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319 E. Main St.
Brownsburg, IN 46112

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Featured Insurance Blog

Is employer-provided life insurance enough?

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The team at the Grove Insurance Agency is proud to serve the greater Brownsburg, IN community. If you have questions about life insurance, and how to best meet your needs, we are here to help. Our team is here to provide the information and guidance you need to make an informed decision about protecting your family’s future.

Why having additional life insurance than your employer-sponsored policy is a smart idea

Many people ask if their employer-provided life insurance policy provides all of the protection that they need. For many young families, having a personal policy, no matter what other policies may be in play is an easy answer. But what about for people with older or grown children or who don’t have children?

The answer in those situations is a bit more complex. If you have insurance through your employer that you can take with you even if you leave the job, you may feel that this is adequate protection for your needs.

The main area of concern when relying on an employer-provided life policy is that you don’t have control over any changes. What if your company ceases operations? How about decisions that they make that affect your coverage or premium levels? Having a basic amount of life insurance coverage in a personal policy is usually the way to go.

We are here to help you with all of your insurance needs

Brownsburg, IN area residents can rely on the folks at Grove Insurance Agency for all of their insurance needs. When it comes to making decisions about life insurance, it’s important to have all of the relevant information that you need. Our team is here to help you make an informed decision. Give us a call or stop by our office to find out more!

How Do I Take Care of My Classic Car?

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Over the years, your classic car has seen many miles on the road. It has been in rough weather, and it has been in clean weather. It has been in the rain and the sun. It has been on the highway and in the parking lot.

Keeping a classic car well maintained is a challenge. But, it is essential to do so to keep the car in good condition. You can do a lot to keep your vehicle in top shape.

At Grove Insurance Agency, we’re huge fans of classic cars, and we love helping Brownsburg, IN keep theirs protected for years to come.

Here are some of our best tips:

Practice safe storage. Even the best-maintained classic cars need to be stored safely when not being used. Some people keep their classic cars in a basement or garage. If you don’t have a garage or a space inside for your car, you’ll need to find a cool and dry place.

Inspect your tires every month. It’s easy to forget about your tires significantly if you don’t drive your classic car often. You don’t want to find yourself in a horrible situation. Rotate your tires every 5,000 miles and never have them longer than 40,000 miles. (That goes for the spare too!)

Do regular check-ups too. Your oil and cooling systems are a significant priority, so check those fluids diligently. You’ll also want to check your battery, especially if your classic sits for long periods. Take it out for a spin to maintain the charge and check for any signs of a problem under the hood.

Keep the interior conditioned. It’s easy to neglect the interior of your classic car when you’re focused on keeping the outside looking and running well. Sun damage is always a danger, so try to minimize it with a car cover or window shades. You’ll also want to check out dashboard treatments.

Contact Us Today

If you live in Brownsburg, IN and need insurance to protect your classic car, please stop by Grove Insurance Agency today!

Don’t forget about renter’s insurance when moving into your first apartment

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Grove Insurance Agency is here to help newly independent people with all of their renter’s insurance needs. If you are getting ready to move into a rental in the Brownsburg, IN area, give us a call today. We are here to help!

Why renter’s insurance is so important

Renting the first apartment is a very exciting milestone to reach. It is also an event that comes with some responsibility. It’s not easy to get settled into a new home, but knowing that you have the protection you need can make the process a bit less stressful. If you are setting up your first household as a renter, there are a number of different reasons why renter’s insurance is a must-have:

  • Setting up a home takes a lot of time, energy, and money. Imagine how devastating it would be to have everything in place only to have it destroyed, stolen, or damaged!
  • The right renter’s policy can protect some items, even when they are damaged, lost, or stolen outside of the policyholder’s home.
  • The landlord’s insurance will likely only cover the building structure and any common areas, not the tenant’s living space or personal belongings. 

Don’t forget to add renter’s insurance to your to-do list when getting ready to move into your first apartment. If any loss occurs due to a covered event, you will be glad to have this important insurance in place! 

You can rely on us for all of your insurance needs

Renters in the greater Brownsburg, IN area turn to Grove Insurance Agency for help with their insurance needs. If you have questions about renter’s insurance and which policy is right for you, we are here to help. Give us a call or stop by today!

Protect Yourself With Motorcycle Insurance in Brownsburg, IN

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If you’ve ever been in an accident on your motorcycle, you know how important it is to have good insurance coverage. Motorcycle insurance can help pay for repairs to your bike, medical bills, and even provide income replacement if you’re unable to work after an accident.

Is Motorcycle Insurance Required in Brownsburg, IN?

Yes. Indiana law requires all motorcycle operators and passengers to have liability insurance. The minimum coverage is $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. Grove Insurance Agency representative can help you find the right amount of coverage for your needs.

What Types of Coverage Are Available?

Various coverages are available for motorcycles, including liability, comprehensive, collision, uninsured/underinsured motorist, and medical payments.

