Whether you’ve been a homeowner for a while or just recently become one, you might have some questions about homeowners insurance and what it covers. Many homeowners have one question: how to file a claim, while others wonder if homeowners insurance covers natural disasters. While it would seem logical for homeowners insurance to cover natural disasters, they don’t since they’re out of your control. Here is a brief overview of what’s not covered.

Many Natural Disasters Are Covered

Even though homeowner’s insurance doesn’t cover all natural disasters, some common ones aren’t. These disasters are often covered:

• Tornadoes/hurricanes/similar wind and hail damage
• Winter storms involving snow, sleet, and freezing rain
• Lightning and thunderstorms
• Explosions
• Volcanic eruptions

Natural Disasters That Aren’t Covered

Again, some natural disasters aren’t covered under your primary homeowner’s insurance policy. If you want coverage for these uncovered disasters, you’ll need to purchase an additional insurance policy. The natural disasters that typically aren’t covered are the ones that aren’t on the list above. This is why purchasing additional coverage is important if you live in an area where other natural disasters are common. Flood insurance is a common add-on, even for homeowners who don’t live in high flood areas. There are other homeowner’s insurance add-ons, so be sure to discuss what’s available with your insurance agent, who can explain all the different policies. 

As you can see, most standard homeowner’s insurance policies don’t cover all natural disasters, but some cover many. If you’re an Indianapolis, IN, homeowner and need a new insurance company, you should consider us at Irvington Insurance. At Irvington Insurance, we provide top-notch coverage for Indianapolis, IN residents and beyond. Give us a call today for a quote. 

Insure your home in Indianapolis, IN with a policy from Irvington Insurance. The insurance coverage that we provide can protect the investments you make in your home and give you a sense of security.

Here are four of the most important details you need to be aware of regarding your home insurance policy. 

The amount of liability coverage your policy includes

You need to ensure that your policy offers adequate liability coverage to prevent financial hardship if you face a lawsuit as a homeowner. Check your liability coverage amount options and determine which coverage amount option will fully protect your assets. 

The deductibles on your policy

Knowing how the deductibles work on your policy is important. You need to make sure that you always have at least the amount of your highest possible deductible in an emergency fund. This way, you know you can pay your deductible without problems if you have to file a claim. 

The exclusions that limit policy coverage

Home insurance policies will exclude coverage for certain types of damage such as water and earthquake damage. If you want these types of damages covered by your policy, you’ll probably need to add endorsements to your policy that provide you with these types of coverage. 

The policy term

Home insurance policies aren’t permanent. They only cover you for a certain length of time. Home insurance policies usually have a term length of one year. Once a year has passed, you will probably have to renew your policy to enjoy continued coverage for your home. 

Enjoy financial protection as a homeowner with insurance coverage from Irvington Insurance. Call us now to get a policy quote. 

Homeowners insurance is an important protection that can help to defray the costs of damage from unexpected events. However, a wide range of coverage is available, depending on your own individual needs. At Irvington Insurance in Indianapolis, IN, we offer a variety of homeowners policies to protect your home investment.

Types of Homeowners Insurance Policies

There are several different types of homeowners insurance policies from which to choose. Each type provides different protections, and the cost varies with the amount of coverage. Most homeowners need an HO-3 type policy, which covers such perils as fire, lightning, smoke, damage by vehicles, theft, vandalism, the weight of snow or ice, overflow of water from systems inside the home, freezing of systems, and short-circuiting of electrical systems. But other types of policies are also available.

You May Need Additional Coverage Than What A Standard Policy Provides

An HO-5 policy is more comprehensive in its coverage and pays for replacement costs rather than actual cash value. HO-8 policies cover older or historic homes with higher repair and replacement costs. In addition, if you live in an area prone to flooding, you will need coverage for flooding, which is not covered by standard home insurance policies. This is also true of earthquake and sinkhole hazards requiring additional policy coverage. Similarly, if you have expensive artwork, furs, or jewelry, you may need additional coverage that goes beyond standard policy limits.

Make Irvington Insurance Your Choice for Homeowners Insurance

If you have questions regarding home insurance coverage, our Indianapolis, IN agents can provide detailed information. Contact Irvington Insurance today for a no-obligation quote on a home insurance policy that covers your own unique needs.

Although the holidays are an exciting time that everyone looks forward to, it is essential to remember that they can also put your home at risk in many ways. Here at Irvington Insurance, serving Indianapolis, IN, and the surrounding areas, we want to help homeowners like you keep their homes safe all year round. Keep reading to learn how to keep your home safe during the holidays. 

