Tips & Tricks

What Is Service Line Coverage?

Adam Murray – July 20, 2020

If you are like most people, you probably fall into one of two categories. Either you are completely unaware that the maintenance of the service lines that run to your house is your responsibility or you are aware and as a result have purchased a home service line warranty. Did you know that service line […] Read More

Catalytic Converter Theft

Jacquelyn Bennett – July 14, 2020

A recent jump in the price of certain precious metals has caused an increase in catalytic converter thefts. Catalytic converters, which convert your cars pollutant gas into less harmful ones, are one of the easiest car parts to steal. If you notice a loud rumbling sound as soon as you turn on your engine, your […] Read More

Common Business Insurance Claims and How to Prevent Them

Jim Tice – July 13, 2020

According to one survey we have seen, a business loses $7 off its bottom line for every dollar they collect from an insurance company.  For that reason alone, it is important that businesses do all they can to reduce or prevent insurance claims. The most common claim we see on business insurance policies (other than […] Read More

Leasing a Car vs. Buying a Car

Daniel Crichlow – June 1, 2020

So your car is on its last leg, literally. It only has one good tire left, very little braking power, bad steering control, the AC doesn’t work anymore, and it’s leaking oil. You decide it’s time to let old ‘Thunder’ go out to pasture and find a new KITT (the car from Knight Rider). Now […] Read More

Risks With Door to Door Contractors

Adam Murray – May 18, 2020

Have you ever had someone show up at your door offering you the deal of a lifetime? It’s not uncommon for someone to show up at your door, offering their services for home repairs, pest control, paving work, etc. While some door-to-door contractors are just trying to make an honest living, a little healthy discretion […] Read More

Does My Insurance Cover Parking Lot Accidents?

Daniel Crichlow – April 27, 2020

Hitting a parked car. Either you have experienced this or know someone who has. Whether you were the one that hit the parked car or your car was hit, it’s never fun! It also raises some questions about coverage. If you hit someone’s car, what is your responsibility? If your car is hit and there […] Read More

Reducing Distractions While Driving

Adam Murray – April 20, 2020

We have all been there. Running 10 minutes late, driving with our knee while simultaneously putting on our seatbelt and fussing with google maps, trying to figure out if we need to merge east or west. Or, maybe you come to a stoplight and think to yourself, “this is a good time to return that […] Read More

Do I Need Mission Trip Insurance?

Adam Murray – March 16, 2020

“Go therefore and make disciples of all nations, baptizing them in the name of the Father and of the Son and of the Holy Spirit, teaching them to observe all that I have commanded you. Matthew 28:19-20 This is the last command that Jesus gave his disciples recorded in the book of Matthew. Across the […] Read More

How Our Lives Became Driven by Price

Daniel Crichlow – December 17, 2019

It is very interesting to me how we have seen a shift in culture over the past decades. Not all of this shift is bad though. It drives innovation, entrepreneurship, freedom in the market and helps to prevent monopolies. However, this shift has some consequences as well. It forces certain suppliers to cut on quality, […] Read More

Halloween Safety

Adam Murray – October 28, 2019

Fall means Halloween isn’t far away and while that means lots of fun for kids, it also brings a lot of safety concerns. Dark streets when kids are thinking more about candy than cars is a real threat. Statistics show a child is twice as likely to be hit by a car on Halloween than […] Read More

Helping Employees Get Through the “Winter Slump”

Daniel Crichlow – October 14, 2019

We’ve all been in situations during the cold, dark winter work months where we simply want to act like a bear and either hibernate until Spring or lash out at people. But as a productive member of society, and your workplace, those oh so tempting options just aren’t practical. Whether you are an employer looking […] Read More

Personal Firearms Safety

Tony Grahn – September 11, 2019

According to a survey in 2018, the U.S. is by far the leading gun-owning country in the world, beating out the next country by more than 50%. While sales have declined during Trump’s presidency, industry data has clearly shown that gun sales have doubled over the past decade. Many Americans are exercising their right to […] Read More

What Are the Signs of Heat Illness?

