We write home, auto and commercial coverage throughout Brazil and Clay County. Twenty minutes east on the National Road puts us close enough to meet in person, and independent means we can quote your policy against several carriers in one sitting.
These are the gaps we find most often when we review an existing policy for a Brazil household or business.
The masonry storefronts along Main and National Avenue are beautiful and expensive to rebuild. Replacement cost on a century-old commercial building with original detail rarely matches a carrier's square-footage estimate. Get the valuation right before a fire, not after.
Plenty of Brazil households drive I-70 daily in both directions. Long highway commutes affect auto rates, and they raise the case for higher liability limits and uninsured-motorist coverage than the Indiana 25/50/25 minimum.
Pole barns, detached shops, ATVs and mowers get treated inconsistently between carriers. Some cover the structure and almost none of the contents. Scheduling equipment is cheap; discovering the gap at claim time is not.
Wood stoves and supplemental heat are common in Clay County and are a specific underwriting question. Answer it accurately at application — an undisclosed wood stove is a clean path to a denied fire claim.
Dwelling, other structures, personal property, loss of use and liability, with limits set to what your home would actually cost to rebuild today.
Your landlord's policy covers the building, not your belongings. Renters coverage protects your property and your liability, usually for the price of a tank of gas each month.
Liability, collision, comprehensive, and uninsured motorist. Indiana's 25/50/25 minimum is a floor, not a recommendation.
Building, inventory, equipment and business personal property, plus general liability and workers' compensation for Brazil businesses.
Hull, motor, trailer, gear and on-water or on-road liability. Neither is adequately covered by a homeowners or auto policy alone.
Single-event liability and cancellation coverage, plus agreed-value protection for collections a standard policy caps far too low.
Clay County property does not price like Vigo County property, and the carrier that wins in Terre Haute is often not the one that wins in Brazil. Comparing them is the entire job.
We are not captive to one company. We take your information once, quote it across the carriers we represent, and show you what each one actually covers — not just the premium. About 20 minutes east on US 40.
Call (812) 234-0766
Call us or send a message. No obligation, no pressure — just a licensed Indiana agent comparing your options across multiple carriers.