If you’re a homeowner in Indianapolis, IN or the surrounding area, you can count on the IAL Insurance team. We’re here to help you with all of your insurance needs. Give us a call or come by our office to learn more about our helpful services.
Now’s a Great Time to Review Your Homeowner’s Insurance
Did you know that it’s advisable to carefully review your homeowner’s policy on a regular basis? This can help prevent you from finding yourself in a situation where you’re underinsured. As you build equity in your home and its value increases, your insurance needs are likely to change. This is also true if you’ve done any major home improvement job on your home or added an addition or another structure to your property.
Most people simply renew the same policy year after year without giving it too much thought. This is human nature, but also a habit that can cause unnecessary stress down the road. If you schedule a policy review every year with your local agent, it’s much less likely that you’ll find yourself in a situation where you don’t have the coverage you need.
As time goes by, your insurance needs can often change. It’s been a while since you’ve taken a close look at your home policy for completeness; now’s an ideal time to do so. Don’t delay a careful review of your policies any longer. Give us a call today to schedule an appointment.
Call or stop by today!
Indianapolis, IN is home to the team at IAL Insurance, and we’re proud to serve the insurance needs of our friends and neighbors. Call or stop by today to have your homeowner’s policy reviewed or for any other type of insurance help you might need.
There are two main types of life insurance that you can get to protect your family after you’re gone. These types are whole life and term life insurance. Each one has its own pros and cons, and many people will find one more beneficial to them than the other type. When you need to choose a type of life insurance, we can help. To get started, call us now at IAL Insurance in Indianapolis, IN.
The Two Life Insurance Types
Term Life Insurance
This type comes with the benefit of being low-cost. It’s a much more affordable type of life insurance than whole life policies. However, there is an expiration date with this type of life insurance. It is set for a certain term, and after that, the coverage ends. This is generally a specific number of years. During the term, you have coverage. But after it, you have to apply for a new insurance policy to be covered again. This type also doesn’t build up any cash value as whole life does. However, many people who wouldn’t otherwise be able to get life insurance can get it because of the low cost of term life.
Whole Life Insurance
This insurance type comes with a cash value that will build up over the years. This is a cash amount that you can borrow if you need it. With this type, there is no expiration date. The policy stays good for as long as you’re paying for it. No matter what age you reach, the policy will still be in effect. The downside is that these policies can be expensive. However, many people like that these policies don’t expire, and they won’t have to get a new policy later.
Get Life Insurance
You need coverage, and we can help. Call us at IAL Insurance in Indianapolis, IN to get started.
Workers’ compensation insurance from IAL Insurance is an essential form of protection for any business here in the Indianapolis, IN area. It provides financial support to employees for medical bills and lost wages due to workplace injuries or illnesses, shielding both the employer and employee from costly litigation.
By providing this coverage, employers can protect their businesses from expensive lawsuits and foster a safe working environment for their employees.
Workers’ compensation insurance covers medical expenses related to work-related injuries or illnesses that occur on the job. This includes doctor visits, rehabilitation costs, prescription drugs, hospital stays, and more. It also compensates employees for lost wages due to time off work while recovering. Without this coverage, these financially burdensome expenses would fall solely upon the employer or employee in the event of an injury or illness.
Furthermore, workers’ compensation insurance shields employers from liability in case of employee injury or illness as long as they have been compliant with federal and state regulations regarding workers’ compensation insurance requirements. Without this coverage in place, employers could be liable for medical costs associated with an employee’s injury or illness as well as additional damages related to negligence claims from the injured employee’s family members or attorneys.
Workers’ compensation insurance serves as a critical form of protection for both employers and employees alike by safeguarding businesses against costly lawsuits while simultaneously providing financial relief in cases of workplace injuries or illnesses.
We Are Here To Help
For more information, give us at IAL Insurance a call today. We are proud to serve the Indianapolis, IN area and would be happy to help you find a policy that will protect both you and your employees.
No doubt driving for the first time is an exhilarating experience. Although it’s a memory you’ll never forget, there are also some responsibilities that need to get taken care of. One of those is making sure you have the right insurance policy. At IAL Insurance, we provide Indianapolis, IN drivers of all ages with a personalized plan that’s right for them.
Know What Kind Of Vehicle You Drive
Your vehicle’s type, make, and model can all affect the cost of your insurance policy. You may qualify for discounts if you drive a newer car with additional safety features and modern technology. Our insurance experts can help provide a quote depending on your vehicle type. It’s also good to familiarize yourself with new technology in modern cars to understand how it can help make your driving experience safer.
Understand Your Coverage Options
Indiana law requires you to carry liability insurance, but that doesn’t mean that’s a full protection plan. New drivers are considered a higher risk, so it’s important to understand your coverage options. We provide policies that include bodily injury liability, property damage liability, and uninsured motorist coverage. Our agents can help explain the details of each one and how they can help protect you financially in case of an accident.
Let Us Help
Even if you have someone else helping you navigate the insurance buying process, an experienced agent can help ensure you have the right policy. At IAL Insurance, our agents understand the needs of new drivers and can help customize a plan that fits your needs. We strive to offer competitive rates while still providing top-notch coverage. Ultimately, having insurance should give you peace of mind while driving in Indianapolis, IN. Contact us today!
Home insurance is something every homeowner should have, as your house is a significant investment. Whether you’ve owned your house for a year or had it for twenty, chances are at some point, you might have to file a claim. At IAL Insurance, we help Indianapolis, IN homeowners work through the process whenever they need assistance.
Below are some of the most common claims that people make:
Damage From Fires
Fires are more common than you might think, accounting for many home insurance claims. Common reasons fires occur include faulty wiring, unattended candles or fires, and barbecues. It’s important to ensure your home is up-to-date with fire safety regulations so that these incidents don’t occur.
Indiana has seen its fair share of storms with high winds and hail, damaging siding, roofing, and other property. Hail can cause much damage because it’s falling from the sky rapidly and with extreme force. It’s important to watch the weather and take precautions when needed to ensure your family and property are safe.
Theft & Burglary
Unfortunately, theft is a common occurrence in Indiana. Property owners should take steps to protect their homes and property from intruders by installing locks on all doors, windows, and any other high-traffic entry points to get those secured. Additionally, an alarm system is also recommended. Additionally, you should check that any items on your driveway that could be stolen from your vehicle get moved inside. One of the easiest things you can do is to lock your doors every time you leave the house, no matter how long you’ll be gone.
Contact IAL Insurance For An Estimate
We provide peace of mind for homeowners in the local area. We serve communities like Indianapolis, IN with the highest integrity. Contact us for an estimate on your home insurance policy. We’ll be more than happy to answer any questions you may have and provide a customized plan.