Gas Line Coverage: Insurance vs. Home Warranty
Gas Line Coverage: Insurance vs. Home Warranty. Last week, a client received a letter in the mail from her local gas company, Center Point Energy, offering coverage for gas line repairs. She then reached out to her Account Manager for clarification on what was being offered. After reviewing the entire letter, we were able to […]
Service Line Insurance – How to Protect Your Home
Service Line Insurance – How to Protect Your Home. As a homeowner, you take great pride in your property, and ensuring its safety and security is of utmost importance. While you might have comprehensive home insurance, there’s a lesser-known but equally crucial coverage option that could be a lifeline for your property—Service Line Insurance. In […]
How a Surveillance Camera can Assist with an Incident
How a surveillance camera can assist with an incident. A home security camera is one of the best tools for home protection, and it can work both as a deterrent and to recover items. Burglars are wary of properties with visible security cameras. If a crime does occur, security cameras can help gather evidence. From […]
Recent Updates in the Personal Insurance Market
Updates in the personal insurance market. As an independent insurance agency, we strive to provide our clients with the best coverage options at competitive rates through our 20+ carrier partners. However, the industry has seen recent updates in the personal insurance landscape, which have presented challenges in terms of high premiums and declines in coverage […]
What is the Difference Between a Home Warranty and Equipment Breakdown?
What is the difference between a home warranty and equipment breakdown? In this blog I will review the differences and similarities between equipment breakdown insurance coverage and a home warranty. EQUIPMENT BREAKDOWN COVERAGE Equipment breakdown coverage is an endorsement that can be added to a homeowners’ policy. There are no square footage limits and coverage is available nationwide. Equipment breakdown […]
Does the Car Wash Clear Coat Really Protect My Car?
A clean car not only looks nice but it is protected from damage by environmental factors that can harm your paint. Most car washes offer a clear coat finish, but does it really protect your vehicle? Conner Insurance partners with over 20 carriers to bring you the auto insurance you need at rates and coverage […]
Will the City Reimburse Me if I Blow a Tire on a Pothole?
You find yourself on the side of the road with a blown out tire after encountering a dreaded pothole. What’s next? Who’s paying for this!? According to AAA, drivers in the U.S. spend nearly $3 billion a year fixing damage caused by potholes. Indiana is ranked second in the country with the worst pothole problems. At Conner Insurance, […]
Underinsured Motorist Coverage in Indiana
I want to share information about Underinsured Motorist (UIM) coverage. Recently, a client requested Underinsured Motorist Property Damage (UIMPD) coverage to be added to his auto policy, which is not available in the state of Indiana. Only UIMBI (Underinsured Motorist Bodily Injury) coverage is available in this state. WHAT IS UNDERINSURED MOTORIST COVERAGE Underinsured motorist coverage protects a […]
What I have Learned about Coverage D
What I have learned about Coverage D. There is a client who had a water loss, which resulted in damage to her flooring. Contractors were unable to begin repairs until after the new year, which leaves her family with concrete slab flooring in cold temperatures. She reached out to me for assistance, to see if […]
What is Recoverable Depreciation?
A common question I receive when discussing with clients is, “what is recoverable depreciation?” Recoverable depreciation is the difference between actual cash value and replacement cost. A recoverable depreciation clause in an insurance policy accounts for the deterioration in the value of insured possessions and gives the homeowner the ability to claim that difference. The […]