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 […]

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 […]

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 […]

What to do after storm damages. While warmer weather is always a welcome reprieve from the harsh winter cold, it also signifies a risk to policy holders. Typically Spring and Summer means picnics in the park, swimming, evening walks, and star gazing; it also means severe weather can happen anytime day or night. Conner Insurance would like […]

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 […]

Insurance definitions you need to know. I want to include a bit of information on a very important, but easily overlooked part of an insurance policy, the definitions. When defining the scope of coverage, insurance policies rely on terms and phrases that have specific meanings. The definitions are important as they establish the meanings of […]