4 Tips for Preparing Your Vehicle for Harsh Indiana Winters

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.

Reasons to Have Renters Insurance

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

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.

Theft

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.

Do I Need Motorcycle Insurance?

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. 

Financial Responsibility

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. 

Liability Requirements

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!

Who Needs Umbrella Insurance?

You may wonder what umbrella insurance is. It’s definitely not going to protect your rain gear as its name sounds like. However, it does protect you and your family by giving you extra coverage. At Busick Insurance Agency LLC, serving Orleans, IN, and the surrounding area, we offer umbrella policies on insurance types like your home or auto. 

General Information About an Umbrella Policy

An umbrella policy is basically an amplification of a current policy. Let’s say, you have a maximum liability of $250,000 on your car insurance. If you should happen to get into an accident that costs you more than that, the umbrella policy takes over. The same applies to certain other types of insurance as well, which one of our agents will discuss with you when you inquire about an umbrella policy. 

Who Benefits From an Umbrella Policy in Orleans, IN 

Many people can benefit from an add-on policy. It gives them that extra bit of protection, so they don’t have to worry about unexpected expenses that they can’t afford. If an accident happened that exceeded your standard policy’s maximum, you’re responsible for the remaining balance. More than likely, you’re not going to want to spend that money. Additionally, if you don’t have it, you could experience a debt that’s going to linger for quite some time. 

One of the most important reasons to get an umbrella policy is to protect your assets, including your home, car, and anything else you own of value. Let’s say an accident happens, and you have a balance you’re responsible for. The court could try to seize your assets to pay for that portion of the debt. 

Contact Busick Insurance Agency LLC, serving Orleans, IN and the nearby region, for a quote for umbrella insurance today by calling 812-865-2626.

3 Reasons to Upgrade Your Health Insurance Policy

The world of health insurance can be an exceptionally complicated one to navigate. Between the deductibles, the out-of-pocket costs, and the co-pays, it can feel like a complete mystery as to which policy will work best for you. However, just because it will take some time to work through the options doesn’t mean it’s not worth the effort. Here are three reasons, courtesy of Busick Insurance Agency LLC, to reconsider. 

1. It’s Your Health 

If you’re afraid to see the doctor because you don’t know what your plan covers, you’re taking a big risk. The faster your doctor catches a serious condition, the more likely it is they can take effective action. It’s not fair to yourself to forego your health in favor of denial.  

2. Your Policy May Not Be Enough 

If you live in Orleans IN, you need a policy that will protect you regardless of what may happen. If your deductible is too high, you may find yourself unable to cover the costs of your medical bills. This is especially true if you have to miss work for any reason. 

3. You Should Know 

Not knowing is typically the worst part of insurance. Too many people believe that their claims will be approved, only to find that they didn’t understand their policy very well. Busick Insurance Agency LLC wants everyone to know the core details of their policy, so there are fewer surprises later on. 

It’s impossible for anyone in Orleans, IN to learn each clause of their health insurance policy. However, it is possible to make it a little less confusing. If you want to learn more about what it takes to get a better health insurance policy, call us today for more information. We’re here to get you on your way. 

3 Ways You Can Protect Your Family with Life Insurance

A life insurance policy from Busick Insurance Agency LLC in Orleans, IN, can protect your family in the event you should unexpectedly pass on. Life benefits can be used in multiple ways to provide for your spouse and children after you’re gone. By planning ahead, you can have peace of mind that your loved ones will be taken care of upon your demise. Here’s how life insurance protects those you love.

Financial Security

Life benefits can be used to pay off a mortgage, provide for your family’s daily needs, pay for your kids’ school needs, cover healthcare or dental costs, help pay for childcare and more. This gives your family financial security to carry on after your demise. Life benefits enable your loved ones to continue living the lifestyle they’re used to without worrying about the future. You can even designate that life benefits to be set aside to help pay for your children’s college education, future wedding or the birth of a grandchild to help them through these milestones in their lives.

Funeral Costs

Life benefits can be used to pay for your funeral costs, so your family doesn’t have to bear this burden on top of their loss. Funeral expenses today can be extremely expensive. Knowing these costs are taken care of will alleviate your family of this financial pressure.

Medical Costs/Debts

If you accrued medical bills due to health issues before passing, life benefits can help pay these off so your loved ones won’t be held responsible for these debts. Life benefits can also be used to pay off joint-loans such as a mortgage, car loans, furniture loans, private student loans, etc., so your family can start off with a clean slate upon your demise.

For more information about life insurance and the benefits, it has to offer, contact Busick Insurance Agency LLC in Orleans, IN.

3 Reasons Why Motor Home Insurance Is So Important

As soon as you buy a motor home in Orleans, IN, you have to look at insurance. While you might want to skip the added expense, there are a few reasons why you want to get a policy that you can rely on. At Busick Insurance Agency LLC, we’re here to explain the importance of a good motor home policy.

