When considering insurance you likely think of individual policies, such as home, auto, and life. However, umbrella insurance is different. It isn’t fixed to just one item you own or one aspect of your life. It, as the name suggests, opens up and covers a number of items under its "umbrella." But what exactly is umbrella insurance? Our staff here at Busick Insurance Agency LLC is here to answer that very question. So whether you live near Orleans, IN, or anywhere else, here is what you need to know about umbrella insurance.
What Is Umbrella Insurance?
Your home, auto, recreational vehicle, or other items you own likely have some sort of liability coverage attached to it. This is helpful but it may not fully protect you and all the financial burdens that can come with legal action taken against you. Instead of taking on added liability coverage for everyone you own, why not instead take out a blanket coverage that covers everything? With umbrella insurance that is exactly what you do. This is an excellent idea if you have valuable vehicles or properties and you want to protect yourself from lawsuits, or if you have student drivers and want to invest in the protection, just in case an incident comes up that requires legal help. Umbrella insurance can help with all of this.
Consider Umbrella Insurance
If you are interested in additional liability protection across the board, umbrella insurance very much is the kind of coverage you need to consider. It doesn’t just focus on one aspect of your life but all aspects of your life. If this sounds like the kind of protection you need, now is the time to contact our staff at Busick Insurance Agency LLC. When you call greater Orleans, IN home, our staff is here to service you.
The amount of health insurance you have is a somewhat personal choice for everyone. Much like other forms of insurance, you choose the amount of coverage you want. If you don’t foresee yourself going to the doctor very often (if ever), then you may feel comfortable going for the bare minimum. But are you prepared if something changes along the way? Busick Insurance Agency LLC wants to help you answer this question, so you’re confident about the future.
Anticipating the Worst
No matter how healthy someone is, there’s always the chance that something could happen. From accidents to chronic illnesses, not everyone gets the warnings they need to plan ahead. If you have a low-level plan in Orleans IN, you may not be able to handle a high deductible should you need to take advantage of the healthcare system. Unfortunately, the fees for many services can be more than people think, which can ultimately leave you in a more precarious situation than you’d like.
If you know you need additional coverage, say for an upcoming pregnancy or planned procedure, make sure you’re selecting an accommodating plan that will make sense for the long-term. Some plans may be more in terms of premium, but they’re actually the best plan if you need certain kinds of services.
If you have questions about how health insurance can make you safer, Busick Insurance Agency LLC can be of service. Our agency was created to help people really understand the plans they’re signing up for. When a policy can read like a jargon-filled novel, you’re better off talking to someone who knows. Let us take the reins so you can make decisions that will support your health for years to come.
At Busick Insurance Agency LLC in Orleans, IN, we take life insurance very seriously. We have seen many people who could no longer live a good life because their spouse/dad/mom died. Also, we have seen people drop out of school because the person responsible for their school fees died.
The most heartbreaking one is getting homes and cars repossessed by financing organizations because the loans can no longer be paid. This is why we are advising all our clients to make adequate provision for your family in case the unexpected happens. Your demise won’t mark the beginning of hardship for them.
The best way to do this is through life insurance. Here are a few things we want you to consider.
1. Make provision for your funeral
Even if you want a low-profile funeral, it will still cost some money to pull it off. It cost a few hundred dollars to buy a casket. You don’t want your spouse to borrow to give you a befitting burial. So, you should make a provision for your burial now.
When you purchase your life insurance from us, we will fund the funeral according to your instructions and your family won’t have to spend a dime.
2. Your kids’ school fees
You should also ensure that your kids won’t need to drop out of school or take a loan to complete their studies when you pass on. We will help you work that into your life insurance policy.
3. Are you paying any debt?
In case you are still paying for a car or your home, or any other property. Let us know the details. We will complete the loan and ensure that they are not repossessed from your family.
4. Daily expenses
We’ll also like you to make provisions for the daily expenses of your family.
When you can take care of the four items listed above, you can rest assured that your demise won’t change the trajectory of the lives of your beloved ones. For more information on our life insurance products, you can hit us up at Busick Insurance Agency LLC in Orleans, IN.
Busick Insurance Agency LLC is here to help business owners in the greater Orleans, IN area get the comprehensive commercial insurance they need. There are many advantages to having a comprehensive commercial policy, and we will review a few of them in this post. If you have any questions or would like to know if comprehensive insurance makes sense for your business, get in touch with us today!
Benefits of Comprehensive Commercial Insurance for Indiana Businesses
One of the greatest benefits of a comprehensive insurance policy is that you can tailor it to your firm’s needs. When you work with a specialized commercial insurance agent, you can rest assured that you will get the information you need to make an informed decision.
