Most Indiana residents need multiple types of insurance to protect their personal financial interests. Sometimes personal lines of insurance are even required, usually either by law or per the terms of a loan or business agreement. At Binford Insurance, we offer a wide range of personal insurance lines that are designed to protect against the devastating financial consequences of things like natural disasters, fire, theft, lawsuits, illness, and death. It may not be possible to cover every possible risk, but they can significantly reduce the potential for individual loss and liability.
Indiana drivers must purchase auto insurance that meets state liability coverage requirements. We can help you find coverage that is not only compliant with state law and vehicle lender requirements, but also in pace with your actual coverage needs. This may include protection against physical damages to your vehicle, injuries to you and your passengers, liability for third-party injuries and property damages, and much more. In some cases, coverage discounts may be available to drivers who insure multiple vehicles on the same policy, purchase additional lines of coverage, take a driver safety course, or meet other forms of criteria.
Ride with confidence knowing you and your bike are protected with motorcycle insurance from Binford Insurance. We offer coverage that protects a wide range of motorcycles, from sport bikes and cruisers to Choppers, trikes, and scooters. Your policy can include coverage for your motorcycle and its upgraded features, as well as for injuries to you and your passengers. We can also offer liability that not only meets state requirements, but also reduces your risk of loss if you are sued for an at-fault accident.
Protect your house and the things you own against the risk of loss or damage due to fire, break-in, inclement weather, and other covered events. We offer coverage that reduces your financial risk exposures and also yields to the insurance requirements of your mortgage lender. Indiana home insurance polices come with multiple coverage types, including protection for your home’s structure and your personal belongings, coverage for guest injuries, protection against liability, and compensation of excess living expenses when you are displaced from home due to a covered event. Talk to your independent agent about home insurance discounts that may be available if you combine home and auto insurance, install a monitored home alarm system, purchase a new roof, or meet other eligibility requirements.
Renters need insurance for the things they own, as well as their personal liability risks. We offer policies that facilitate landlord insurance requirements and also meet your coverage needs. Whether criminals swipe everything from your apartment, a fire leaves you in need of temporary shelter, or you are sued for injuries after your dog bites your neighbor, work with an independent insurance agent to assure your policy covers a wide range of risks.
At Binford Insurance, we know that condo owners have unique insurance needs. We can help you better understand the coverage already available to you from your condo association’s master policy and provide personal coverage options that seamlessly extend to the inside of your condo, the things you own, and your liability risks. We can also help you find a policy that safeguards your assets against loss assessments.
Many Indiana communities participate in the National Flood Insurance Program (NFIP). Since floods are not typically covered by private insurance or homeowners insurance policies, we can help you obtain NFIP coverage for your home’s structure and your personal belongings. Supplemental coverage may also be available to homeowners or renters who need additional protection beyond that which is available from the NFIP.
ATV, Boat & RV
If you own a vehicle that you use for recreational purposes, we can probably help you cover it. These types of vehicles can facilitate adventure and fun, but they can also present elevated risks. Not to mention, they can be costly to repair or replace after an accident. Talk to an agent about ATV, boat, RV, camper, and other recreation insurance policies that cover injuries to you and your passengers, protect your vehicles and special equipment against damage, and safeguard your income and assets against liability.
One major lawsuit can cause total financial devastation, wiping out many years of savings and siphoning money from future income. Umbrella insurance is high-limit supplemental liability coverage that extends the limits on your primary coverage. If legal fees, judgments, and settlements exhaust the limits of your auto, home, or boat insurance, umbrella insurance can pay for the remaining damages up to the limits of your policy. We recommend umbrella insurance not only for wealthy individuals, but also for customers who have savings, inheritances, or expected future income.
Protect the people you love with insurance that provides financial benefits both now and in the future. We offer term life insurance for individuals who need high-limit death benefits that provide financial support to dependents after death, as well as permanent life insurance that never expires or increases in price, regardless of age or changes in health. We can even offer living benefits to individuals who want policies that accumulate cash value and offer flexible investing and borrowing opportunities. Ask your agent which types of life insurance may be right for you.
Quotes for Indiana Personal Lines of Coverage
Binford Insurance is an independent agency located in Indianapolis. We serve the state of Indiana, offering a broad selection of insurance solutions to meet the unique needs of our clients. As an independent agency, we do the shopping on your behalf, searching for competitive rates and discounts on the coverage you need. We can help you assess your individual risks and better understand the types of coverage you may need to minimize your vulnerability to financial loss. For more information about our personal insurance lines or to request your free quotes, contact our office today. We look forward to serving you soon.