Thank you for visiting our Internet site. As a customer service based business, we want to give you the opportunity to stay in touch with our company and our offers. A new content management system will enable us to always keep you up to date.
At present, our web site is undergoing an overhaul.
To report a claim, please refer to your policy for 24 hour reporting instructions. You may also go to the website of your insurance company for help to report a claim.
Our Office is located at 762 S Calumet Rd, Chesterton, IN 46304 Our Hours are: Monday - Friday 8:30am to 5:00pm Evenings and weekends by appointment
If you are not familiar with our company and your first contact with us is online: We would be pleased to hear from you! Please let us know what your needs and questions are, we will be more than happy to help.
In brief, you should know the following about us: our company was established in 1980 and had been responsible for providing outstanding insurance service, ever since.
FYI -
On "The Early Show" Wednesday, personal finance expert Carmen Wong Ulrich, author of "The Real Cost of Living," shared tips on buying quake insurance: who should have it, what it should cover, and how much to buy.
Earthquake insurance
A case can be made that nearly everyone should have it. There have been earthquakes in 39 states in our country, and though the majority of major and expensive quakes have happened on the West Coast, especially California, they can happen almost anywhere, as we saw Tuesday.
The Insurance Information Institute says one reason more Americans are vulnerable to earthquake damage than ever before is that 90 percent of our population lives in seismically active areas, many of them cities and city suburbs.
Your regular homeowners policy, or renters or business owners policy, DOES NOT cover structural damage from an earthquake or damage to personal items from a quake and/or relocation costs -- you need what's called an earthquake endorsement, or separate policy. But your homeowners/renters policy may cover fire and flooding due to cracked/leaking pipes. Scour your policy to see what's covered and what's not.
Cars with comprehensive insurance coverage are covered for damage from an earthquake.
The cost depends on the age and makeup of a home (wood frame, stone, etc.), as well as its location (for instance, coverage in Maryland would run you less than in California), the carrier, and your deductible.
Deductibles can range anywhere from 2 percent to 20 percent of the replacement value of the structure. So if you're looking at a $200,000 replacement value for your home, your deductible could run from $4,000 to $40,000. The premium for a h$150,000 home in northwest Indiana with a 5% deductible would cost less than $100 per year.
