5 Things People Think Insurance Covers (But Usually Doesn’t)

Insurance is one of those things we think we understand… until we actually need it. Then suddenly, it’s all “Wait—this isn’t covered?!”

You’re not alone. As an independent insurance agency, we hear the same misunderstandings over and over again. So let’s clear things up—without the boring fine print talk.

Here are five very common things people assume insurance covers, but usually doesn’t, and what you can do instead.

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1. Flood Damage 🌊

The assumption:
“My homeowners insurance will cover flood damage, right?”

The reality:
Usually… nope. Flood damage is almost always excluded from standard homeowners and renters insurance policies.

Insurance companies define a “flood” very specifically—typically as water rising from the ground (think heavy rain, storm surge, overflowing rivers). Even just a few inches of water can cause tens of thousands of dollars in damage, and a regular homeowners policy won’t step in.

What is covered instead?

• Burst pipes

• Accidental overflows (like a washing machine leak)

• Rain damage if it enters through a covered opening

What to do:
If you live in a flood-prone area—or honestly, anywhere—a separate flood insurance policy is worth discussing. Flooding can happen far outside of high-risk zones.

👉 Fun fact: Over 20% of flood claims come from low-to-moderate risk areas.

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2. Normal Wear and Tear 🏚️

The assumption:
“My insurance will help replace my old roof/appliances/AC system.”

The reality:
Insurance is designed for sudden and accidental losses, not aging or maintenance issues.

That means things like:

• An old roof wearing out

• A water heater dying from age

• Faded siding or cracked driveways

…are considered home maintenance, not insurable events.

What is covered instead?
If that older roof is damaged by:

• A windstorm

• Hail

• A fallen tree

Then that damage may be covered—depending on your policy.

What to do:
Keep up with maintenance and ask about:

• Roof age limitations

• Actual cash value vs. replacement cost coverage

These details matter more than most people realize.

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3. Expensive Jewelry, Art, or Collectibles 💍🎨

The assumption:
“My homeowners insurance covers my engagement ring or collectibles.”

The reality:
Most policies have strict limits on high-value items. For example:

• Jewelry may be capped at $1,500–$2,500

• Fine art, collectibles, or firearms often have low sub-limits too

So if a $7,000 ring is stolen, you might only get a fraction back.

What to do:
This is where scheduled personal property comes in. By specifically listing valuable items:

• Coverage is higher

• Deductibles may be lower

• Protection is broader (often even worldwide!)

✨ Bonus: Scheduling items is usually much more affordable than people expect.

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4. Business Activities at Home 🏠💼

The assumption:
“I work from home—my homeowners insurance covers that.”

The reality:
Homeowners insurance is for personal use, not business operations.

Common uncovered situations include:

• Client injuries in your home

• Business equipment damage

• Inventory losses

• Professional liability claims

Even side hustles can create coverage gaps.

What to do:
Depending on what you do, you may need:

• A home-based business endorsement

• A business owners policy (BOP)

• Professional liability coverage

This is especially important for freelancers, consultants, and online sellers.

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5. “Anything That Goes Wrong” 😅

The assumption:
“If something bad happens, insurance will take care of it.”

The reality:
Insurance isn’t a catch-all safety net. Coverage depends on:

• The cause of loss

• Policy exclusions

• Coverage limits

• Deductibles

Things commonly not covered include:

• Intentional damage

• Illegal activities

• Certain animal breeds or incidents

• Neglect or repeated unresolved issues

What to do:
Read the policy (or let an agent explain it in plain English—way easier). Understanding why something is or isn’t covered helps prevent surprises later.

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Final Thought: Assumptions Are Expensive 💸

Most insurance frustrations don’t come from bad policies—they come from misunderstandings.

That’s the value of working with an independent insurance agency. We’re not tied to one company, and our job is to:

• Ask the right questions

• Spot coverage gaps

• Customize protection for your real life

If you’re not 100% sure what your policy covers, that’s your sign—it’s time for a review

Because insurance should bring peace of mind… not plot twists.

