Fires were the most costly claim in 2009 for the Indianapolis 46256 area.  These damages averaged $39,899 per claim. 

Most people just think of homeowner’s insurance as something they have to buy because their mortgage requires it.  Not only is it a requirement if you have a mortgage balance on your home, the insurance coverage you choose determines whether you can afford to stay in your home after a devistating event.

One of the worst things a homeowner can do is purchase an insurance policy because of price along.  The value of your policy should be considered by the benefits you receive relative to the cost of the premium.  Check the claims reputation of your insurance company and always review your policy at least once each year with your agent to make sure that your family’s insurance needs are being met. 

Life changes quickly.  Make sure your policy stays up with those changes.

Enjoy life knowing you’re protected from the unexpected.

Insurance on Rental Cars

The rental-car clerk will offer you a collision-damage waiver (sometimes called a loss-damage waiver), which can cost $10 to $20 per day. The CDW shields you if the rental car is damaged or stolen. But as long as the rental is for personal use and you have collision coverage in your own auto-insurance policy, you’re covered without the CDW (with the same deductibles that apply to your own car).

Your credit-card benefits supplement your auto coverage. Most cards will pick up your deductible, and premium cards offer beefier coverage. Keep in mind that credit-card protection doesn’t include liability. And if you’ve dropped comprehensive or collision coverage on your policy, the rental car will not be covered if it is stolen or damaged in an accident.

Not drugs. Not alcohol. Driver error was the number one cause of fatal car crashes involving 16- and 17-year-old drivers according to a recent study. Limiting the number of passengers and discouraging distractions — like talking on the phone, sending text messages and changing music on the radio or MP3 player — can help keep teen drivers safe. For more tips and resources to help promote safe teen driving in your community, go to allstate.com/teen. Ask me for more resources that can help stop this killer in its tracks. Ask your Allstate agent, here at the Ranek-Spurgeon Group, for more resources that can help stop this killer in its tracks.

With so many people out on the roads, make sure you talk to your agent about your liability limits on your auto insurance policy.  Having the right coverage to meet your family’s needs makes all of the difference for your future.  Call your agent today!

The kinds of things we are buying is changing. While your parents may have spent a lot of money on furniture, you may find yourself spending more on home electronics and trying to figure out which remote to use.

Taking the time to understand how your coverage works can help you make sure everything you value is adequately covered.

The Amount You Have To Replace Your Stuff

There is a maximum amount your insurance will pay for your personal property. This Limit is usually a percentage of your Structure Limit (the maximum amount your insurance policy will pay to rebuild your home).