- Robust coverage limits — primary policies often have low policy limits that can leave you responsible in the event of a major, covered event.
- Specialized coverage that meets your needs — some businesses require extra coverage for their custom equipment, others need a policy that takes care of their multi-vehicle commercial fleet. No matter your needs, there is likely a policy available to meet them.
- Peace of mind – when you have the coverage that you know that your business needs, you can rest easy and focus on your business.
No one wants to find out that they don’t have the right insurance after a catastrophe happens. Make sure that you have the coverage you need before you need it!
Is it time for your business to upgrade to comprehensive commercial insurance? The team here at Busick Insurance Agency LLC is here to meet the needs of business owners in the greater Orleans, IN area. Call or stop by today to schedule a consultation with one of our knowledgeable agents.
When it comes to financing a vehicle, there are specific requirements that need to be met to get the funding necessary for a purchase. One of those requirements is full coverage auto insurance. Most require a certain amount of full coverage rather than allowing the buyer to select a coverage amount, and this also includes carrying comprehensive insurance.
What is Comprehensive Insurance?
Comprehensive insurance protects the vehicle against a variety of risks, whether it is parked or cruising down the highway. This type of insurance covers animal damage, hail, theft, and many other scenarios. This type of coverage is available in a variety of amounts. It usually has a deductible that the owner of the vehicle must meet before the insurance coverage pays the claim. Those who are considering financing a vehicle should consult a licensed insurance agent to obtain the correct insurance amount so they can complete the sale of the vehicle.
Working With an Auto Insurance Agent
Before buying a vehicle, consult with an auto insurance agent to get a quote and compare it with other providers. Don’t be afraid to ask questions and find out what the fine print for each policy entails. Not all auto insurance policies are the same, so make sure the one selected provides adequate coverage with an acceptable deductible to avoid complications if there is a covered incident. Those who live near Paoli or Orleans, IN can count on Busick Insurance Agency LLC to provide the quality insurance products necessary to get peace of mind
Don’t guess when it comes to auto insurance policies. Get assistance from a knowledgeable insurance agency with licensed agents who can guide customers through the policy buying process and assist with claims. Call or stop by Busick Insurance Agency LLC, proudly serving Paoli and Orleans, IN.
Video doorbells are one of the best ways to deter thieves from trying to gain access to your home. Most are easy to install and can be up and running in as little as 30 minutes. In Orleans, IN, the agents at Busick Insurance Agency can show you many different tips, tricks, and devices to keep your home safe and give you peace of mind.
Video doorbells are equipped with two-way communication software that allows you to not only see, but speak to whoever is standing at your door. If someone tries to sneak up to your door, you can easily start a conversation with the person without anyone touching the door or the doorbell.
Video doorbells are also able to connect to your home’s WiFi. This allows you to access the doorbell from an app that is downloaded to your phone. You can turn on the video camera any time you like and, if an alert is triggered, you can immediately turn on the camera and speak to the visitor.
Works With Most Home Security Systems
Most video doorbells are easily compatible with either professional or DIY home security systems. They can connect with other smart devices so that your entire home security system can be managed with one convenient app. You can choose whether to control the doorbell separately or as part of the entire system.
The agents of Busick Insurance Agency are dedicated to helping the residents of Orleans, IN keep their home and family safe. If you are interested in learning more, call and talk to an agent today! Keeping your home secure is a top priority and our agents are always willing to help!
Medicare is a popular topic today, but not everyone knows who it’s for and how it can help. This government-funded health insurance has helped countless people get quality care and services from doctors they trust. Still, there are some restrictions that Busick Insurance Agency LLC wants everyone to know. If you’re interested in signing up, here are a few facts you need to know before doing it.
Not Everyone Is Eligible
Medicare was explicitly designed for Americans aged 65 and up, although it’s worth noting that people younger can potentially sign up for it too. Those with specific disabilities (including kidney failure) may be approved for Medicare. If you live in Paoli or Orleans, IN, you may want to talk to an expert to learn more about your eligibility.
How It Works
Medicare has more than one plan available, and each one comes with its own set of pros and cons. The general rule of thumb is that Part A covers inpatient care, while Part B covers outpatient care. So if you need to stay in the hospital for several days, Part A may cover those costs. There are also Part C and Part D plans that offer different perks to members, including prescription drug coverage and wellness programs.
Do I Need It?
Medicare insurance may be the only thing that stands between you and the medical bills that you can’t pay. For those who live in Paoli or Orleans IN, it can be a great way to get peace of mind for an uncertain future. If you have questions about whether you’re eligible or which plan is right for you, give Busick Insurance Agency LLC a call today. We can take you through each option step-by-step so that you can make a smarter decision.
