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What’s the difference between full coverage and liability only car insurance?

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Your vehicle is one of your most significant assets, making it crucial to protect it with the appropriate level of car insurance. When shopping for car insurance, your insurance agent will generally ask you whether you prefer full-coverage car insurance or liability-only car insurance. At the Completely Independent Insurance Agency serving Zionsville, IN, we assist our customers in choosing the insurance coverage that best suits their requirements.

Full Coverage Car Insurance

Full coverage car insurance combines a variety of insurance types to provide maximum coverage in case something happens to your vehicle. Full coverage car insurance typically includes:

  • Liability insurance, which covers the repair costs for another vehicle if you’re at fault in an accident.
  • Comprehensive insurance, which pays for the repair of your vehicle if it’s damaged in a non-accident related situation, such as a fire or theft.
  • Collision insurance covers the repair costs for your vehicle if it collides with an object or another vehicle.

Full coverage car insurance often includes optional roadside assistance, which can cover costs like towing or a flat tire if your car breaks down. If you have an auto loan, full coverage is often mandatory.

Liability Only Car Insurance

Liability-only car insurance covers the repair costs for the other driver’s vehicle if you’re at fault in an accident. It’s the most basic type of automotive insurance and is mandated by law in most states.

Are you looking for car insurance for your vehicle? Are you trying to decide between full coverage and liability only? The Completely Independent Insurance Agency, serving Zionsville, IN, can help. Contact us today to speak with one of our knowledgeable agents and learn more about how our insurance products can meet your needs.

Understanding Loss of Rent Coverage and Why It’s Important

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The Significance of Protecting Your Rental Property Investments

As a landlord, safeguarding your investment is crucial. At Completely Independent Insurance Agency, serving Zionsville, IN, we understand the complexities of managing rental properties and the importance of securing appropriate insurance coverage. Loss of Rent coverage is one particular coverage you might not have yet considered.

What is Loss of Rent Coverage?

Loss of Rent coverage, or Rental Income Insurance, protects landlords from financial loss when a rental property becomes uninhabitable due to events such as fire, storm damage, or vandalism. It ensures you continue receiving rental income even when your tenants can’t occupy the property. This maintains the cash flow, enabling you to keep up with mortgage payments and property maintenance.

Why is Loss of Rent Coverage Important?

Imagine a scenario where a fire severely damages your rental property. You would not only face repair costs but also lose the rental income you depend on. Without Loss of Rent coverage, this double hit can be financially devastating. This coverage acts as a safety net, covering the lost rental income during the repair period. This allows you to concentrate on restoring your property to its rentable condition without the added stress of lost income.

Secure Your Rental Property Investments

Protecting your rental property is not just about covering physical damages; it’s also about safeguarding your income. At Completely Independent Insurance Agency, serving the greater Zionsville, IN region, we are here to help you understand and secure the best coverage for your needs. Contact us today to learn how Loss of Rent coverage can provide peace of mind for your rental investments.

Commercial Insurance and What It Means for Your Business

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If you own a business, commercial insurance is essential. The reasoning behind this is simply Murphy’s Law. Anything that can go wrong, will go wrong. Unforeseen circumstances occur. Commercial insurance prevents these instances from becoming as severe as possible. Accidents, fires, thefts, and lawsuits do not have to be the end of your business, especially when you’re insured against them. When you secure a commercial insurance policy, you support your business by providing protection against all covered losses, such as bodily injury, personal damage, or professional errors.

How It Works

Essentially, commercial insurance provides coverage for a plethora of unexpected events that could potentially harm your business. For instance, if company equipment is stolen or a fire occurs, the losses can be recouped by filing a claim with the insurance company. This claim will be thoroughly investigated to determine the cost of damages. If these costs fall within the policy limit, you will receive financial support to repair or replace what has been lost, allowing you to get your business back on track.

Remember, having an experienced insurance agent working with you is crucial to ensure that you have the right policy tailored to your specific business needs. The coverage amount and the particular events that are covered all depend on the unique features of your insurance policy.

Completely Independent Insurance Agency Serving Zionsville, IN

If you are located in the Zionsville, IN, area and need commercial insurance, please get in touch with the Completely Independent Insurance Agency. Our experienced and exceptional agents will go above and beyond to help you obtain the policy suitable for your needs.

How to Ensure Maximum Safety on Your Summer Road Trip

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The Bureau of Transportation Statistics reports that the average long-distance summer trip in the United States is nearly 300 miles one way. Americans love traveling, and there is much to see and do. However, before hitting the road, you should take a moment to consider safety. The proper preparation and ensuring that your car is properly insured can go a long way. If you’re looking for an insurance company that serves Zionsville, IN, and other nearby communities, contact the Completely Independent Insurance Agency before you hit the road.