Liability insurance pays for injuries or damage you cause to others if you are at fault in an accident. Comprehensive insurance covers damages to your bike that are not caused by a collision, such as theft, fire, or vandalism. Collision coverage pays for repairs to your bike if you hit another vehicle or object.

Uninsured/underinsured motorist coverage pays for injuries and damages if the other driver is at fault and does not have insurance or if their insurance does not cover all the costs. Last, medical payments coverage pays for medical expenses incurred by an accident, even if you are not at fault.

What Should I Consider When Purchasing Motorcycle Insurance?

First, what is the value of your bike? You will want to have collision and comprehensive coverage if it is worth a lot. Second, how much liability coverage do you need? $25,000 may not be enough if you have a severe accident. Motorcycle insurance is a must if you want to be protected in the event of an accident.

It may seem daunting, but our team at Grove Insurance Agency is here to help you find the right coverage for your needs. Call us today!

Is RV insurance in Indiana a good investment?

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If you are in the Brownsburg, IN area, you can find there are a lot of great recreational activities that you can enjoy in the region. When you want to experience the area as much as you can, investing in an RV is a great way to start. If you want to purchase an RV when you are here, you need to make sure that you choose the right insurance plan for it. An RV insurance plan is a good investment for various reasons. 

Coverage Will Protect Your Assets

A reason that anyone in this part of Indiana will want to have an RV insurance plan is so they can protect their assets. Once you purchase an RV, you will want to know that you can use it for a long time. With the right insurance, you can have the support that will ensure you are covered in various situations that could arise including if the RV is stolen or damaged.

Coverage Will Offset Liability Risks

With the right insurance, you also can mitigate your liability risk. Anyone that owns an RV will take on liability risk with each use. However, if you have RV insurance in place, it will give you support that will provide financial protection if you are found liable for damages incurred by another party. 

If you choose to purchase an RV in Brownsburg, IN, you can have a lot of great experiences and memories with it. As you are looking to purchase an RV, you should also start your search for insurance by calling Grove Insurance Agency. There continues to be a lot of important choices to make when you are looking for coverage and Grove Insurance Agency can give any guidance that you need to build and select the ideal RV insurance plan for your situation. 

Where Besides On the Water Does My Boat Insurance Cover Me?

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Where Besides On the Water Does My Boat Insurance Cover Me?

Your Grove Insurance Agency boat policy doesn’t just cover your boat when you navigate the waters near Brownsburg, IN. Your boat insurance covers your boat in every situation that could cause liability or incur property damage.

Your boat insurance covers your watercraft when it travels on your trailer to move it from your home or drydock to the water. If you become involved in an auto accident that damages your boat, your boat insurance c3overs the repairs to it or its replacement. If you cause an accident, your boat insurance works with your auto insurance to cover the damages and liability to the other vehicles.

A boat insurance policy also covers the watercraft while it sits in drydock or its mooring. That means if a named peril occurs, such as a thunderstorm with hail or a tornado, the damage to your boat gets covered or its replacement cost covered.

Theft also falls under the coverage provided by your boat policy. If your watercraft gets stolen, your boat policy pays for its replacement.

The insurance policy also provides for the act of vandalism. If someone causes damage to your boat, the insurance covers restoring it.

Boat insurance covers so many situations because, unlike auto insurance, you typically obtain a full coverage policy. That means you automatically buy a policy that covers liability, property damage, collision, and comprehensive coverage.

If you just purchased your boat, contact Grove Insurance Agency serving Brownsburg, IN, to obtain insurance for it. You should cover your boat before your pick it up or take delivery of it, so it has coverage in transit and once it reaches your home or docking point.

Does Your Small Business Need Umbrella Insurance? Three Factors To Consider

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As a small business owner, you work hard to protect all that you’ve built, and you watch your finances carefully to ensure that you’re spending every penny wisely. It can be tough to decide whether umbrella insurance is a smart investment for your business. Here, we’ll take a look at what you need to consider when deciding whether umbrella insurance is the right choice for you. 

Are You Likely To Be Sued?

Umbrella insurance covers your business in the event that you’re forced to pay out an amount greater than the value of your business. If you’re a healthcare practitioner, the likelihood of being sued may be greater than if you’re a home baker. Talking with an insurance agent can help you determine the liabilities involved in your line of work. 

Are Your Current Insurance Policies Enough?

If your current insurance policies provide enough coverage for your business, it’s possible that you may be able to forgo purchasing an umbrella insurance policy. As your business grows, however, it will become more likely that you’ll outgrow your current insurance policies. 

It can be a smart idea to work closely with an insurance agent who understands the growth of your business and can help you choose insurance products that make sense as your business evolves. The greater your business growth, the more likely it is that you’ll need an additional insurance product (such as umbrella insurance) to keep you and your business protected.

