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Essential Auto Insurance Coverages for Lafayette IN Motorists

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If you are a new driver seeking to learn more about insurance or a seasoned driver needing to update your coverage, this is the guide for you!

Blevins Insurance Agency in Lafayette highlights essential auto insurance coverages in the guide below.

Essential Auto Insurance Coverages for Lafayette, IN Motorists

Liability Insurance for State Minimums

All drivers on Indiana roads must have liability insurance to meet state minimums in case of an at-fault accident that results in extensive financial damages, medical damages, or personal injuries to other drivers.

Indiana liability insurance includes coverages for bodily injury, which helps reduce medical expenses, lost wages, and legal claims from injured drivers who file suits against at-fault drivers.

Comprehensive and Collision

Local motorists seeking full coverage auto insurance protections that shield them in the event of at-fault accidents and no-fault accidents get total coverage when they opt for a comprehensive and collision benefits policy.

Comprehensive and Collision policies protect policyholders from accidents, auto theft, vandalism, natural disasters, animal collisions, and many non-collision-related auto incidents that would normally cost hundreds or thousands of dollars in out-of-pocket expenses.

Uninsured or Underinsured Motorist Coverage

There’s nothing worse than being a victim of an auto accident and finding out that the driver who is at fault has no insurance or inadequate insurance that doesn’t cover the cost of medical expenses, damages, or legal fees related to an auto accident. Full coverage insurance policies can include uninsured or underinsured coverages that offset these costs.

Get Total Auto Protection from Blevins Insurance Agency in Lafayette, IN

Contact the trusted local insurance professionals at Blevins Insurance Agency to learn more about how you can get essential auto insurance coverages and total insurance protections for your Indiana ride today!

What If I Decide Against Obtaining Commercial Insurance?

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Owning a business is an exciting and fulfilling investment, and like any investment, protecting it is important. One way to protect your new business is to ensure that you purchase and maintain a top-quality insurance policy. However, you might decide that commercial insurance isn’t affordable, causing you to consider foregoing it. Here are the possible consequences of going without commercial insurance coverage:

You Could Be Sued

There are many reasons why a customer, visitor, or other person on your business’ property might bring a lawsuit against you. Perhaps the person was injured while on your property or felt wronged somehow. Regardless of the reason, you could be sued. If the person wins the lawsuit and your company is uninsured, you will be required to pay for damages out of pocket. 

You Could Lose Your Business

There is no way to predict the possible issues that your uninsured business could experience. You could become involved in a car accident in a company car or experience any number of other possible incidents that could cause you to pay out of pocket to fix it. Whether you must pay for the repair or replacement of a vehicle or something else, costs can add up quickly, which could result in you losing your business. 

As you can see, not only is commercial insurance typically required by lenders, but it’s also quite risky to go without it. If you’re seeking a commercial insurance agency for a business in Lafayette, IN, we are available at Blevins Insurance Agency. At Blevins Insurance Agency, we go above and beyond to ensure all our customers’ needs are exceeded, and we want to do the same for you. We provide coverage for Lafayette, IN, and beyond, so don’t hesitate to contact us for a quote. 

Solar Panels: A Guide For Insuring Your Home Panels

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Installing solar panels is eco-friendly and can cover a good amount (if not all) of your utility bills over time. However, determining if your insurance policy covers them can protect this major investment. Panels mounted on the roof are likely considered part of the structure and qualify for coverage.

Yet, some types of panels might not be covered, such as solar carports or ground-mounted solar panels, and some companies won’t cover them at all. A supplemental policy may sometimes be necessary to determine where home policies leave off. These are also called add-ons or riders in the realm of insurance.

Is There Coverage if Solar Panels Are Damaged? Installation

For starters, it will help to work with an experienced team in solar systems, especially if you have coverage in place before installing them. Otherwise, your insurance might not cover this damage, resulting in out-of-pocket expenses. You’ll be able to confirm coverage with your agent about damage during installation but be prepared to show that they are qualified professionals when doing so.

What Homeowners Should Know About Coverage

Traditional home insurance policies usually do not cover floods and earthquakes in storm-damage-prone areas. However, most insurers provide an add-on to cover them as well with a supplemental policy. In many hurricane-prone states, standard home insurance policies will likely not include wind insurance without a rider.

Considering Installing Home Solar Panels?

Before taking this action, discuss the matter with your insurance company to ensure that your home insurance or a supplemental policy will cover them from installation through completion. Here at Blevins Insurance Agency in Lafayette, IN, we’re here to answer all your questions and help you protect your investment.

Choosing Your Life Insurance Beneficiaries from Blevins Insurance Agency

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The importance of beneficiaries in relation to life insurance policies is often underestimated. The selection process can be daunting, requiring careful planning and thought. At Blevins Insurance Agency in Lafayette, IN, we appreciate the significance of this decision and offer our expertise to guide you through the complexities of appointing your life insurance beneficiaries. We aim to empower you to make informed decisions that secure the financial future of your loved ones.

