4 Things You Should Know About Home Insurance

Your home could be one of the most significant investments you have or you will make. So, it makes sense to guide it safely with home insurance. This coverage gives you relief when a covered event damages your property and other personal belongings. It can also bail you out when you are responsible for an accident or injury in your home. 

But how many instances have you heard of someone buying insurance that did not help him? Well, a couple of times. At Irvington Insurance, it’s our work to make sure you understand what your home insurance entails. To that end, we have prepared for you what you need to know before you sign that policy. Let’s navigate through.

Understand the policy before buying

Many people hardly go through the insurance policy before buying it. They put their trust in the insurance agent. It’s essential you understand what you are getting yourself into, the things you cannot claim, and those you can. 

Buy from the right channel.

Purchasing your home insurance from a reputable insurance company is always the best thing. They will walk you through your policy and advise on the coverage that best works for you. Not sure the right insurance company to pick? Don’t worry. When you partner with us, we will handle this for you.

Get the adequate coverage you need

Only pay for the coverage you need. Avoid paying for what you don’t require. Analyze your home insurance needs with the help of a professional and drop what it’s not essential. In the same breath, don’t underinsure your home in the name of saving dough.

Learn the types of home insurance

You need to know the different kinds of home insurance and each coverage type. Some home insurance coverages to consider include:

  • Dwelling coverage
  • Liability coverage
  • Additional living expenses coverage
  • Personal contents coverage

Find Home insurance in Indianapolis, IN

Knowing the basic things about home insurance will help you escape the many myths that surround home insurance. If you are in Indianapolis, IN, visit or call us at Irvington Insurance for more information about your home insurance. We can help you get a quote and answer your questions.

A Simple Guide to Home Insurance for First-time Buyers

After all the excitement of trying to find the perfect first home, you may be exhausted as you get ready to go to your closing. Home insurance may be the last thing you want to spend time thinking about. Finding the perfect home insurance is essential to making sure you won’t get any nasty surprises when you make a claim. Given that 1 in 5 homeowners makes a claim every year, you will likely make one at some point. In Indianapolis, IN, Irvington Insurance is a locally owned independent agency that gives our customers more choices. 

Don’t choose just by price.

While the price is an important consideration in any insurance purchase, it shouldn’t be the only one. You don’t want to overpay, but you also want to make sure the policy you choose has the coverage you need. 

Choose your deductible carefully.

Your policy’s deductible is what you pay out of pocket on each claim you file. Even if you have more than one in a year. With a higher deductible, you may pay less, but it may not be a good value. You need to be able to pay the deductible if you file a claim. 

What type of content coverage to choose

Content coverage comes in two types, replacement cost and actual cash value. When you file a claim, the payout is very different. With actual cash value, you will receive the amount worth today, taking depreciation into account. A 10-year-old sofa is not worth the same as a new one. With replacement cost, you will receive the amount a 10-year-old sofa would cost you to replace today. 


Your home policy doesn’t cover everything. Floods, earthquakes, sinkholes, and sewer back-up are common exclusions. 

Contact Irvington Insurance in Indianapolis, IN for all your home insurance needs. 


How Often Should You Review Your Home Insurance?

Your home insurance is a crucial part of protecting your largest asset and the things that matter most to you. At Irvington Insurance, we can help all of our Indianapolis, IN area customers cover their homes with the right types of policies for their needs. Whether you have a small starter home or something much larger, there are some great ways to protect it and keep it safe from harm. A good insurance policy is a significant part of that and can go a long way toward giving you peace of mind and helping you get back to living life instead of worrying.

Your homeowner’s policy should have periodic reviews, though, because your circumstances and situation may change over time. You could add to your house, remodel it, or bring in new belongings that would need additional coverage. No matter what kinds of changes your home and life undergo, you can sleep better at night when you know you have a good insurance policy protecting you. Generally, it’s a good idea to review your home policy every time it renews, which is typically once per year. Your agent will often ask about the policy at that time, but if they don’t, you can still ask for a review to make sure nothing needs to be changed.

Reach out to us today at Irvington Insurance, and let us help you with your home insurance policy. If you’re in the Indianapolis, IN area, we can provide you with the information you need to make an informed decision about your home’s coverage. Our knowledgeable agents will be happy to answer your questions, so you can feel good about the type and level of coverage you choose when you review your policy and make sure it’s the right one for your current needs.

