Posted on August 31, 2026August 16, 2026 by admin

As an aspiring homeowner, you have a wide array of properties at your disposal to choose from. For example, you might be looking at manufactured homes, also known as mobile homes. There are many benefits to owning a manufactured home over a traditional one, but one thing you’ll need to think about early on when you’re shopping for a mobile home is how to properly cover it. Will home insurance suffice, or will you need a specialized policy? Let’s take a look at what might change when getting a mobile home, and how you can work with us at Blevins Insurance Agency in Lafayette, IN, to find home insurance designed around your specific living situation.

Will Your Standard Home Insurance Policy Cover a Manufactured Home?

Your average home insurance policy won’t cover a manufactured home. Rather, you’ll need manufactured home insurance or mobile home insurance. The good news? Both of those policies pretty much cover all the same things you would expect our standard home insurance policy to cover, including the dwelling itself, any additions to the manufactured home, your belongings, and any expenses you incur if the home becomes unlivable (due to factors outside of your control). Of course, this type of home insurance also features the same exclusions, such as flooding, so you’ll want to make sure you get any mobile home insurance add-ons that you’ll need to cover your home against threats that are common in your area.

Cover Your Home With Blevins Insurance Agency

Are you looking for home insurance, but having a hard time choosing a policy because there are so many quotes you need to go through and so much research to be done? With Blevins Insurance Agency in Lafayette, IN, we’ll make it easier for you to make a confident and affordable decision. Compare quotes with us now to get started.

Can life insurance be extended to more than one policyholder?

Posted on July 31, 2026July 17, 2026 by admin

There is a common misconception that life insurance is applicable to only one person. In reality, there is some flexibility to the average life insurance policy, meaning there are situations where more than one individual can be a policyholder.

Serving Lafayette, IN, our insurance professionals are here to clear up the confusion. This is your inside look at life insurance for those living in and around the Lafayette, IN area.

The Truth About Life Insurance Policyholders

Though few know it, flexible joint universal life insurance is available as a policy that can extend beyond one individual. Business partners and couples can both qualify for such policies.

Also referred to as joint life insurance policies, this form of protection offers lifelong protection. Moreover, such multi-policyholder policies set the stage for accumulating cash value while deferring taxes.

Consider the Advantage of Multiple Policyholders

Aside from the merits listed above, adding more than one policyholder to life insurance provides an invaluable peace of mind. Oftentimes, insuring two lives through one life insurance policy reduces the aggregate cost.

There is no sense paying more for two separate policies when a single policy can consolidate coverage for less money. Moreover, the no-cost death benefit is not subjected to taxes. As soon as the death of the first policyholder who is insured occurs, the tax-free death benefit is paid out to the beneficiary.

Blevins Insurance Agency is Here for You and Your Loved Ones

Serving Lafayette, IN, our insurance professionals at Blevins Insurance Agency are on your side. Dial 765-446-8999 to learn more about life insurance policies for yourself, your family and your heirs.

When Was the Last Time You Reviewed Your Auto Insurance Policy?

Posted on June 30, 2026June 17, 2026 by admin

Your auto insurance policy is required to drive legally, but it offers much more than just legal compliance. A well-structured auto insurance policy can provide valuable financial protection and make recovery after a covered event, such as an accident, much less stressful.

However, these benefits depend on having the right level of coverage. That’s why it’s important to review your auto insurance policy regularly. The professionals at Blevins Insurance Agency, servicing Lafayette, IN, are here to help. We work closely with our clients to ensure they understand their policies and have coverage that aligns with their needs. Here’s what you should know.

Why You Should Review Your Auto Insurance Policy

Auto insurance policies can vary significantly in terms of coverage limits, deductibles, and included protections. Reviewing your policy allows you to confirm whether your current coverage is adequate for your lifestyle and financial situation.

If you find that your policy falls short, an insurance agent can help you adjust your coverage to better protect you against potential risks. Regular reviews help ensure that you’re not underinsured or paying for coverage you no longer need.

How Often Should You Review Your Policy?

It’s a good idea to review your auto insurance policy at least once a year. You should also review your policy whenever you experience a major life change, such as purchasing a new vehicle, moving, or adding a driver.

If you also carry homeowners insurance, consider reviewing both policies at the same time. This approach helps ensure your overall coverage remains consistent and up to date.

Schedule Your Policy Review Today

If you’re ready to review your auto insurance policy, contact Blevins Insurance Agency, servicing Lafayette, IN. Our experienced insurance professionals can walk you through your coverage, answer your questions, and help you determine whether your current policy is the right fit for your needs. Reach out today to get started.