Tips to Choose Your Life Insurance Beneficiaries

The careful selection of life insurance beneficiaries is a pivotal decision. First and foremost, it’s vital to periodically review and revise your list of beneficiaries in line with changing life circumstances. This ensures that the appropriate individuals or organizations receive the policy payout in the unfortunate event of your demise.

Similarly, while making your choice, assess the financial needs of your potential beneficiaries. Understanding how the insurance payout can support you during challenging times helps you make a more informed decision.

The Importance of Primary and Contingent Beneficiaries

It is also advisable to designate both primary and contingent beneficiaries. While primary beneficiaries are the first to receive the insurance payout upon your passing, contingent beneficiaries can claim the payout if the primary beneficiaries are unable to. This dual designation allows for greater flexibility and ensures that your insurance proceeds are distributed according to your wishes.

Reach Out to Blevins Insurance Agency

At Blevins Insurance Agency in Lafayette, IN, we’re here to help you navigate all aspects of life insurance policy setup, including beneficiary designation. Contact us today to schedule an appointment with an experienced agent and explore your options for securing the future of your loved ones.

How Auto Insurance Can Protect You If Your Car Is Stolen

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Mitigating Risks With Auto Insurance: A Closer Look

Car theft might seem like an ill-timed stroke of luck, but it’s an alarming reality today, especially for owners with critical fobs and push-button starts. Leaving your keys in the car upon reaching your destination might be convenient, but it also offers easy access to car thieves. The right auto insurance policy can provide you with peace of mind whether the theft occurs from a public place or straight out of your driveway. At Blevins Insurance Agency, we provide our clients in Lafayette, IN, with personalized assistance and recommendations to protect their vehicles.

How Does Auto Insurance Provide a Safety Net?

In case of car theft, your auto insurance policy could potentially save the day. A comprehensive coverage plan could not only cover a car rental in the interim but also offer compensation for your lost vehicle, depending on the specific terms of your policy. If your car cannot be retrieved, your policy might cover its actual cash value or replacement cost. After your deductible has been paid, your auto insurance policy will cover the remainder. It’s important to stay updated with your policy specifics and understand how well it aligns with your individual risk profile. With the right insurance coverage, you can be safeguarded from the financial implications of car theft.

Let’s Refresh Your Auto Insurance Policy

If your auto insurance hasn’t been revised in a while, now might be a good time for a check-in. Allow our experienced agents at Blevins Insurance Agency to review your current policy and provide insights on the adequacy of cover and possible adjustments. Our clients throughout Lafayette, IN, trust us for comprehensive auto insurance advice and coverage that safeguards their vehicles from unforeseen circumstances.

When Your Business Takes You Into Customer Properties

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Commercial insurance helps cover liability for businesses when they send people, including the owner, onto customer premises, into homes, and elsewhere where problems could occur.

Small Businesses Are Usually Quite Vulnerable to Liability Losses

Businesses like real estate photography, landscaping, and cleaning may not have the kinds of concerns that carpenters, electricians, and plumbers have when visiting a home. If they knock over a valuable vase, stain a valuable rug, or break a window, it could be a major problem for a small business with limited assets. At Blevins Insurance Agency, we can help you in Lafayette, IN to make sure you’re covered, so you can grow your business knowing one false move isn’t likely to clear out your bank account.

Reach for the Stars with Confidence

For your small business, you probably look forward to gaining bigger clients and working at more impressive properties. As a photographer, for instance, photographing a million-dollar home is an important portfolio example as well as good business. You’ll probably be working around costly items, and risking being held liable for damage that occurs. With commercial insurance, you have coverage and help defend yourself in case controversy arises. At Blevins Insurance Agency, we can help you with identifying risks and finding commercial coverage that would work for your business in Lafayette, IN.

We Can Help Your Business Grow with Carefully Selected Insurance Coverage

Commercial insurance isn’t the only way we can help your business. Let us build a package for your specific business, including vehicle coverage and insurance for your employees as your company grows. There are ways we can even help your business continue if you’re no longer able to run it. Your small business can have help staying on track and thriving with less worry!

Tips for making your home safer

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Your home is your safe haven, and at Blevins Insurance Agency in Lafayette, IN, we want to make sure that insurance is not something you have to worry about when it comes to safety. We make sure your coverage fits your home and life and that you know the things that can make your home safer today and into the future. 

Tips for making your home safer

Add a home security system

Home security has never been more affordable than it is today. Many simple and inexpensive home security systems require no installation, and you are able to monitor your home when you are away on your smartphone. From a simple camera doorbell to window and door alarms, you can add as much or as little as you need to feel safe. 

Be prepared for a fire

Do a periodic check of your smoke alarms to make sure they are working and that the battery backup is as well. Clean your furnace and chimney yearly to stay ahead of the game. Have a fire extinguisher that is easy to access if the need arises. 

Have an escape plan

It is important to have an emergency escape plan. The entire family needs to know exactly where they should gather in the event of an emergency or how they should escape their room if an emergency arises. You also need an evacuation route and maybe even two that you can choose from depending on what the emergency is. 

