renters insurance policy

Should You Get Renters Insurance? 5 Reasons You Should Definitely Consider It

Picture this: you’re coming home from work, looking forward to propping up your feet and relaxing in your apartment, when you’re greeted by the flashing lights of a police car and fire truck beside your apartment. Perhaps a fire broke out unexpectedly and ravaged a good portion of your belongings while you were away at work. Maybe a thief snuck in and made off with some of your most precious belongings. As we all know, anything can happen, so it’s best to be prepared for anything. In this case, being prepared would involve being covered with renters insurance.

According to a 2014 Insurance Information Institute poll conducted by ORC International, 95% of homeowners have a homeowner’s insurance policy, but only a staggering 37% of renters are protected with renters insurance policies. Some renters fail to see the importance of a renters insurance policy while others simply don’t realize that their landlord’s property insurance policy only covers losses to the building itself and not any personal property.

Stay informed and protect yourself – here are 5 big reasons why you should seriously consider getting renters insurance:

Your Personal Property Will Be Protected – As we mentioned earlier, your landlord probably has some form of insurance policy on the building itself, but it won’t cover your personal belongings in case they are lost, damaged, or stolen. Having a renters insurance policy in place can protect your personal property against a long list of perils, including damage caused by vehicles, explosions, falling objects, fire, lightning, smoke, theft, vandalism, windstorms, hail, and more. Be sure to talk to a qualified agent about renters insurance to determine what the policy will cover.

It Provides Liability Coverage – Let’s say that a visitor of yours is injured in your home somehow. The injured party could take the issue to court. With a renters insurance policy in place, you will be protected should any accidents occur within your apartment. It can pay any court judgments and legal expenses up to the policy limit as well.

Your Landlord Might Require It – More and more, landlords are beginning to require their tenants to purchase their own renters insurance policies and will also want to see proof. The idea is that you, the tenant, will be covered in the event of an accident or a disaster.

You Can Rest Easier When You Travel – Whenever you take a vacation, you can rest even more soundly knowing that your renters insurance policy will shield you in case something happens to your personal belongings while you’re out of town, including theft and other covered losses. Be sure to ask your insurance agent for details on what might constitute as other covered losses.

It May Cover Additional Living Expenses – Should a disaster occur such as a fire and your home becomes uninhabitable, your renters insurance policy may cover additional living expenses. These expenses may include the cost of living in a temporary location, food, and more. Be sure to ask your agent about how long the policy may cover these expenses.

Renters insurance is always a good idea, and an additional discount is available when you bundle it with an auto policy. If you don’t have a policy but would like to obtain one, or if you simply want to update your insurance policy, reach out to your Madison Mutual Insurance Company agent and talk to him or her today! Call us at 1-800-766-MMIC or visit us online at www.madisonmutual.com to learn more!

ways to prepare your kids for back to school

6 Ways You Can Prepare Your Kids for Back-to-School

As summer comes to a close, children and their families nationwide are preparing to head back to school and break open the books. Now is the time to get them ready to go back to school and set them on the track for a successful school year! Here are our 6 tips to help your children get back into the swing of the school year:

Establish Healthy Sleep Routines – Don’t wait to do this until the night before the school year. Instead, take the time to establish a healthy sleep routine little by little. Start by adjusting your nightly routine by 15 minutes each night until you work your way toward your target bedtime. After all, small adjustments are much easier to embrace than sudden, drastic ones.

Battle Back the Butterflies – Sometimes going back to school, transferring to a new school, or entering a new grade can be nerve-wracking for kids. Calm any fears your kids may have by emphasizing the positives like hanging out with friends, meeting new classmates, and getting involved in their favorite sports and activities. Remember to establish a healthy school night routine, give them a healthy breakfast each morning, and getting them organized before school starts.

Nurture Their Independence – As your children grow and enter new grades, they will need to learn how to do many things on their own. Encourage your young children by having them practice tying their shoes and writing their name. For older students, begin talking to them about their responsibilities before the school year begins. These should include organizing their school materials, writing down their assignments, and bringing home their homework every night.

Set Up a Regular Homework Station – Make homework part of your children’s daily routine by establishing a set time and place for studying when they come home. Also, try to make yourself as available as possible during this time, especially for younger children. Even if you’re preparing dinner, you should be around to check in on their progress each day.