If you live in the Paoli or Orleans, IN area, you’re surely in for a brutal winter. There are some things you can do to prepare, such as switching some things out on your vehicle and getting maintenance on it. Also, you can talk to experts at Busick Insurance Agency LLC about auto insurance options that are ideal for this harsh time of year.
Check the Oil
Make sure you’re using the right type of oil for cold weather. This is because the cold will affect oil viscosity. Then, your vehicle may not function properly.
Check on Belts and More
Take a look over the belts, hoses, and battery in your car. Low temperatures can affect all of them. You might need to replace your old battery, especially if it’s more than three years old. You should also make sure that you have working windshield wipers and that you have enough windshield wiper fluid to avoid visibility issues.
Headlights and Brake Lights Are a Must
Speaking of visibility, it’s crucial that other drives can see your automobile. Since the winter is full of gray days and heavy snow, you should have brake lights and headlights that are in top condition. Check them often to be sure that there is no snow on them.
Tires Are Important Too
Check the tire pressure on your car’s tires often as well as that they have enough tread. If you’re hesitant to do this yourself, bring your vehicle to an auto shop. You should have chains in your vehicle at all times.
Even when you do all this and other protective measures for your vehicle, accidents and other issues can happen. If you’re in Paoli or Orleans, IN and want to learn about your auto insurance options, contact Busick Insurance Agency LLC right away.
One of the requirements of owning a home under a mortgage is home insurance, but did you know that as a renter, you should also have insurance? In many situations, when renting a home or apartment, insurance is not a requirement. However, it is inexpensive, and it is a financial tool to help protect you and your belongings. Here are just a few reasons why renters in Orleans, IN should talk with Busick Insurance Agency LLC about obtaining renters insurance.
Liability coverage protects you against the legal responsibilities of paying for damages should someone get injured while visiting you in your home or apartment. For instance, if you have a guest that slips and falls in your home and needs medical treatment, your renter’s insurance will protect you against the liability of covering the cost for their treatment. Renters insurance will also protect you up to the limit of your liability should the person choose to sue you in court.
Coverage When Unable to Stay in Your Home
Should there be a natural disaster or other force that makes your home unlivable during repairs, your renter’s insurance will cover the cost of the expenses you incur while staying somewhere else during the renovations. The amount of coverage varies from policy to policy. So, it’s important to talk with your provider about your specified requirements and the amount of coverage.
Should someone break into your home and steal your belongings, without insurance, you are responsible for the cost of replacement. However, with renters insurance, the cost of replacing your personal belongings will be covered. Your insurance provider will request a list of all valuables in your home, so be sure to keep a copy of this in a safe place, so you will know if damaged or stolen items are covered in your policy.
Although your landlord is responsible for the repairs of any structural damage, such as damages caused by the weather, they are not responsible for the cost of damages to your personal belongings. Renters insurance is an inexpensive way to ensure you will not be out hundreds of dollars to replace damaged or stolen items should a disaster occur or damages caused by intruders.
Residents of Paoli or Orleans, IN that are interested in the purchase of renters insurance should contact Busick Insurance Agency LLC.
If you drive a motorcycle in Paoli or Orleans, IN or plan on purchasing a motorcycle, you also need to take out an insurance policy on that motorcycle. The insurance policy protects you in case you are involved in an accident while driving your motorcycle. Under Indiana law, the minimum requirement is to carry both underinsured and uninsured motorist coverage. This helps cover any injuries you sustain that the other driver is not able to pay for due to insufficient insurance coverage. A state-licensed insurance company like Busick Insurance Agency LLC can meet with you to discuss additional coverage options beyond liability.
Anyone who drives a motorcycle in Indiana must establish that they have established responsibility in the event of sustained injuries or damages. If for some reason you are having difficulties finding an insurance company that will issue you a traditional policy, the state has established the Indiana Auto Insurance Plan. You will need to talk to a state-licensed insurance company to find out more details or to apply. Other ways to establish financial responsibility include making a deposit with the state treasurer, establishing evidence of a trust fund, or taking out a bond that is issued by a surety company.
Indiana requires certain minimum liability coverage. This includes bodily injury for a single individual involved in one accident, bodily injury coverage for additional persons involved in one accident, and property damage. Although a policy that covers the minimum requirements will be sufficient, you may want to take out a higher amount of coverage for your unique needs. Before you can register and obtain a title for your motorcycle, you must provide proof of coverage that meets the minimum requirements.
Contact Busick Insurance Agency LLC in Orleans, IN for a quote today!