Stay Informed

Local Agents’ Tips and Insights

Valuable guidance to assist you in making wiser insurance choices, reducing expenses, and safeguarding what is most important.

Young father cradling a newborn baby while the mother sits nearby with a mug of tea in a quiet living room
By Hardy Insurance Group June 5, 2026
Life insurance for new parents in Indiana: how much coverage your family needs, why both parents matter, and which riders protect your growing family.
Young couple on the front porch of an Indiana home holding a new house key and a moving box
By Hardy Insurance Group June 3, 2026
First time homebuyer insurance in Indiana: when to bind, what your lender requires at closing, and how to save by bundling auto and home from day one.
Contractor reviewing blueprints on the tailgate of a white work pickup at a residential jobsite
By Hardy Insurance Group June 1, 2026
Contractor insurance Indiana explained: general liability limits, tools and equipment coverage, builders risk, commercial auto, and additional insured rules.
Teen driver behind the wheel with parent in the passenger seat on a quiet Indiana street
By Hardy Insurance Group May 30, 2026
Adding a teen driver to your Indiana auto policy can raise premiums 80-130%. See Indiana GDL rules, real discounts, and why umbrella coverage matters.
Modest two-story Indiana home with a sedan in the driveway at golden hour
By Hardy Insurance Group May 28, 2026
Bundle auto home insurance Indiana saves 10-25%, but the best home carrier rarely sells the best auto policy. Here's when to bundle and when to split.
Foreman in flannel shirt reviewing clipboard with younger employee inside a small Midwestern workshop
By Hardy Insurance Group May 26, 2026
Indiana workers compensation rules for 2026: who needs it, how premiums are calculated, penalties for non-compliance, ghost policies, and ways to save.
Dark storm clouds gathering over a quiet residential Indiana street with mature trees
By Hardy Insurance Group May 24, 2026
Does homeowners insurance cover tornado damage in Indiana? Learn wind/hail deductibles, ACV vs RCV roof coverage, and what to do after a severe storm.
Young Midwestern family at kitchen table reviewing paperwork while toddler colors nearby
By Hardy Insurance Group May 22, 2026
Compare term vs. whole life insurance in Indiana, learn the DIME formula for coverage amounts, and see what Hoosier families typically pay each month.
Small business owner organizing inventory behind the counter of a main-street shop in morning window light
By Hardy Insurance Group May 20, 2026
The complete small business insurance Indiana checklist — BOP, GL, workers' comp, cyber, and commercial auto. Know what coverage your business needs.
Car keys and an opened insurance bill resting on the hood of a sedan in a Midwestern driveway
By Hardy Insurance Group May 18, 2026
Indiana auto insurance rates keep climbing — here are 7 proven ways to lower your premium, from bundling and telematics to shopping independent carriers.
Couple reviewing insurance documents and a laptop at a dining room table in late afternoon light
By Hardy Insurance Group May 16, 2026
Wondering if you need umbrella insurance in Indiana? See when $300K of liability isn't enough and how a $1M umbrella policy can protect your family's assets.
Swollen muddy river lapping at a wooden boat dock with riverfront homes and breaking storm clouds
By Hardy Insurance Group May 14, 2026
Does homeowners insurance cover flood in Indiana? No, you need NFIP or private flood plus a sewer backup endorsement, especially in the Ohio River basin.
Two-story white farmhouse with wraparound porch and mature oak trees in small-town southeast Indiana
By Hardy Insurance Group May 12, 2026
Homeowners insurance in Versailles, Indiana averages around $1,500/yr in 2026. See rate drivers, Ripley County specifics, and ways to lower your premium.
Sedan parked along a rural Indiana road with a wooden mailbox and soybean field at golden hour
By Hardy Insurance Group May 11, 2026
Indiana car insurance requirements for 2026 explained: 25/50/25 state minimums, BMV penalties for driving uninsured, and when umbrella coverage matters.
Business Insurance in Indiana
By Hardy Insurance Group April 22, 2026
Essential business insurance guide for Indiana owners. Learn which coverages protect your company, employees, and assets from common risks.
House insurance in Indiana
By Hardy Insurance Group April 22, 2026
Indiana homeowners can cut insurance costs with these 5 proven strategies. Learn how to reduce premiums without sacrificing coverage quality.
Smiling businessman in a navy suit shaking hands outside a modern office building, holding a folder
By Hardy Insurance Group April 22, 2026
Learn how independent agents like Hardy Insurance Group work for you, not one carrier. Compare quotes, get unbiased advice, and save on coverage.
Home Insurance Review
December 15, 2021
Insurance is an important part of being a homeowner. Not only does it protect you from damages caused by things like fire and vandalism, but it can also protect your personal property or additional structures like garages, and provide liability coverage.