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. 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 […]

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? 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 […]

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 […]

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, […]

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. 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 […]

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 […]

What do I do if the city snowplow hits my mailbox? During a major weather event, snow and ice removal is the city’s top priority. While doing so, there is the possibility of property damage, which commonly includes mailboxes. Property owners are responsible for installing and maintaining mailboxes on roads in Indiana. In the event […]