Daniel Crichlow – August 26, 2019

As a prior golf professional and a high school golf coach, looking out for heat-related illnesses such as heat stroke was very important. Sure, the risk wasn’t as high as sports such as football, but it was still there. Some people can suffer from heat illness just by sitting in the heat for too long. […] Read More

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How Can I Protect My Home While on Vacation?

Tony Grahn – August 19, 2019

It is the season for vacations. But it is not a vacation when you come home to find that your home as been burglarized while you were gone. Below are a few things you can do to reduce that risk while you are away. Don’t post pictures While it is tempting, don’t post pictures of […] Read More

Why You Should Use a Realtor

Daniel Crichlow – July 30, 2019

My wife and I are beginning to look for a new home, which is so exciting. However, shopping for a home, or even trying to sell a home, can be a very stressful thing! It can feel like you’re trying to climb a mountain with no rope – scary! However, when we started this process, […] Read More

Car Insurance Tips for Seniors

Jim Tice – June 17, 2019

According to the American Automobile Association, drivers in their 70’s have more collisions per mile than any age group. (except those under 25) In their late 70’s they have about the same rate of injury-involved accidents as drivers their early 20’s. The reasons are obvious. As we age, our reflexes slow, making it more difficult […] Read More

Motorcycle Safety Tips

Jim Tice – May 20, 2019

Few things provide as much pleasure as riding a motorcycle on a lightly traveled winding country road. Unfortunately, to get to these roads a motorcyclist usually needs to navigate heavily traveled city streets and interstate highways. While this is a lot less dangerous than many people think there is no doubt a motorcyclist is in […] Read More

How Prepared Is Your Church Against an Act of Violence?

Adam Murray – May 14, 2019

It’s 10 am and you’re getting ready for bed. You brush your teeth, wash your face and put on your PJ’s. Finally, you walk through the house to make sure the doors are locked, the alarm is set, and you leave the front porch light on to make sure that any unsavory fellows out there […] Read More

Home Maintenance Tips

Jim Tice – April 29, 2019

Few things are as disrupting to a budget as unscheduled repairs to your home. Yet having a plumber, electrician, carpenter, or other professional contractor to keep things in tip-top shape can be expensive too. The solution is to conduct regular inspections of your house and learn how to do the routine things yourself. This not […] Read More

What You Should Know as a First Time Home Buyer

Daniel Crichlow – April 15, 2019

My wife and I are about to begin searching for our first home. With this new season approaching, I’ve started to think about what things I need to understand to be the most prepared for this large decision, especially in this very competitive housing market. One of the things to understand is what about the […] Read More

Do You Know When You’re Going to Die?

Daniel Crichlow – April 11, 2019

If you know when you’re going to die, don’t read this blog. The tricky thing about life insurance is that you don’t know if you’ll use it, or if you do, when. Similar to property and casualty insurance such as home insurance, not knowing if you’ll need it is what makes it hard to buy. […] Read More

Insurance Tips for Empty Nesters

Tony Grahn – March 11, 2019

The kids are grown up, have left the house, and now you and your spouse are empty nesters. How can you make the most of this new stage in life? What lifestyle changes might be impacted by this new transition that might need to be reflected by your insurance protection? Secure an Umbrella policy If […] Read More

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Estimating Homeowners Insurance for a New House

Jim Tice – February 25, 2019

Spring is a popular time for people to begin the process of shopping for a new house. The decision of whether or not to move, and what house to choose, is often driven by the cost involved. Of course, the cost of the house is most importan and interest rates are also a major consideration, […] Read More

Daily Habits to Keep You Healthy

Daniel Crichlow – January 7, 2019

We’ve all tried, or know someone who has tried a diet, or a New Year’s resolution to help them get healthier. However, it ends up being a train wreck, and if we’re honest, sometimes pretty entertaining to watch. There is a major reason that New Year’s resolutions, diets, and other new trends don’t work – […] Read More

Thanksgiving Decorating Tips

Jacquelyn Bennett – November 19, 2018

For many, Thanksgiving is when the coziness of winter begins. Use the following decoration ideas to help make your house cozy, and ready for Thanksgiving! (Click on the pictures for the links) Decor Centerpieces Table Settings Wreaths Thankfulness Trees Hopefully this provides you with some inspiration for how to make your Thanksgiving a cozy experience! Read More