Ready For Umbrella Insurance? Reach Out To Grove Insurance Agency Serving Brownsburg, IN

If it’s time to protect your business with umbrella insurance, reach out to Grove Insurance Agency, Serving Brownsburg, IN today. 

When You Need RV Insurance

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If you own an RV and are an Indiana driver, it is a requirement for you to get a specific type of RV Insurance, such as bodily harm coverage and liability damage coverage. 

While basic insurance is great and all, you might want to consider getting additional coverage to make sure you are insured for different situations. Below we outline some additional types of coverage you could get on your RV and when you will need it. 

Grove Insurance Agency in Brownsburg, IN proudly offers RV Insurance to residents in the state of Indiana. For more information on when you need RV insurance, keep reading below. 

Additional cover needs

So, what additional cover could you need and when? Some examples you can find below:

  • Umbrella insurance, which you could need if you are in an accident with someone and they try to sue you for liability. If you think this is a situation that could happen to you, you might do well to purchase umbrella insurance because lawsuits can easily leave you out of pocket. Umbrella insurance can also help if you run into extra costs not covered by the basic insurance you purchased for your RV. 
  • Collision coverage, which you could also need in the case of an accident, although in this case, this would cover you. If you are involved in an accident and your RV needs repairs that cost a lot, collision coverage can cover parts of all of these costs. 

If you feel ready to discuss RV insurance, please call Grove Insurance Agency in Brownsburg, IN as soon as you can. 

Finding Recreational Insurance That Meets Your Needs

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Recreational insurance provides a high level of protection that can keep you protected from a variety of issues. But, if you’re not sure which type you want, we at Grove Financial & Associates Inc can help Mechanicsburg, PA residents learn more about their options.

Know What Kind of Vehicle You Want to Cover 

Your recreational policy will vary based on the type of vehicle you’re trying to cover. Many may fall under the recreational heading and include options like:

  • Boats – Whether you have a fishing boat or a yacht, you may want coverage. 
  • Motorcycles – Protect your bike and yourself with high-quality coverage.
  • ATV – Golf carts and other ATVs need coverage to avoid severe damage. 
  • RV – If you have a motorhome or other recreational vehicle, you need protection. 

Talk to your insurance provider about bundling these options or taking other steps to minimize your investment costs. Doing so is a wise choice when picking your policy level.

Pick Your Coverage Level 

When choosing recreational insurance, it is essential to know what level of protection you want. Do you need just basic liability protection, or do you want a policy more involved? For example, collision, property damage, and comprehensive policies all help to minimize your potential loss. 

Just as importantly, you can find full-timer options if you’re covering a motorhome or another RV where you live. This type of protection treats an RV like a house and provides similar levels of protection, including specialized liability and much more.

Find a Company You Can Trust

Get the coverage protection that you need for your recreation by contacting us at Grove Financial & Associates Inc right away. Our team will work with you to provide Mechanicsburg, PA coverage that makes sense for you. So give us a chance, and we’ll do what we can for your needs.

Winter Rider? 5 Tips to Enjoy Your Motorcycle Year-Round

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Considering becoming a ‘Rounder’ – someone who enjoys riding their motorcycle year-round? Here are five tips to make winter-time riding safer, more comfortable, and more enjoyable. 

1. Don’t dismiss comfort; it’s vital in rougher weather. 
Understand what winter looks like where you plan to ride. In Brownsburg, IN, expect snowfall and rainstorms, with winter chill dipping to the low 20s. Below freezing? Expect icy conditions, and prepare accordingly. Some gear to consider: 

  • Hands are vital. Protect them with suitable insulated, waterproof gloves that fit comfortably and leave room in the fingertips. Consider adding heated grips. 
  • Visibility is key. Wear bright colors and use a helmet breath deflector to prevent mist or condensation from interfering with visibility. 
  • Layer up. Make sure your jacket, pants, and boots are insulated, waterproof, and comfortable. Wear thick socks and give your winter boots more room than your summer pair. Keep air out by wrapping up your neck. 

2. Don’t Neglect Maintenance
In addition to topping off anti-freeze, ensuring your chain tension is good, oil levels are proper, and tires have adequate pressure, consider upgrading your tires for better winter grip. They are the two contact points for you on the road; don’t skimp on winter tires.

3. Brush Up On Winter Driving Skills
Before picking up a daily commute, get used to driving on colder roads. Get comfortable using your emergency brake, increase your distance following, and assume other drivers do not see you. 

4. Know When Not to Ride
Whether a novice or an old pro, understand your capacity on the roads. If a storm is pounding the roadway and there’s standing water, consider delaying your trip or driving a car. Likewise, black ice can be concealed beneath the snowpack. Don’t risk your life on a roadway you can’t safely navigate. 

5. Ensure Your Insurance is Adequate 
Before winter hits, reach out to Grove Insurance Agency today to discuss your motorcycle insurance coverage. While state law requires liability protections, winter riders should also consider adding comprehensive and collision coverage to cover their interests while on the road.