How to Navigate Commercial Insurance for Your Home Office

Posted on May 29, 2026May 12, 2026 by admin

Working from home has become far more common, and with that shift comes a new set of insurance questions. Many of these concerns did not exist when most people worked in traditional office settings. If you operate a home office in Lafayette, IN, it is important to understand how your insurance coverage applies.

Commercial Insurance Considerations for Home Offices

The best way to secure appropriate coverage is to have an open and honest discussion with your insurance provider about how you use your home office. For example, if a room functions as a home office during the day and a personal space in the evening, that distinction should be disclosed. Usage details help insurers determine what is covered and when coverage applies.

Business equipment, client property, and work-related activities may not be fully covered under a standard homeowners insurance policy. In many cases, additional commercial coverage or endorsements are needed to close potential gaps.

Reducing Coverage Conflicts

When a loss occurs, claims can become complicated if more than one insurance policy is involved. A commercial insurer may attempt to involve a homeowners insurance carrier to share responsibility for damages, which can lead to delays or disputes over coverage percentages.

While it is not always possible to eliminate overlap entirely, clearly defined coverage terms can help reduce confusion. At Blevins Insurance Agency, we work with clients to outline responsibilities in advance so they know which policy applies in common situations.

Protecting Your Work and Your Home

Working from home can offer flexibility and improve work-life balance, but it can also introduce unclear insurance scenarios. Accidental damage to business equipment, interruptions caused by household activity, or liability concerns can all arise unexpectedly.

At Blevins Insurance Agency, we help clients in Lafayette, IN, sort through these complexities so they can confidently set up their home office without worrying about coverage gaps. If you have questions about insuring your home office or business equipment, contact our team today to build a policy that works for your needs.

Should I Keep a Home Inventory for My Home Insurance?

Posted on April 30, 2026April 22, 2026 by admin

If you had to make a complete list of everything you own from memory, could you do it? Probably not. That is why many homeowners choose to keep a home inventory. A home inventory helps document your belongings so you can more easily replace them if a covered event damages or destroys your home.

Understanding what a home inventory is and how to create one can help you stay prepared when the unexpected happens. The professionals at Blevins Insurance Agency, serving Lafayette, IN, can help you understand how a home inventory works and whether it affects your home insurance coverage.

What Is a Home Inventory

A home inventory is a detailed record of your personal belongings. It typically includes information such as when an item was purchased, its approximate cost, model or serial numbers, and where it was purchased.

Home inventories can be kept in a spreadsheet, stored in a mobile app, or even recorded as a video. Some homeowners find it easiest to walk through their home periodically and record each room, capturing furniture, electronics, appliances, and other valuables on camera.

Who Should Keep a Home Inventory

Any homeowner can benefit from having a home inventory. If a fire, storm, or other covered loss forces you to replace your belongings, a detailed inventory can make the claims process smoother and less stressful.

Having documentation of what you owned can also help reduce delays and questions during the recovery process.

Do Home Insurance Companies Require a Home Inventory

Most home insurance companies do not require homeowners to maintain a home inventory. However, having one can be extremely helpful if you ever need to file a claim.

If a home inventory is required or recommended based on your policy or coverage limits, your insurance agent will let you know.

Have Questions About Home Insurance

If you have questions about home insurance, the professionals at Blevins Insurance Agency, servicing Lafayette, IN, are here to help. Whether you are shopping for a new policy or want to better understand the coverage you already have, our team can provide clear answers and guidance.

What Are the Benefits of Term Life Insurance Over Other Types?

Posted on March 31, 2026March 18, 2026 by admin

If you are considering life insurance, you may be wondering what the difference is between term and permanent life insurance. Understanding how these two policy types compare can help you make the best decision for your needs. Many people turn to the Blevins Insurance Agency, serving Lafayette, IN, for guidance. Our insurance professionals can explain how each policy works and help you choose the option that fits your situation.

What Is Term Life Insurance?

Term life insurance provides coverage for a set period. Policies are typically available for terms of 10, 20, or 30 years. Once the term ends, the policy expires, benefits stop, and premium payments stop.

Benefits of Term Life Insurance

Term life insurance is often chosen because it is more affordable than permanent life insurance. It is a practical option for individuals with young families or ongoing financial responsibilities. Term life coverage can help ensure your loved ones are protected if you pass away during the policy term. Benefits from a term policy may help cover mortgage payments, tuition costs, or everyday expenses after the loss of your income.

Who Should Consider Term Life Insurance?

