Welcome to the Insurance Center Group's Blog

Should You Update Homeowners Insurance Coverage as Prices of Lumber and Steel Skyrocket?

By Dawn Allcot

In the past year, the price of lumber has increased by 377%, according to an infographic from Visual Capitalist. It hit a record high of $1,635 per 1,000 board feet, when lumber has historically ranged from $200 to 400 per board foot, the website says. Will my homeowner's insurance policy cover the increased cost of a rebuild?

Read the full article here...

We may think we know what factors are used to calculate our auto insurance. Do we have a history of speeding or accidents? Our age and where we live is a pretty large factor. Young, inexperienced drivers are more likely to be involved in an accident. The age and type of vehicle you drive is a huge factor. Is it a two-door sports car or a minivan? Does it have all the newest safety features? Most of these seem fairly obvious, but did you know your job can affect your insurance premium? What about your credit score? Did you know your previous insurance carrier can affect the rates of your new insurance carrier?

Read the full article here...

Southern Indiana weather is the best. We've had sub-zero temperatures, heavy snowfall then 60 degree weather followed by nearly 6 inches of rain with flooding and just for good measure we threw in a tornado warning. That sounds like a pretty good year of weather, but that was just the last two weeks!

The amount of snow and rain lately has caused a lot of flooding. Water is a very destructive force and causes a lot of damage. This always brings up the question about what your auto and home insurance actually covers.

Read the full article here...

Many think they carry “full coverage" on their car insurance policy; however, in reality there is no such thing as full coverage auto insurance.

When people talk about "full coverage" car insurance, they're often referring to a combination of coverages that help protect you. A “full coverage” policy is typically one that includes several types of car insurance coverages that, as a whole, provide a solid level of protection in case of an accident.

Read the full article here...

A power outage -- whether triggered by lightning, a storm rolling or some other cause -- can suddenly make homeowners realize how vital electricity is. The outage can not only leave homeowners in the dark, but can damage computer equipment, TVs and other electronic equipment.

Read the full article here...

Many people aren't familiar with their state laws that govern TPing a house. I have spent the majority of my life compiling an extensive list of each law in each state and the way to avoid prosecution. Did you know in Utah, if you use biodegradable TP, it's not technically littering?

Read the full article here...

In what doctors are calling a true medical miracle, local construction worker Kal Mathyssen awoke from a week-long coma early Wednesday with the ability to fully comprehend his health insurance plan, sources at Parker Adventist Hospital confirmed.

Read the full article here...

National Cyber Security Awareness Month is an annual designation observed in October.

Serious threats to personal data are at an all time high. Everyone, including individuals and businesses of all sizes, needs to remain diligent in their protecting themselves from hackers and privacy breaches. Scammers of all sorts bombard us through pop-ups, viruses, e-mails, phone calls and even the businesses we visit every day. Take steps to protect yourself. Read the full article here...