Know Who’s Visiting

The holidays can be a time of lots of coming and going. If you or other housemates are expecting visitors, it is critical that you know who is coming and when they are arriving. This is especially true if people are coming to visit that you are not very familiar with. Talk with everyone in the house concerning announcing arriving guests and how everyone in the home must be aware of who is visiting and when they are visiting. 

Stick To Regular Safety Tasks 

You might be tempted to do things a bit differently if you have visitors coming for the holidays. For instance, if there are lots of visitors who will be coming and going during the day, you might be tempted to leave doors unlocked. Although this could be more convenient, this is not a good idea. Come up with more secure ways to ensure everyone can come and go as they need to or request that coming and going be kept to a minimum if you are not at home. 

Be Smart With Holiday Lights and Decorations 

It’s lots of fun to put up holiday lights and decorations, but these can pose risks if installed incorrectly. Be sure to follow instructions precisely for any decorations that use electricity. 

If you want to learn about home insurance, don’t hesitate to contact us at Irvington Insurance serving Indianapolis, IN, and the surrounding areas. 

Irvington Insurance is here to assist with your home insurance needs and related concerns. In the Indianapolis, IN area, it’s important to make sure your home is prepared for storms. 

Here are a few tips from us to help you get ready:

1. Secure any outdoor furniture or items that could be blown away during a storm. Make sure to bring in anything that could become a dangerous projectile in high winds, such as patio umbrellas or planters.

2. Install a backup generator or uninterruptible power supply (UPS) so that you have power in case of an outage. This will be especially helpful if you rely on medical equipment with no battery backup.

3. Trim trees and shrubs around your house to reduce the risk of branches falling onto your roof or windows during a storm and damaging them.

4. Clear your gutters and downspouts of debris to ensure proper drainage away from your property should there be heavy rainfall during a storm. 
 
5. Stock up on supplies such as flashlights, batteries, water, and non-perishable food items so that you are prepared in case you lose power for an extended period of time due to the storm. 

6. Make sure your downspouts point away from your foundation so that water does not infiltrate your basement. 

Reach Out To Us

By following these tips, you can help make sure your home is ready for any incoming storms at any time of year! For more tips on how to get your house ready, or if you have any questions about your home insurance, auto insurance, or any other type of policy, give us at Irvington insurance a call today. We proudly serve the Indianapolis, IN area.

The Indianapolis, IN area can be a great place to own a home. This is a large city with a growing population and plenty of local amenities and job opportunities. When you are looking to buy a home in this area, it would be a good idea to also get insurance for the property.

There are various reasons why the typical property owner here will need to have a home insurance policy:

Receive Valuable Coverage

An important reason that anyone here will need to have a home insurance policy is so they can receive valuable coverage. When you are a property owner, you will have made a very significant investment and asset purchase. Along with this investment, you will want to know that you have support if you incur a loss due to a fire, vandalism, or other unexpected situation. If you have home insurance, it will provide you with coverage for your dwelling, and personal items, and even offer liability coverage. 

Comply with Requirements

It could also be a good idea to get home insurance so you are able to comply with any requirements that you have. When you buy a home, it is likely that you take out a mortgage as well. Further, you may choose to live in a home association. If you have done either of these things, you likely have a requirement to maintain insurance coverage. 

Contact Us Today

If you are in the Indianapolis, IN area, it would always be a good idea to get home insurance. The team with Irvington Insurance can provide any guidance that you need to create your ideal home insurance plan. When you start working with Irvington Insurance, you will receive personalized support so you fully understand all of your insurance options and needs as you build your next policy.

The Indianapolis, IN area can be a great place to own a home. This is a large city with a growing population and plenty of local amenities and job opportunities. When you are looking to buy a home in this area, it would be a good idea to also get insurance for the property.

There are various reasons why the typical property owner here will need to have a home insurance policy:

Receive Valuable Coverage

An important reason that anyone here will need to have a home insurance policy is so they can receive valuable coverage. When you are a property owner, you will have made a very significant investment and asset purchase. Along with this investment, you will want to know that you have support if you incur a loss due to a fire, vandalism, or other unexpected situation. If you have home insurance, it will provide you with coverage for your dwelling, and personal items, and even offer liability coverage. 

Comply with Requirements

It could also be a good idea to get home insurance so you are able to comply with any requirements that you have. When you buy a home, it is likely that you take out a mortgage as well. Further, you may choose to live in a home association. If you have done either of these things, you likely have a requirement to maintain insurance coverage. 

Contact Us Today

If you are in the Indianapolis, IN area, it would always be a good idea to get home insurance. The team with Irvington Insurance can provide any guidance that you need to create your ideal home insurance plan. When you start working with Irvington Insurance, you will receive personalized support so you fully understand all of your insurance options and needs as you build your next policy.

