So, my homeowner’s policy doesn’t cover flood… what protection do I have against water?

Is it flood or is it not? One of the most confusing areas of a homeowner’s insurance policy has to do with covering water damage. Is it covered or excluded??? No traditional homeowner’s policy offers any protection for flood insurance yet there is protection for water damage but it depends on the cause.  Without over-simplifying it, … Read more

Do you know your auto liability limits?

Auto liability limits… do you know yours? A surprising amount of insured drivers are unaware what limits of liability the have on their auto insurance. Many states have legal minimums which must be met but they tend to be dangerously low. This leaves many drivers exposed to unnecessary risk. For example, Indiana’s state minimum limits are 25/50/10 (or … Read more