Preparing for Summer Road Trips

First, you should study your routes and be aware of common dangers. For example, if you’re traveling through a hot desert, you must be mindful of the heat and have bottled water. You’ll need a spare tire, regardless of where you’re driving. Packing road flares, canned tire inflators, and other basic safety gear is also beneficial.

Of course, you also need the appropriate auto insurance policy. Suppose there are specific dangers, such as traveling to areas where car break-ins or inclement weather are common. In that case, ensuring you’re adequately covered with the correct auto insurance policies is wise. You may also want to consider a roadside assistance policy. These policies may cover certain costs, like changing a tire or unlocking your car if the keys are locked inside. You can purchase separate programs; some insurance policies will allow you to add coverage.

The right auto insurance policies and preparation can significantly reduce risks during your summer road trip. So before you hit the road, speak with an insurance agent. If you need an insurance agency that serves Zionsville, IN, contact the Completely Independent Insurance Agency before you hit the road.

Why would I want to have a landlord insurance plan for my rental property?

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Anyone who lives in the Zionsville, IN area will fully understand that there is a lot of demand for housing. While this can make it a great place to own your own home, it can also be an excellent place to own an investment property and lease it out to others. When you are looking to purchase an investment property, you need to have a landlord insurance plan in place. There are various reasons to get this coverage here. 

Protect Assets

A primary reason to have a landlord insurance plan is to ensure you are able to protect your assets. An investment property could be damaged by fire, weather, or other risks, including the risk that a tenant will cause damage. You will have coverage for these risks if you have the right insurance. A landlord insurance plan is designed to mitigate this concern. 

Further Liability Coverage

Many types of liability insurance can come with owning a rental property. A landlord insurance plan is a great way to go when you are looking to protect yourself. When you have this insurance, you will receive unique liability coverage that can help ensure you are covered if you, or a lessee, are found liable for an accident. 

If you invest in a rental property and live in the Zionsville, IN area, you will want to have a full landlord insurance plan. Once you are ready to start shopping for a new plan, you can get much support by calling our team with the Completely Independent Insurance Agency. Our professionals with the Completely Independent Insurance Agency know the value of this coverage and will help you build a proper plan to protect you and your property. 

Operating An At-Home Business and Insurance

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Do you operate a home-based business in the Zionsville, IN, vicinity? If so, it’s essential to know that Completely Independent Insurance can protect your venture. Small or home-based businesses, like any other businesses, should ensure their operations with apt commercial insurance. Let’s discuss two common misconceptions about insuring home-based enterprises.

Home Insurance is Sufficient to Protect Home-Based Businesses

Homeowners insurance is designed mainly to shield personal residences and their contents. It typically doesn’t envelop business furniture, computers, software, inventory, or equipment. Business-related losses wouldn’t likely be covered under a standard home insurance policy. Similarly, your home insurance policy wouldn’t typically include liability coverage for any injury that results from your business activities.

Home-Based Businesses Don’t Require Business Insurance

Regardless of their locations, business insurance is designed to cover commercial activities. Running a business from home without proper insurance is risky. Your home insurance wouldn’t cover any losses stemming from business-related incidents. Understanding this vital distinction is pivotal.

Safeguard Your Business Interests

If you operate a business from home, we recommend reaching out to Completely Independent Insurance Agency, serving Zionsville, IN. We’d be happy to discuss your business, potential risks, and steps to safeguard your investment. We’ll design a plan to cover your business-related property and liability risks – you might find that adequate coverage is more affordable than you think.

Get started by giving a call to Completely Independent Insurance Agency today. We understand businesses of diverse sizes, their associated risks, and the value of peace of mind.

Do You Need Insurance For a Test Drive?

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Insurance Essentials When Test-Driving Vehicles in Zionsville, IN

Buying a new or pre-owned vehicle in Zionsville, IN, can be exciting, but it’s also a process that requires due diligence—beginning with test-driving potential choices. A crucial part of this process is ensuring that the vehicle in question is adequately insured.

Who Needs to Insure It?

The current owner should provide the insurance coverage for a car being test-driven—that could be either a dealership or an individual. That’s why most sellers won’t ask for proof of insurance before a test drive. Insurance isn’t a worry for test drives at an established dealership. However, when dealing with an individual car owner, always check if the vehicle is insured to prevent risks.

What if You Purchase the Car?

Even if you already have auto insurance, contacting your insurance agency before finalizing the car purchase is advisable. Your current insurer might not cover certain cars, so it is better to be aware of this before the purchase than afterward. If you replace your vehicle with a new one and already have car insurance, your policy might cover the new car automatically for a limited period. However, inform your insurer about the car purchase without delay. The grace period for coverage varies between insurers, generally ranging from one to four weeks.

