October 29, 2024
Crume-Evans InsuranceReasons Why You Need Cyber Insurance for Business: Phishing
In today’s digital age, businesses face a myriad of cyber threats, with phishing being one of the most prevalent and damaging. Phishing attacks, where cybercriminals deceive individuals into providing sensitive information, can have severe consequences for businesses of all sizes. Fortunately, businesses can help protect their financial interests by understanding the threat of phishing attacks […]
August 29, 2024
Crume-Evans InsuranceFlood Insurance—Is it Necessary?
When floodwater begins to accumulate around your property, the last thing you want is to lack adequate flood insurance coverage. Understanding flood insurance policies and retaining the right coverage can make all the difference in the wake of these natural disasters. Furthermore, there may even be times when you are formally obligated to carry an […]
June 28, 2024
Crume-Evans InsuranceDo Newer Homes Cost Less to Insure?
Did you know that newer homes cost less to insure? Home insurance is critical to responsible homeownership, offering financial protection against unexpected damages and disasters. But did you know that the age of your home can significantly impact your insurance premiums? Insurance companies typically assess many factors when assessing your risk levels and calculating quotes […]
May 29, 2024
Crume-Evans InsuranceUnderstanding Auto Insurance Deductibles
Understanding auto insurance deductibles is crucial and helps you know what to expect in the event of an accident. A deductible is the money you’ll pay toward an applicable covered claim. For instance, if your deductible is $500 and your vehicle costs $2,500 to repair following an accident, you’ll pay the first $500, and your insurance company […]
March 26, 2024
Crume-Evans InsuranceWhat Is Replacement Cost?
When it comes to insurance, especially property insurance, the term replacement cost often emerges in discussions. But what exactly does it mean, and why is it crucial for policyholders to understand? What is it? Replacement cost refers to the amount of money it would take to replace or repair damaged property with items of similar […]
February 13, 2024
Crume-Evans InsuranceHow Surcharges Affect Auto Insurance
How do surcharges affect my auto insurance? When you’re behind the wheel, every decision counts. In the aftermath of a car accident, if you’re found at fault or have been ticketed for a driving violation, you might find your insurance premiums climbing. This increase may come in the form of a surcharge, an additional fee […]
January 30, 2024
Crume-Evans InsuranceTips on Making Sure All Your Assets are Protected
Owning a home is a significant investment, and it’s crucial to ensure that your assets are protected. Homeowners insurance plays a vital role in safeguarding your property, belongings, and financial well-being. Here’s a comprehensive guide on how to make the most of your homeowners insurance to secure your assets. Understanding policy coverage: Begin by thoroughly […]
November 30, 2023
Crume-Evans InsuranceWhat Does Farm Equipment Insurance Cover?
Farming is a vital industry that requires a substantial investment in equipment and machinery. To protect this investment, farmers often obtain farm equipment insurance. This specialized type of insurance offers coverage for a wide range of farming equipment, ensuring that farmers can continue to operate their businesses even in the face of unexpected challenges. What […]
September 19, 2023
Crume-Evans InsuranceWhat Are Some Common Insurance Risks for Truckers
Driving a truck for a living presents unique challenges, risks and responsibilities that can significantly impact your livelihood and safety. At Crume-Evans Insurance Service in Kokomo, Indiana, we are committed to helping you navigate the complexities of trucking insurance. Understanding the most common risks you’ll face on the road is the first step towards safeguarding […]
July 24, 2023
Crume-Evans InsuranceDo Small Businesses Need Cyber Liability Insurance?
Cyber risks have become significant issues for many organizations to address. Increased use of technology in many workplaces has helped to streamline operations and spur innovation, but such advancements may also create new exposures or exacerbate previously existing ones. As your company continues to implement digital solutions and work in cyberspace, you should prioritize expanding […]