 

 

You can experience being a part of and full-serviced independent Insurance Agency today! Simply contact Briggs Agency Inc, if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

 

Blog post written by: Zachary Pelke

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If Movie Characters Had Insurance: Who’d Be Bankrupt First?

Movies love chaos. Explosions, car chases, collapsing buildings—it’s all great entertainment. But if we slow things down for a moment and ask a very practical question, things get interesting fast:

If movie characters had real insurance coverage, who would still be standing financially… and who would be completely bankrupt?

Beyond the fun, this exercise actually highlights some very real insurance lessons that apply to everyday life. Let’s take a look.

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1. The Superhero: Overpowered, Underinsured

Example: Iron Man, Batman, Superman

Superheroes cause (and prevent) catastrophic damage on a regular basis. Skyscrapers collapse. Vehicles are destroyed. Entire cities are leveled.

The Insurance Reality

Even the wealthiest superhero would struggle with:

• Property damage claims in the billions

• Liability lawsuits from injured bystanders

• Umbrella policy limits that wouldn’t even come close to covering losses

Most personal and commercial policies exclude:

• Acts of war

• Intentional damage

• Extremely high-risk activities

Even with extensive coverage, one major battle could exceed policy limits instantly.

Verdict:
💸 Bankrupt—unless they have a custom, high-limit liability and umbrella policy (and a very patient carrier).

Real-life takeaway:
If your lifestyle, assets, or profession increases your exposure to lawsuits, standard coverage may not be enough. This is where umbrella insurance becomes essential—not optional.

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2. The Action Hero: The Walking Liability Claim

Example: James Bond, John Wick, Jason Bourne

Car chases through city streets. Hotels destroyed. International incidents everywhere.

The Insurance Reality

Action heroes would face:

• Auto claims involving multiple vehicles and cities

• Property damage across multiple countries

• Personal liability claims for injuries and fatalities

• Likely policy cancellations after claim #2

No personal auto policy is designed to survive this level of risk exposure.

Verdict:
💸 Bankrupt, uninsurable, and dropped by every carrier.

Real-life takeaway:
Frequent claims—especially large ones—can lead to higher premiums or non-renewal. Insurance is about managing risk, not surviving chaos.

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3. The Home Alone Kid: Surprisingly Well Covered

Example: Kevin McCallister

Booby traps, property damage, and injured burglars—but all within a single residence.

The Insurance Reality

Assuming the family had a solid homeowner’s policy:

• Property damage may be covered (minus intentional acts)

• Liability coverage could respond to injuries sustained on the property

• Medical payments coverage might apply

However, intentional injury exclusions could complicate things.

Verdict:
⚠️ Financially bruised, but probably not bankrupt.

Real-life takeaway:
Homeowners insurance does more than protect your house—it also protects you from liability when someone is injured on your property.

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4. The Small Business Owner in a Disaster Movie: One Claim Away from Closing

Example: Restaurant owners, shopkeepers, or small businesses in disaster films

Earthquakes, fires, floods, power outages—businesses are hit hard and fast.

The Insurance Reality

Without the right coverage:

• Property damage may not be fully insured

• Flood and earthquake damage is often excluded

• Business interruption losses can cripple cash flow

Many businesses fail not because of damage—but because they can’t operate while repairs are made.

Verdict:
💸 Bankrupt without proper planning.

Real-life takeaway:
Business insurance isn’t just about rebuilding—it’s about survival. Business interruption, extra expense, and disaster-specific coverage can make the difference between reopening and closing forever.

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5. The Carefree Rom-Com Character: Quietly Well Protected

Example: The everyday professional in a romantic comedy

No explosions. No car chases. Just normal life events.

The Insurance Reality

These characters usually:

• Drive responsibly

• Own or rent modest property

• Have predictable lifestyles

With properly structured auto, renters/homeowners, and liability coverage, they’d be fine.

Verdict:
✅ Financially stable and insurable.

Real-life takeaway:
Most people don’t need extreme coverage—but they do need the right coverage. Gaps often exist simply because no one reviewed the policy recently.