Completely Independent Insurance Agency is dedicated to helping motorists find suitable auto coverage by comparing policies from various insurers. Our helpful and friendly staff in Zionsville, IN, can answer all your queries. You can also count on us for insurance for motorcycles and RVs. Get started today by calling Completely Independent Insurance Agency at 800-632-3102.

Differences Between Landlord Insurance and Renter’s Insurance

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For landlords and tenants in Zionsville, IN, figuring out what type of insurance you need can get complicated. Our team at Completely Independent Insurance Agency is here to ensure that you – whether you live in rental properties or own rental properties – don’t get the wrong kind of insurance. One of the most common confusions new landlords have about insurance is what policies would be appropriate for their needs. If you’re a new landlord or a seasoned landlord, our general information about these insurance policies can help you understand what makes each one unique.

What Is Landlord Insurance?

Landlord insurance is designed for landlords who want to protect their properties from damage, liability, and other concerns. It may be legally required in some areas, but even when it’s not necessary from a legal perspective, it’s smart to have it from a practical perspective. As a landlord, your income from rentals may support your lifestyle or family so it’s important to protect it with the right policy.

What Is Renter’s Insurance?

Renter’s insurance is for tenants to protect their belongings and cover qualifying damage in the rental unit. While every policy is different, some renter’s insurance policies may protect belongings against theft or cover expenses related to qualifying disasters.

How Are They Different?

Renter’s insurance is for tenants who rent apartments and houses. On the other hand, landlord’s insurance is for landlords and property owners. They cover different things in terms of damage, liability, and other aspects of the landlord-tenant relationship. 

Consult With Us

To learn how our team of professionals can help you protect your rental property in Zionsville, IN, call our team at Completely Independent Insurance Agency. You can also stop by our office to speak with one of our landlord insurance professionals.

Key Things to Know about Commercial Cyber Insurance

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Computers are so integrated into our businesses today that it is difficult to imagine doing the job without them. Computers allow us to connect with people next door and around the globe. While that interconnectedness has many benefits, it also brings risks in the form of cybercrimes that could derail your business. If you live in or near Zionsville, IN and want to discuss protecting your company against the financial effects of cybercrime, our team at Completely Independent Insurance Agency is here to serve you.

What is Cyber Insurance and How Does It Help?

Commercial cybercrime involves using computers to steal information or keep a business from using its data and computers to conduct its business. Some cybercrimes involve information theft, and others attempt to hold companies for ransom.

Cyber insurance offers protection against the effects of these crimes by covering three types of losses:

  • First-party: Reimburses your direct losses, such as the cost to assess an attack and inform clients their data was stolen, as well as lost revenues and potential ransomware payments.
  • Third-party/cyber liability: Covers customer or supplier settlements, attorney fees, and losses when an attack on your business harms them.
  • Errors and omissions: Often technology-focused, this covers losses others suffer when your products or services include faulty logic or code.

Insurance companies often require businesses to take preventive measures or use specific security practices to qualify for commercial cyber insurance. Others discount the premiums based on the depth and breadth of steps taken.

Working with Completely Independent Insurance Agency

Completely Independent Insurance Agency handles the business and personal insurance needs of people in the Zionsville, IN area. Call us today to discuss how we can help protect your company and personal assets.

Four reasons to include comprehensive coverage on your auto insurance policy

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For complete auto insurance coverage in Zionsville, IN, you should purchase a policy with comprehensive coverage. At Completely Independent Insurance Agency, we can answer all of your questions about comprehensive coverage and other types of auto insurance coverage.

Here are four reasons to include comprehensive coverage on your auto insurance policy:

Comprehensive coverage includes flood damage.

Comprehensive coverage is especially important if you live in an area that is prone to flooding. A flood can completely destroy a vehicle. With comprehensive coverage, you’ll be reimbursed for auto damage that results from floods. 

Comprehensive coverage will pay for repairs after vandalism.

Collision coverage alone doesn’t usually cover damage costs after incidents of vandalism. With comprehensive coverage, you’ll be covered for both vandalism and theft. This makes comprehensive coverage especially important for those who periodically need to drive in high-crime areas.  

Comprehensive coverage covers damage resulting from a collision with an animal.

Getting in a collision with a large animal such as a deer can do a lot of damage to your vehicle. If you have comprehensive coverage, you can get damage caused by animal collisions covered by your auto insurance policy. 

Comprehensive coverage gives you more peace of mind as a motorist.

There are plenty of expenses that you could end up facing as a motorist, but including comprehensive coverage on your policy can protect you from most of them. This means that you’ll enjoy the most peace of mind as a vehicle owner if you have comprehensive coverage. 

Reach Out To Us

You can get a quote on an auto insurance policy with comprehensive coverage by getting in touch with Completely Independent Insurance Agency. Let us provide you with the auto insurance coverage you need in Zionsville, IN.