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Should You Cancel Your Landlord Insurance If Your Property Is Vacant?

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As a landlord, minimizing costs is of the utmost importance. Let’s imagine, for example, that one of your properties is currently uninhabited. Certain things, like landlord insurance, are no longer necessary, right? Canceling it could help you save some money while you’re waiting for the next tenant to express interest and move in. But is that the right move? Here’s why you should keep your landlord insurance, even during times of vacancy. We’ll also explain how you can work with us at Completely Independent Insurance Agency, serving Zionsville, IN, when you need a new policy or need to update your existing policy. 

Should You Cancel Your Landlord Insurance If You Have No Tenants?

Getting rid of your landlord insurance when there’s no one living in your residence isn’t advised. Why? Even if there’s no one living there, getting rid of your landlord insurance could open you up to out-of-pocket costs should someone break in or vandalize the property, or if there’s a development, such as a burst pipe or other property damage outside of your control.

If you’re looking to lower costs, you could always ask for a vacancy endorsement to lower your premium. If you anticipate that the property will be vacant for a while, it may be better to switch over to a vacant property insurance policy. In any case, let your policy provider know about the changes to tenancy. This will prevent you from dealing with any issues with claims and allow you to make any necessary adjustments to your insurance policy, should issues arise. 

Keep Your Rental Safe With Completely Independent Insurance Agency

When you work with us at Completely Independent Insurance Agency, serving Zionsville, IN, you receive the support you need to find and compare quotes seamlessly. We’ll help you get a landlord insurance policy that’s built around your needs and your budget. Start now and compare quotes with us!

Do You Have Difficulty Buying Auto Insurance?

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If you are an Indiana driver, Indiana’s state laws require you to buy auto insurance. You may have questions about your auto insurance options. If you are in the Zionsville IN area, our team at the Completely Independent Insurance Agency can help you get answers to your questions.  We’ve been working with drivers like you since 2023. 

Do You Have Difficulty Buying Auto Insurance?

If you try to buy car insurance, but you are denied coverage, it will be a potential problem,  due to the Indiana laws requiring you to have auto coverage. According to Value Penguin, drivers with a history of multiple accidents or traffic violations can be denied auto insurance. Denials may occur because those patterns indicate a strong possibility of filing a claim. Some cars – such as fast or expensive cars – are also likely to result in an insurance denial.

According to the Indiana FAIR plan,
Indiana  provides alternative insurance options for clients who have had an insurance decline from three or more insurance agencies. The state provides these alternative resources through the Indiana Automotive Insurance Plan. Any licensed auto insurance agent can provide information about the IAIP program to prospective clients. The same website informs drivers that those insurance policies have a higher premium cost, due to the increased potential for a claim. 

Call Us Today for an Appointment 

We pride ourselves on being an independent insurance agency, which means we can offer you a wide range of insurance options. Our team at the Completely Independent Insurance Agency offers personalized attention to each of our clients. Zionsville IN drivers have found they will receive consistently excellent customer service. Call us for an appointment today, and let us work with you to get your car insured. 

Does My Small Business Need Commercial and Commercial Vehicle Insurance?

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Small business owners face various risks and have legal and contractual obligations that necessitate commercial insurance for adequate protection. Regrettably, some small business owners unknowingly expose themselves to significant risk by depending on their personal auto insurance coverage for their business vehicle use. To avoid such an expensive error, allow the Completely Independent Insurance Agency team in Zionsville, IN, to create a commercial and commercial vehicle insurance plan tailored to your business.

Understanding Commercial and Commercial Vehicle Insurance

Small businesses are diverse in nature, and their commercial insurance needs vary based on their industry, legal structure, employee presence, and vehicle use. While many small business owners purchase liability, property, and workers’ compensation coverage, they may not acquire commercial vehicle insurance, assuming their personal auto policy provides the necessary protection. This decision can have significant repercussions for their business.

A business owner’s personal policy does not cover vehicles owned or leased by the business. Similarly, the personal policy will not cover a vehicle the owner or an employee uses for business purposes, including when transporting a client or employee to lunch or a business meeting. Transporting tools or delivering products to clients or work locations also constitutes business vehicle use that requires commercial vehicle coverage.

Personal vehicle insurance liability limits are generally lower than those for commercial vehicle policies. So, even if your insurance company unknowingly accepts some business claims, they may investigate higher-value claims and reject them when you most need them.

Partnering with Completely Independent Insurance Agency

Completely Independent Insurance Agency proudly serves the small business community in Zionsville, IN. Our commercial insurance expertise will help guide your business planning, so stop by today or call (800) 632-3102 to schedule an appointment.