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How can a landlord insurance plan protect my property?

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Owning a rental property can be a great option for people in the Zionsville, IN area. When you are an investment property owner, you will enjoy having an income-producing asset that can also appreciate in value. When you get this type of investment property, you do need to get the proper insurance for it. A landlord insurance plan can protect your Indiana investment property in various ways. 

Property Protection

One of the advantages of having a landlord insurance plan is that it can protect your property. With tenants occupying your home, you have less control over potential damage caused by negligence, fire, or other risks. When you have landlord coverage, you will have the support needed to make repairs. If the property cannot be occupied for a period of time during remediation, you may also receive coverage for any income you lost during that time.

Liability Support

There are also more liability risks that come when you rent a property out to a third party. If a tenant, or their visitor, is injured while on your premises, you can be held liable. If this happens, the cost to cover medical bills and other damages can add up quickly. If you continue to carry a landlord insurance plan, you will get support to mitigate this risk.

Reach Out To Us

If you are a property owner in the Zionsville, IN area and intend to lease the home out as an investment property, having landlord insurance is extremely important. As you are looking to build a new policy in this part of Indiana, you should call our team with the Completely Independent Insurance Agency. There are a lot of important choices to make when you are shopping for a plan, and our team with Completely Independent Insurance Agency can help you build a new policy. 

Protection You Didn’t Know You Needed as a Contractor

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As a general contractor, your daily work involves risk. You prepare for that risk with safety measures. Your contracting business deserves the same protection! Completely Independent Insurance Agency is here to serve Zionsville, IN area business owners with all their insurance needs. 

You can protect your business with a few steps:

Plan for emergencies.

Emergencies happen every day. The best way to deal with them is to plan for emergencies on your worksites and train your employees to respond. Employees should have a clear emergency plan to follow in case of fire, earthquake, flood, or other disaster.

Provide safety equipment.

Injuries on the job can be devastating and costly to you, your employee, and your business. Hard hats should be provided for all employees at construction sites and employees that use heavy machinery or specialty equipment should have gloves, goggles, and any other recommended items. 

Secure valuables.

Unfortunately, theft is an everyday occurrence no matter where you live or work. Encourage your employees to secure valuables such as wallets, electronics, and jewelry in a safe place like their vehicle, or provide a locker and lock for employee belongings.

Reach Out To Us

Sometimes, despite our best efforts, disaster strikes. That’s where insurance products come in to protect you, your employees, and your business. There are several types of insurance that may be beneficial to your business. These can include builder’s risk insurance, commercial auto insurance, and business property & liability insurance. Some types of insurance are required for any business by Indiana law, such as worker’s compensation.

Just like you and your employees use the right tools for every job, Completely Independent Insurance Agency in Zionsville, IN has the right tools for the job when it comes to protecting your small business interests. Contact us today for more information on how we can help you protect your most valuable asset: your contracting business!

Documents you should always keep in your vehicle

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Driving is a necessity for most people. Public transportation is not an option in many small cities and towns. At  Completely Independent Insurance Agency in Zionsville, IN, we know how important driving is to our customers, and we make sure that they know the necessary documents they need to carry with them in their vehicles at all times. 

Documents you should always keep in your vehicle

Your auto insurance card

In the state of Indiana, you are required to carry auto insurance. The requirements are 25/50/25. This is $25,000 for injuries sustained by the first person in an auto accident where you are named as the responsible party. The total for all inured persons is $50,000. $25,000 is required for damage to property. Drivers are also required to have $50,000 in uninsured and underinsured drivers unless they opt out of this coverage in writing. Your auto insurance card is proof that you need to carry that you have auto insurance coverage. 

Your vehicle registration 

Vehicles in Indiana need to be registered with the state. The registration document identifies your vehicle by the VIN number so that you can prove that you are the owner of the vehicle you are in possession of.  You must always have an active registration to be on the road in your vehicle. If you are pulled over by law enforcement, you will be asked to show your registration, so make sure you keep it in your glove box. In some counties, you will need to get an emissions test. Be sure to check if it applies to you. 

Your driver’s license

Most people keep their driver’s license in their wallet as a form of ID. Make sure to carry your wallet with you anytime you are driving your vehicle. 

Keep Your Insurance Policy Updated

Contact Completely Independent Insurance Agency in Zionsville, IN for all your auto insurance needs.