Protect Your Investment

You never know what to expect on the roads of Orleans, IN or anywhere else for that matter. If someone vandalizes your motor home while it’s at an RV park or it gets broken into when it’s parked in your driveway, you want to know that you can file a claim. Your homeowner’s insurance isn’t going to protect your motor home, so the only option is to get a policy that will.

Get Repairs after an Accident

If there’s an accident on the road, whether you run into a guard rail or hit another vehicle, you want to know that you can get your motor home fixed. Without insurance, it could cost tens of thousands of dollars in repairs. With a policy, you’d only be responsible for the deductible, which can be as low as $500.

Adhere to State Laws

It’s important to understand the laws in Indiana as they pertain to proof of financial responsibility. If your motor home has an engine of its own, as opposed to being the fifth wheel, for example, it is considered a motor vehicle. This means that you need to adhere to the state minimum for liability coverage. From there, you can add more coverage as a way to protect yourself against the other things that can happen on and off the road.

With the help of independent insurance agents at Busick Insurance Agency LLC, we can help you find the right policy for your motor home. Contact us today to let us review your information and get quotes from several insurance companies. 

Are You Required to Carry RV Insurance?

If you have recently purchased a new RV, you may find yourself wondering if you are required to carry RV insurance. At Busick Insurance Agency LLC, serving the Orleans, IN area, we want you to be educated and informed when it comes to any insurance-related questions you may have. Here is what you need to know about RV insurance. 

If you have financed or are leasing an RV, the financing or leasing company requires you to carry full coverage RV insurance. This is the same as when you buy a new car. The financing or leasing company wants to protect their interest in the RV and ensure that if the RV is in a totaled in an accident or is stolen, that insurance will pay them the value of the RV, so they are not out any money in case you decide to stop paying on the RV. 

If you have paid for the RV in full, RV insurance is still required by law in order to register and operate the RV. However, you are not required to carry full coverage on the RV. While you are not required to carry full coverage, there are still many benefits associated with carrying full coverage insurance on your RV, including being protected against theft, vandalism or underinsured or uninsured drivers. 

If you have purchased, or are going to be purchasing, an RV in the greater Orleans, IN area, Busick Insurance Agency LLC can help you insure the RV. Give us a call now and let’s sit down and discuss the different policies available and which one may be the best fit for your needs. 

Don’t forget to increase your home policy after your kitchen renovation

A kitchen renovation is an exciting improvement to any family’s home, and when you have invested in the kitchen of your dreams, it is essential to make sure that it is protected. Your current home insurance policy may not be sufficient to provide the necessary coverage of your home’s new value. If you have recently completed a kitchen renovation or similar update to your home, makes sure that your policy reflects the increased value of your home. Not sure if you have the coverage that you need for your Orleans, IN home? Contact the team at Busick Insurance Agency LLC today to schedule a comprehensive policy review. 

Your kitchen is not just the heart of your home

After a full-on kitchen remodel, your kitchen is probably the most expensive room in your house. Additionally, an improved kitchen adds a lot to the resale value of your home. While all of these are great features, your kitchen is also one of the likeliest places in your home for an accident or damage to occur. Make sure that your new appliances, countertops, cabinets, and flooring are covered by your home policy. As your home increases in value, whether you make improvements or not, it is always a good idea to review your policy levels with your local agent. We recommend that our clients have an annual review of their entire insurance portfolios for this reason. Don’t wait until it’s too late to find out that you do not have adequate coverage for your family home.

Don’t forget to increase your home insurance policy to reflect the value of the improvements made on your home. Call or stop by the Busick Insurance Agency LLC office today and make sure that your Orleans, IN area home is protected!

How Can Medicare Insurance Help You Cover Medical Expenses?

If you are at retirement age or will be soon, you may wonder what Medicare insurance is and how it can help you with future medical expenses. Medicare is a program designed to help retirement age people afford medical care and coverage through a government-funded program. To be eligible for Medicare insurance, you need to be at least 65 years of age. 

Medicare Insurance Coverage

Medicare insurance helps you gain peace of mind in the event you develop costly medical issues or even have to stay in the hospital for an illness, accident, or procedure. If you are considering signing up for Medicare insurance, you should work with an agent who is knowledgeable about what the insurance covers and any exclusion. There are also gap plans available to create a full blanket of coverage, so you don’t have to worry about financial losses as a result of medical related issues later in your life. 

Working With An Agent To Get Medicare Insurance

If you are a qualifying age and want to apply for Medicare insurance coverage, you should consult with a knowledgeable and experienced insurance agent who can inform you about the terms and conditions of this type of coverage and how it can work with your existing coverage to give you well-rounded protection. If you are living in or around the Orleans, IN area, check out Busick Insurance Agency LLC. They can give you all of the information and options you need to supplement or replace your current medical insurance. 

Health is a priority in the retirement years, which is why having Medicare insurance is so vital for most seniors. Consult with the expert insurance agents at Busick Insurance Agency LLC, serving the people of Orleans, IN, and find out how you can give yourself complete coverage. Call or stop by the office for more details.