FAQs

To protect you and your family’s assets in a claim situation.

A deductible is the portion of a claim that you are responsible to pay.

We always prefer that you contact us first so we can properly advise you. If not during business hours, please contact your insurance company direct.

Comprehensive coverage provides coverage for physical damage to your vehicle in situations such as hitting a deer, glass replacement, theft, etc… Collision insurance covers your own vehicle when involved in an at-fault accident.

As long as you have uninsured/underinsured motorist coverage or collision coverage, your insurance will cover the damages to your vehicle. We include UM/UIM on every policy unless you request that it be removed.

An independent agency represents many insurance companies instead of just one. Lafayette Insurance can quote your coverage with several companies, compare the results and recommend the best fit. A captive agent can only offer one company’s policies.

We represent many carriers, including ERIE, Progressive, Nationwide, GEICO, AAA, National General, Foremost, Openly, Universal Property and others. See the full list on our insurance companies we represent page.

No. Quotes are free, and insurance companies pay our agency, so you don’t pay extra for our help comparing companies.

For auto, have the driver’s license numbers and vehicle VINs for everyone in the household. For home, have your address, the year the home was built and the age of the roof. A copy of your current policy’s declarations page helps us compare apples to apples.

You can, but you’ll usually get the biggest multi-policy discount by keeping them with the same company. We’ll show you both options when we compare quotes.

Bundle your home and auto with the same company, keep a clean driving record, ask about telematics, paperless and paid-in-full discounts, and consider a higher deductible. We also shop multiple companies to find you the best rate.

Excess Liability. Sometimes used interchangeably with “umbrella,” “excess liability” refers to extended liability coverage.

Liability is your legal responsibility for damages.

Homeowners insurance typically has a coverage known as personal property that helps repair or replace these items if they are lost, stolen or destroyed in a claim situation.

Often when a business enters a contract with another entity they must provide proof of their insurance, we can create a dated document showing your most current insurance coverages and limits.

Call us. Because we represent multiple companies, we can re-shop your policy and look for discounts or coverage changes that bring the price back down.

No. Flood damage requires a separate flood policy. Water backup from a sump pump or sewer is also excluded unless you add that coverage. Learn more about flood insurance in Tippecanoe County.

Yes. We help students and parents with renters insurance for apartments in West Lafayette and Lafayette, and with auto coverage for students who bring a car to campus.

Our main office serves Lafayette, West Lafayette and Tippecanoe County, and we have a Zionsville office available by appointment. We also serve clients elsewhere in Indiana and in Ohio and Tennessee.

At least once a year, and any time you buy a home, add a driver, start a business, renovate or make a large purchase.