Determine After-School Plans – Since school gets out before most working parents get home, it’s essential to figure out where your children will go or who will be at home in the afternoon once school is out. Have an older sibling take your younger children home after school, or see if there are any after-school programs through the school that your children can attend.

Make Plans to Attend Orientations – Many schools will have an orientation day for students and parents to meet the key players in the school – the teachers, principal, counselors, and front desk staff – and to become familiar with the school and where their classrooms will be. Make plans to go to the orientation with your children and meet their teachers and the staff. Your children will feel more comfortable, and you’ll have the chance to chat with the school personnel.

What do you do to help your children get ready for the new school year? Tell us in the comments below or on our Facebook page! We hope that the 2016-2017 school year is a successful one for you and your students!

Holiday World Indiana

Enjoy the Last of Summer With These 7 Fun-Filled Indiana Road Trip Ideas!

Although summer feels like it arrived not too long ago, the season is nearing its end and school will be in session soon enough. Why not take the time out for one last hurrah on the road? We’ve compiled 7 of our favorite fun-filled Indiana destinations for you to check out on your next Midwestern road trip!

Holiday World – Want to beat the summertime heat? Head over to Santa Claus, Indiana and visit Holiday World Theme Park & Splashin’ Safari Water Park, the world’s first ever theme park! Enjoy free soft drinks, free sunscreen, and free parking as you check out the park’s wildly fun rides. Voted the Cleanest Park in the World for more than a decade, Holiday World has plenty of rides, fun live shows, and delicious food including Thanksgiving Dinner and blue ice cream! This amusement park is definitely a must-visit destination!

Squire Boone Caverns – Visit Mauckport, a southern Indiana town on the Ohio River, and go back in time to the gold-mining days. Those 7 years and older and at least 65 pounds can zip through forests and ravines at Zipline Adventures, and little ones can mine for gold and gemstones, explore nature, and visit the candy shop at Squire Boone Village. Don’t forget to check out Squire Boone Cavern to see beautiful waterfalls and streams – bring along a sweater!

Shipshewana – Want to do something a little different? Journey north to Shipshewana and tour the Amish countryside with Buggy Lane Tours. Once your tour is over, you can check out the Blue Gate Restaurant and enjoy a home-cooked meal and a sweet treat at the bakery. Wind down with a show at the Blue Gate Theater, which offers some of the best family-friendly entertainment in the area, and check out the countless shops for some of the most unique gifts in Indiana!

Indiana Dunes – Saunter over to Porter, Indiana and head over to the awe-inspiring Lake Michigan. You can take in some of the most stunning sights on the sand dunes, go hiking, and take a dip in the Great Lake. Wrap up the day by indulging in world-class cuisine and taking in the exciting nightlife downtown!

Brown County – Bring the whole family along for a fun-filled adventure in Brown County near Nashville, Indiana! The little ones can enjoy pony rides while those 7 years old and older can go on a trail ride adventure. Check out one or more of the 12 trails within the park and enjoy the sights along the way. Make the most of your adventure by flying through the trees on zip lines, catching some fish, playing tennis, getting out on the water on a canoe, and much more! At the end of the day, head over to Nashville and enjoy plenty of specialty shops and fantastic restaurants.

Marengo Cave – Check out one of Indiana’s most unique attractions in Marengo! The Marengo Cave is chock full of unique and amazing caves. Embark on walking tours, gemstone mining, canoeing and more. Kids can enjoy an adventure of their own as they crawl through a maze called “The Crawl.” This is the perfect place for those who want to go cave exploring and escape the summer heat!

Pine Lake Waterpark – Journey to eastern Indiana to the charming Swiss town of Berne and check out Pine Lake Waterpark! This is a one-of-a-kind outdoor water park, which is situated on beautiful Pine Lake. Your kids will enjoy the kiddie slides and splash pad, and you can have a blast on the 3 big water slides, various water logs, and even a 30-foot jumping platform! Enjoy family fun with beach volleyball or take a cable ride to take in your surroundings. There’s fun for everyone at Pine Lake Waterpark!

Before you head out on the road, make sure you call your agent at Madison Mutual Insurance Company to ensure that your auto insurance is up-to-date! Call us at 1-800-766-MMIC or learn more about us online at www.madisonmutual.com!