Get a generator

A generator allows you to have water, heat, and electricity in the event that the power goes out. It can make all the difference when it is cold or hot outdoors to keep you safe. 

Call Today To Discuss Your Options

Reach out to our office on the phone or in person. At Blevins Insurance Agency in Lafayette, IN, we are here for you. 

Mortgage Protection Life Insurance: Keeping Your Home Secure

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With the commitment to a mortgage comes the responsibility of protecting one’s investment and ensuring that loved ones are not burdened with financial challenges in the event of unforeseen circumstances. Mortgage Protection Life Insurance is a safeguard that provides policyholders in and around Lafayette, IN with relief and financial security.

Securing Your Home in Times of Loss

The loss of a loved one is emotionally challenging, and the last thing a grieving family should worry about is the financial strain of mortgage payments. It leaves worse pain if evictions are in the realm of possibility. Mortgage Protection Life Insurance steps in to alleviate this burden, offering the following benefits:

  • Debt Repayment: The policy pays off the remaining mortgage balance, preventing the surviving family members from inheriting the financial responsibility.
  • Maintaining Stability: Keeping the family home intact provides stability during a difficult period, allowing loved ones to focus on emotional healing without the stress of potential foreclosure.
  • Customizable Coverage: Mortgage Protection Life Insurance policies are often customizable to align with the specific terms and duration of the mortgage. This ensures that the coverage meets the unique needs of each homeowner.

Key Features of Mortgage Protection Life Insurance

When considering Mortgage Protection Life Insurance, homeowners should be aware of the following features:

  • Decreasing Benefit: The coverage amount decreases over time, aligning with the decreasing mortgage balance.
  • Terminal Illness Coverage: Some policies offer coverage in the event of a terminal illness, providing financial support when most needed.
  • Simplified Underwriting: The underwriting process for Mortgage Protection Life Insurance is often simplified compared to traditional life insurance, making it more accessible for homeowners.

Blevins Insurance Agency Can Help You

At Blevins Insurance Agency, we can help answer questions concerning life insurance. We serve the Lafayette, IN area. Contact us today. 

Types of Auto Insurance Coverage: Liability, Collision, and Comprehensive

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Our agents at the Blevins Insurance Agency serving the Lafayette, IN area know and understand how important an auto insurance policy is to you and your vehicle.

Types of Auto Insurance Coverage: Liability, Collision, and Comprehensive

Auto Liability Insurance

In the state of Indiana, all drivers must have at least a minimum amount of liability insurance to cover any accidents they may cause while driving on public roads. This type of insurance will help cover any injuries or property damage that occurs from an accident.

Collision Auto Insurance

You can be out on a beautiful Sunday afternoon for a leisurely ride in the country when out of nowhere, you collide with another vehicle or even a tree or some other inanimate object. If that or a similar incident happens, auto collision insurance will help repair your vehicle.

Comprehensive Auto Insurance

You may not be worried about a hurricane happening in Indiana and damaging your vehicle, but you never know when a hailstorm, windstorm, or tornado can come along and wreak havoc on your car, truck, or SUV. This is why it is important to have comprehensive insurance in place since it will help you repair or replace your vehicle if a natural disaster occurs or some other incident, such as a fire, vandalism, or your vehicle is stolen.

Contact Us Today!

Don’t be caught driving without auto insurance in Indiana or wait until one of these tragic incidents occurs to realize how much you need to have an adequate auto insurance policy. Contact our agents today at the Blevins Insurance Agency serving the Lafayette, IN area to get your auto insurance policy started!

Four steps to go through when you buy commercial insurance

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Don’t underestimate how important it is to invest in commercial insurance to protect the future of your company. Blevins Insurance Agency can provide you with plenty of essential information on insuring your company in Lafayette, IN.

The following are four steps to go through when you buy commercial insurance:

Identify the risks that your business faces

Business owners can identify their company’s risks by conducting a comprehensive risk assessment. This involves evaluating the industry, location, operations, and potential liabilities.

Identifying risks enables informed decisions about the types and amounts of commercial insurance needed to protect the business from financial setbacks and liabilities.

Gather pertinent documents

When buying commercial insurance, business owners should gather crucial documents such as financial records, business licenses, employee information, and property values.

These documents help insurers assess the business’s risks and tailor insurance policies to provide adequate coverage. Being prepared streamlines the insurance application process and ensures accurate coverage.

Figure out your company’s budget going forward

Commercial insurance premiums will be an added expense that companies need to work into their budget. Take the time to plan ahead with your company’s finances to ensure that you’ll have adequate cash flow to cover commercial insurance premiums. 

Research providers and get policy quotes

Business owners should always compare offers from different insurance providers before choosing a commercial insurance policy. 

As part of the process of researching providers, business owners should look into the reputation of various insurance companies that do business in their area. It’s important to buy coverage from an established company that your business will be able to depend on down the road. 

Consult With Us

If you’re ready to buy commercial insurance for your company, get in touch with us. At Blevins Insurance Agency, we can provide business owners in Lafayette, IN with quotes on a commercial insurance policy that will meet their company’s financial needs