Most people think that home insurance is a one-size-fits-all kind of deal. But the truth is, there are many different types of home insurance policies out there, and each one is designed to meet a specific need. So, before you buy a policy, it’s important to understand what those needs are.  Irvington Insurance in Indianapolis, IN can help you navigate this important coverage.

Here are five things you didn’t know about home insurance:

1. It Does Not Cover Flooding

One of the most common misconceptions about home insurance is that it will cover damage caused by flooding. But the truth is that most standard policies exclude flood damage. Most also exclude damage caused by earthquakes. It’s therefore important to understand what your policy covers and what it doesn’t.

2. It’s Not Always Required

While most mortgage lenders require you to have home insurance, there are some situations where it’s not required. For instance, if you own your home outright, you’re not required to have a policy. However, even if you’re not required to have coverage, it’s still a good idea to have it.

3. You May Need Extra Coverage for Valuables

If you have any valuables in your home, such as jewelry, art, or collectibles, you may need to purchase additional coverage to insure them. Most standard policies have limits on the amount of coverage for valuables, so if you have items that are worth more than the limit, you’ll need to purchase an endorsement or a separate policy to cover them.

4. It Offers Liability Protection

Another thing to know about home insurance is that it offers liability protection. If someone is injured on your property or if you damage someone else’s property, your home insurance policy will help pay for the damages. Most policies have limits on the amount of liability coverage, so if you’re at risk for a large loss, you may want to purchase an umbrella policy to get additional protection.

5. Your Policy is Not Static

Finally, it’s important to know that your home insurance policy is not static. It will change as your needs change. For example, if you add a new addition to your home or get married and have children, you’ll need to update your policy to reflect those changes.

Get Home Insurance Today

Now that you know a little bit more about home insurance, it’s time to start shopping for a policy. We can help you find the right policy for your needs at Irvington Insurance in Indianapolis, IN. Contact us today for a free quote.

When it comes to shopping for home insurance, most people just want to get it over with as quickly as possible. But if you take the time to learn a little bit about the process, you can save yourself a lot of money and grief in the long run. Irvington Insurance Group in Indianapolis, IN offers a few tips on how to shop for home insurance. 

How to Shop for Home Insurance

1. Know What You Need

This should be obvious, but you’d be surprised how many people get insurance without really knowing what they need. Remember, every home is different, so you’ll need to tailor your home insurance coverage to fit your situation. Make a list of the things you want to insure, such as your dwelling, personal belongings, and liability coverage.

2. Know What You Can Afford

Once you know what you need, you need to figure out what you can afford. Home insurance premiums can vary widely, so shopping around and comparing rates is important. Keep in mind that the cheapest policy isn’t always the best policy. Make sure you’re getting the coverage you need at a price you can afford.

3. Know the Risks

Home insurance covers not all risks, so it’s important to know what risks your policy does and does not cover. For example, most policies do not cover damage from floods, so you’ll need to purchase separate flood insurance if your home is in a flood-prone area.

4. Know the Claims Process

If you ever have to file a claim, you’ll be glad you took the time to learn about the process ahead of time. The last thing you want is to find out that your policy doesn’t cover the damage or that the claims process is more complicated than you thought. Be sure to ask your agent about the claims process and what you need to do to file a claim.

By following these tips, you can be sure that you’re getting the home insurance coverage you need at a price you can afford. Please don’t wait until it’s too late to learn about home insurance. Are you looking for home insurance in Indianapolis, IN? Irvington Insurance Group offers a variety of home insurance options to fit your needs. Give us a call today to learn more. 

 

When you get home insurance, you would benefit from going to an independent agent. There are experts in home insurance at Irvington Insurance of the Indianapolis, IN area who you can talk to about your needs. Here are some of the top questions to ask your agent. 

Do I Have Adequate Personal Property Coverage? 

Talk to your agent to determine if you have enough personal property coverage in your policy. This is an instance when it would help to conduct a home inventory beforehand. They’ll be able to sort out the values and the amount of coverage you should have for all of it combined. 

Do I Qualify for Discounts? 

Many insurance companies have discounts in place. If you have this, it will lower your home insurance premium. You might need to have qualifying circumstances, such as smart home devices. 

Am I Eligible for Bundling My Insurance? 

You might decide that you’d like to bundle your insurance. The company you go through may allow you to bundle several types of policies, including your home insurance. Go over your options with your agent to see what would make the most sense. 

Is Flood Insurance Included in the Policy? 

There may be some coverage for natural disasters which could include flooding. If this isn’t the case, and you need an additional policy, it’s best that you know right from the start so that you can get the coverage that’s appropriate to the risk level where you live. 

Ask as many questions as you’d like about home insurance. Here at Irvington Insurance, we serve customers in the Indianapolis, IN area for home insurance needs and more. Reach out to us to learn more today.