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Concentration & Study Tips

Daniel Crichlow – November 12, 2018

Whether you’re about to take a hard final exam, or are studying for your first insurance designation exam, knowing what to study, how to study, and how to concentrate on what you’re studying is important. Here are my top 5 tips on how to improve your study and concentration skills. 1. Increase the number of […] Read More

Top 5 Fireplace Safety Tips

Daniel Crichlow – October 15, 2018

We no longer build fireplaces for physical warmth, we build them for the warmth of the soul; we build them to dream by, to hope by, to home by.” Edna Ferber I don’t know about you, but when the leaves start to change color, and the weather becomes colder, I start to get excited, because […] Read More

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Water Damage While Away

Jim Tice – October 1, 2018

Would you ever leave on vacation without locking your house? According to a study done by one major insurance company, most people wouldn’t. 85% lock their windows and 77% make sure their doors are deadbolted before heading out. However, an even greater risk to the safety of your home is typically ignored, water damage. Only 22% […] Read More

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How to Prepare Your House and Car for Cold Weather

Daniel Crichlow – September 17, 2018

We’ve all been in a situation where the elements are ripping into us, and making life miserable. All we can do is think about getting into our nice warm car to find a small haven from terrible mother nature, only to hear the most nightmarish sound imaginable… silence. Your car won’t start. Now you’re faced with […] Read More

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Updating Your Resume – Tips & Free Help

Jacquelyn Bennett – September 10, 2018

The average recruiter spends 6 seconds looking at your resume.   6 seconds. Let that sink in. .. If your resume only gets looked at for 6 seconds, what do you want to stand out? This is why you need to take the time to polish your resume.   Read the tips below for help. […] Read More

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What Should Newlyweds Know About Insurance?

Daniel Crichlow – August 27, 2018

Coming up to my wife and I’s one year anniversary has me thinking how marriage affected our insurance as newlyweds. Was there anything I could have done to improve my insurance coverage? If you’re about to get married or have been married for years, there are still some things you should consider. Top 5 things […] Read More

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What to Do After Buying Your First Insurance Policy

Daniel Crichlow – August 13, 2018

You just bought a new insurance policy from an independent agent. Congratulations! Now what do you do? There are five things you should make sure you accomplish after you buy a new insurance policy:        1. Know who to call. When you buy a new insurance policy, the people you will call in the event […] Read More

When Should I Drop Full Coverage on My Car?

Jim Tice – August 8, 2018

When is a car old enough to drop full coverage on it? There are two major divisions of coverage on the auto policy.       1. Liability. This coverage is intended to cover the other person if you cause an accident or cause damage or injury. Liability is always necessary. It is, of course, […] Read More

Recipe's for Summer - Raspberries

Recipe’s for Summer – Raspberries

Jacquelyn Bennett – July 27, 2018

If you have never seen a video of a bunny eating raspberries, you haven’t lived. Before you read on, you must watch the following video. Funny, Cute Bunny Rabbit Eating Raspberries! Sweet Funny Bunnies Rabbits Funny bunny eats raspberries. Sweet bunny rabbit eating fruit, rasberrys. Cute funny bunny rabbit eats rasberries – berries. Funny bunnys, […] Read More

Staying Safe with Fireworks

Staying Safe with Fireworks

Adam Murray – July 2, 2018

A couple of years ago on the 4th, I was sitting on the beach of Lake Michigan. My family and I were waiting for fireworks to begin. 5 minutes prior to start time, I heard fireworks going off, and turned around just in time to see a man, on fire, running into the lake. Thankfully, there […] Read More

What Is Usage Based Car Insurance?

What Is Usage Based Car Insurance?