Term life insurance may be a good fit if you have financial obligations that your family would struggle to manage without your support. This includes dependents, ongoing loans, or other major expenses. To determine whether term life insurance or permanent life insurance is better for your needs, speak with an insurance professional at Blevins Insurance Agency, serving Lafayette, IN. Our team is here to help. Contact us today for assistance.

What to Know About Coverage for Windshield and Glass Repairs

Posted on February 27, 2026February 16, 2026 by admin

Your car’s windshield endures constant wear and tear from everyday driving. Flying debris, hailstorms, and even temperature changes can cause chips and cracks that require immediate attention. At Blevins Insurance Agency in Lafayette, IN, we help drivers understand their auto glass coverage options, so they’re prepared when repairs become necessary.

Understanding Your Glass Coverage Options

Most comprehensive auto insurance policies include coverage for windshield and glass repair, but the specifics can vary significantly among insurers. Some policies cover repairs with no deductible, while others require you to pay your full comprehensive deductible even for minor chip repairs. The key difference lies in whether your policy treats glass repairs separately from other comprehensive claims or combines them under standard coverage terms.

When to File a Claim vs. Pay Out of Pocket

Small chips, smaller than the size of a quarter, can often be repaired for under $100, making it worth considering whether to file a claim at all. However, full windshield replacements typically cost $300 to $500 or more, depending on your vehicle. If your deductible is $500 and the repair costs $400, you’ll pay the entire bill yourself. Always get a repair estimate first and compare it to your deductible amount before deciding.

The Importance of Prompt Repairs

Delaying glass repairs can lead to bigger problems. Temperature changes and vibrations can cause small chips to spread into large cracks that require full windshield replacement. Many insurers cover chip repairs at 100% but require deductibles for replacements, so acting quickly can save you money and prevent further damage.

Stay Prepared for Windshield Repairs

Don’t let windshield damage catch you off guard. Contact Blevins Insurance Agency in Lafayette, IN, today to review your current glass coverage and ensure you have the protection you need on the road.

Questions To Ask About Commercial Insurance So It’s Right for Your Business

Posted on January 30, 2026January 15, 2026 by admin

When building a business, your goal is to focus on growth and opportunity to meet your customers’ needs. To do that, you also have to do what it takes to protect your business. Commercial insurance provides that support. With these policies, you are able to safeguard against common risks.

There are plenty of questions to ask. At Blevins Insurance Agency, we aim to be there to answer any questions you have. If you are seeking commercial insurance in Lafayette, IN, we encourage you to ask us any questions you have. Some of the most important questions to ask include the following.

What Coverage Is Provided?

Consider all types of coverage provided in the insurance policy. That includes coverage for all assets you own, all risks your business faces, and the costs to keep running in a disaster. Ask what the policy coverage limits are and if that aligns with the types of claims other businesses in your industry have.

What Are the Exclusions?

Always determine if there are exclusions in your plan for when the policy does not provide protections. Various types of limitations can be added or eliminated, depending on what works best for your needs.

What Is the Average Claim in Your Sector?

When you choose a commercial insurance company with experience in your industry, they know what types of claims are common in businesses like your own. Ask them what the average is in terms of coverage types and values.

A Consultation Is the Best First Step

To protect your business, choose to work with our team at Blevins Insurance Agency. We can help you create a policy that fits your needs. If you need commercial insurance in Lafayette, IN, let us offer a free quote to you and answer your questions.

What Are Commonly Covered Perils in a Home Insurance Policy?

Posted on December 26, 2025December 16, 2025 by admin

Your home insurance policy has a clause on commonly covered perils, which lays out the damage the policy covers. Blevins Insurance Agency, serving Lafayette, IN, is here to help you learn about commonly covered perils so you can get the most out of your coverage.

What Is a Commonly Covered Peril?

A peril is an event that results in a calamity, and a commonly covered peril is one that’s found in most insurance policies. A peril can be a fire, a tornado, vandalism, or hail. That means you can expect your home insurance policy to cover these types of events because they’re already included.

Check Your Policy for Your Specific Coverage

Every insurance policy covers different types of perils. That means you shouldn’t assume you’re covered for a specific type of damage. Instead, you should go over your policy with your insurance agent to find out what your specific coverages are. And if you learn that you are not covered, you can get additional insurance to stay ahead of an adverse event.

Contact Us To Get the Right Coverage

At Blevins Insurance Agency, we want to help you understand your home insurance policy and how it provides coverage. Contact us to speak with one of our agents. We can go over your existing policy with you to make sure it’s adequate, or find you a new policy that’s better suited to your home and needs. We’re currently serving Lafayette, IN.

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