Indiana Farm Bureau Insurance agents strive to ensure their clients have proper coverage in place. Living in the communities where they work allows agents to become trusted advisers on insurance topics.
Even with access to that personal relationship, certain coverage needs could be overlooked or may change over time. The proper coverage can best be applied when discussions about new or changing life circumstances take place. As a company, Indiana Farm Bureau Insurance offers Client Account Review & Evaluations (C.A.R.E.) to help catch and address those changes, as well as make certain all applicable discounts are applied.
C.A.R.E. reviews are a beneficial tool, but learning more about special insurance circumstances is always good practice. Over time, Indiana Farm Bureau Insurance has identified a handful of circumstances where additional coverages provided at an additional cost may be needed, but clients may not be aware they need to explore the coverage options.
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For instance, if you have recently acquired valuable items such as jewelry, watches, sports memorabilia, precious metals or firearms, you need to check in with your agent to verify you have the coverage you need. A basic homeowners policy covers personal property up to a specified dollar limit and only for certain types of losses. These and similar items may require adding a scheduled personal property endorsement to increase coverage limits and provide additional protection. Upgrades to your car, such as new wheels, vehicle wraps, custom parts or a sound system, should also trigger a call to your agent to account for those updates.
If you have a side gig delivering items or picking up passengers, you likely need an endorsement added to your auto insurance policy. Indiana Farm Bureau Insurance personal auto insurance policies do not cover commercial use. And while some of the popular mobile apps may provide some coverage, it can be very limited or come with a high deductible.
Do you participate in home-sharing activities through platforms that allow you to rent out a room or your whole home? Indiana Farm Bureau Insurance offers a specialized endorsement for those unique exposures. If you’re involved in any of these side hustles, you need to connect with your agent. If you run a business out of your home, a traditional homeowners policy may not cover you properly. In that situation, contact your agent to learn more about a business owners policy.
This is not a comprehensive list. Additional coverages might also include water backup and sump overflow coverage, earthquake coverage, watercraft coverage, and more.
If your wheels are now turning, take some time to schedule a meeting with your Indiana Farm Bureau Insurance agent. Working together, you can move into the new year with the peace of mind that comes with knowing you have the proper coverage for your needs.
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