5 Ways to Increase Home Safety

Home safety is an important topic. By taking measures to increase the safety and security of your home, you may qualify for a discount on your home insurance. If you’re considering upgrading your Indianapolis, IN home to make it a safer environment, talk to your Irvington Insurance agent to see what upgrades will affect your home coverage. Here are just a few measures you can take to make your home a safer, more secure environment.


Clutter is unsightly, reduces living space, and increases your risk of accidents. By decluttering your home, you can make it a safer environment.

Upgrade Window & Door Locks

Upgrading your window and door locks will make it more difficult for intruders to break into your property. Install deadbolt locks on exterior doors for extra protection against burglars and trespassers.

Install Security System

Install a security system to include alarm, sensors, and video cameras around your property. A security system will deter thieves and enhance the safety of your family. It can also qualify you for a discount on your home insurance.

Install Smoke & Carbon Monoxide Detectors

If your Indianapolis, IN home doesn’t already have them, install smoke detectors in your kitchen and hallways close to your bedrooms to alert you of the dangers of fire. A carbon monoxide detector will protect you against carbon monoxide poisoning. These life-saving measures will make your home a safer place to live.

Lock Up Medications

If you have children in your home, lock up your medications in a safe location that’s well out of their reach. You don’t want your little ones getting their hands on pills that can endanger their lives.

You can’t go wrong by boosting the safety and security of your home environment. To learn more about home safety or home insurance options, contact us at Irvington Insurance.

Home Insurance Coverage Options for Indiana Homeowners

As an Indianapolis, IN homeowner, you can reap a variety of benefits from having homeowners insurance. There are a variety of coverage options available. Different factors are considered to determine your homeowner’s insurance rate, including your location, age, and construction of your home, home liability limits, and a variety of other factors. Here is what you need to know about home insurance coverage options for Indiana residents provided by Irvington Insurance.

Home Insurance Coverage Options for Indiana Homeowners

Indiana residents have a variety of options when it comes to homeowners insurance coverage, including:

  • Dwelling
  • Contents
  • Personal liability
  • Medical Payments to others
  • Ordinance or law insurance

Dwelling – Dwelling coverage is for your home’s structure. Items included in this coverage are built-in appliances and wall-to-wall carpet.

Contents – Contents coverage is insurance that covers the belongings that are not built into your home or attached to your home, including clothing, furniture, and similar items.

Personal Liability – Personal liability is the coverage that is used if a guest sustains an injury while in your home. This type of coverage also provides coverage if someone damages your belongings.

Medical Payments to Others – Homeowners insurance provides coverage for medical payments to other people when medical or funeral expenses occur. Medical payments are also covered if someone is injured on your property.

Ordinance or Law Insurance – Ordinance or law insurance coverage can help you rebuild your home, so it’s up-to-date on current building codes after a complete covered loss.

Here at Irvington Insurance, we provide insurance coverage for home, life, and auto. We are dedicated to providing our customers with quality customer service and insurance. Contact us to learn more about the insurance solutions we provide. We look forward to hearing from you.

Essential Spring Maintenance Tips that Positively Impact Your Homeowner’s Insurance

Spring is a time of renewal and rebirth. Get your Indianapolis, IN home ready for the sun with these essential maintenance tips from Irvington Insurance. Besides making your residential property cleaner, safer, and more comfortable, these tasks could also positively impact your homeowner’s insurance premiums and options.


Before you get into the garden for your first spring planting, take some time to look at the trees and shrubbery that line your property. Call a professional service to help you trim back unruly trees that are invading your neighbors’ property, remove large branches that could fall and cause damage, or dead plants that play host to invasive insects.


The winter freeze could leave tiny cracks throughout the foundation. Over time, these small fissures can widen and become a big problem. Inspect the edges of your foundation for holes and other damage. Have it taken care of immediately to avoid big structural issues that could trigger an expensive claim.

Roof and Gutters

The time between the spring thaw and the summer heat could leave your roof soaking in a pool of stagnant moisture. This can seep in the creases between tiles and contribute to the breakdown of your roof. Get a good look at the roof and gutters, paying close attention to holes, missing tiles, and soft spots. Clean your gutters and check them for damage as well. Your local handyman can easily fix small issues before they get out of hand.


Winter gets into your home too. Your basement is one of the most vulnerable parts of your home’s interior. Thoroughly inspect your plumbing and foundation from the inside of the basement for leaks, cracks, mold, and other signs of damage.

Start the new season with a customized home insurance policy that is as fresh as your newly cleaned home. Contact the agents at Irvington Insurance in Indianapolis, IN for a free quote on your residential property.