Jim Tice – June 25, 2018

For many years, car insurance rates have been determined by familiar factors such as the driver’s age, sex, driving record, type of vehicle, how the vehicle is used, and credit ratings. Modern technology is making possible the use of other factors which could revolutionize car insurance. This is called Usage Based Insurance (UBI). Some companies are now testing UBI. […] Read More

Pre-Ride Motorcycle Prep & Local Motorcycle Routes

Pre-Ride Motorcycle Prep & Local Motorcycle Routes

Jim Tice – April 30, 2018

If you own a motorcycle, now that warmer weather is finally here, you are undoubtedly ready to hit the road and enjoy the wonderful freedom that only a motorcycle can bring.  Before taking your first ride there are a few things you should do. Assuming you properly prepared your motorcycle for winter storage (fuel stabilizer and […] Read More

How to Plan a Successful Spring Break Trip

Daniel Crichlow – March 12, 2018

Are you planning a Spring Break trip? Before you make all of your final plans, think about these five things: 1.  What is the culture like where I am going? If you’re traveling outside of the U.S., or to a different state, make sure you research cultural norms. In some countries, pointing with your index […] Read More

How Do I Kick the Cloudy Weather Blues?

Adam Murray – March 5, 2018

Cloudy weather got you down? It happens to the best of us. Although I generally enjoy cool, cloudy weather, sometimes we just want some sunshine. Here are some of the ways that I cope with less than desirable weather. Exercise Getting to the gym or doing some cardio right in your own living room can […] Read More

What Does Wedding Insurance Cover and Why Do I Need It?

Adam Murray – February 19, 2018

As a newly engaged man, the last thing I want is for disaster to strike our special day. Unfortunately, there are many dangers that our wedding is exposed to. Thankfully, wedding insurance can be a great way to protect the investments you have made in your wedding day. Not all wedding protection policies are the […] Read More

Should I Review My Insurance Annually?

Tony Grahn – February 5, 2018

One thing most people generally do not put down as a New Year’s resolution is to review their insurance.  Whether you consider an insurance review a resolution or not, you should consider it annually! Below are 3 reasons why you should do so. Savings There are many factors that can increase your premiums, whether they […] Read More

Ways to Give Back This Christmas Season

Jim Tice – December 18, 2017

Receiving gifts is enjoyable, but not nearly as rewarding as giving.  There are so many worthy causes, No one can afford to donate to all of them, but below are some ideas you should consider. 10 Ways to Give Back Visit a homeless shelter and donate blankets, gloves, socks, hats, or coats. We would recommend […] Read More

What Do I Do with My Motorcycle During Winter?

Jim Tice – December 13, 2017

With good motorcycling days gone, it’s helpful to review the steps for storing your motorcycle during winter. This will allow it to start and run well when spring rolls around.  Attention needs to be paid to both the fuel and ignition systems. Clean Your Fuel Tank. Fuel left in a tank over the winter can gum […] Read More

Why Should I Schedule Contents?

Adam Murray – November 20, 2017

The most overlooked aspect of insurance is scheduling property on a homeowners or renters policy. Many people don’t know why they need to schedule contents. Or, even worse, they don’t know what to schedule. Hopefully, this article will help serve as a guide. There are generally 3 major reasons to schedule your property: Eliminate Sub-limits […] Read More

How Can I Save Money on My Insurance?

Daniel Crichlow – October 18, 2017

Can you really save premium without cutting coverages? I hear this a lot, and the simple truth is, YES! I consistently work with clients who are fed up with trying to penny pinch while still staying safe. Trying to save money while maintaining quality coverage can be tricky. You have to pick the right combination […] Read More

6 Fall Activities near Indy

Jacquelyn Bennett – October 16, 2017

You’re walking outside, under a cloudless, deep blue sky, and hear the crunch of fallen leaves under your feet. You breathe in the cool crisp air and somehow you can tell that fall is here. For many people, Fall wouldn’t be complete without pumpkins, cider, hayrides and more. However, it is easy for some of […] Read More

Cold Weather Tips for Winter

Jim Tice – January 10, 2017

As winter is coming closer, now is a good time to review the things we need to do to prepare our homes and cars for the harsh winter conditions.  Here is a quick checklist to help you make sure you are prepared: Cold Weather Home Tips Protect Your Pipes Leave faucets dripping. Drain water from […] Read More