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6. The Villain: Denied, Denied, Denied

Example: Criminal masterminds, supervillains

Intentional acts. Illegal activity. Total destruction.

The Insurance Reality

Insurance policies universally exclude:

• Intentional damage

• Criminal acts

• Fraud

No coverage. No appeals.

Verdict:
🚫 Denied across the board.

Real-life takeaway:
Insurance protects against accidents and unforeseen events—not intentional or illegal behavior.

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The Bigger Lesson: Real Life Isn’t a Movie

While most of us won’t face exploding buildings or high-speed chases, the principles are the same:

• Risk increases as your life changes

• Assets need protection

• Liability is often underestimated

• Cheap coverage can become very expensive

That’s where an independent insurance agency makes a difference. Instead of fitting you into a one-size-fits-all policy, we evaluate:

• Your lifestyle

• Your assets

• Your exposure to risk

• Your future plans

And we build coverage that actually holds up when life gets messy—no movie magic required.

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Final Thought

If movie characters had real insurance, many would be financially ruined by the end credits. The good news? You don’t have to be.

If you’re not sure whether your current coverage would survive a real-life plot twist, it may be time for a review.

Because in real life, there are no sequels after a total financial loss

 

 

You can experience being a part of and full-serviced independent Insurance Agency today! Simply contact Briggs Agency Inc, if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

 

Blog post written by: Zachary Pelke

Turning 65? Insurance Changes You Should Know

Turning 65 is a big milestone—especially when it comes to your health insurance. For many people, this birthday brings new options, new rules, and important decisions that can affect both your healthcare and your budget for years to come.

Whether you’re retiring, still working, or helping a spouse navigate coverage, here’s what you need to know about insurance when you turn 65.

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Medicare Eligibility Begins at 65 🏥

Most people become eligible for Medicare at age 65 if they:

• Are a U.S. citizen or legal resident (for at least 5 years), and

• Have worked and paid Medicare taxes (or are married to someone who has)

Medicare is not automatic for everyone, so understanding enrollment is critical.

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Understanding the Parts of Medicare 🧩

Medicare is made up of several parts, each covering different services:

🔹 Medicare Part A (Hospital Insurance)

• Covers inpatient hospital stays, skilled nursing facilities, hospice, and some home health care

• Usually premium-free if you’ve worked at least 10 years (40 quarters)

🔹 Medicare Part B (Medical Insurance)

• Covers doctor visits, outpatient care, preventive services, and medical equipment

• Has a monthly premium (based on income)

• Most people need to actively enroll

🔹 Medicare Part C (Medicare Advantage)

• Offered by private insurance companies

• Combines Part A and Part B, often includes prescription drugs, dental, vision, hearing, and more

• Plans vary by location and carrier

🔹 Medicare Part D (Prescription Drug Coverage)

• Helps cover the cost of medications

• Optional, but important to enroll on time to avoid penalties

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Important Enrollment Periods ⏰

Missing deadlines can lead to late enrollment penalties, so timing matters.

🟢 Initial Enrollment Period (IEP)

• Starts 3 months before your 65th birthday

• Includes your birthday month

• Ends 3 months after

This is the best time to enroll if you’re not covered by employer insurance.

🟡 Special Enrollment Period (SEP)

• Available if you’re still working and covered by a qualified employer health plan

• Allows you to delay Medicare without penalties

🔴 General Enrollment Period

• January 1 – March 31

• Late enrollment penalties may apply

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Still Working at 65? 👔

If you or your spouse is still working, your choices depend on:

• Employer size

• Whether the employer plan is considered creditable coverage

Some people delay Medicare Part B and Part D without penalties, while others should enroll right away. This is where professional guidance can make a big difference.

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What About Your Current Health Insurance? 🔄

Turning 65 may affect:

• Individual health plans

• Marketplace (ACA) coverage

• COBRA

• Spousal coverage

In many cases, Medicare becomes your primary insurance, and keeping certain plans may no longer make sense—or may even cause issues with claims.

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Costs to Expect 💰

While Medicare helps with healthcare costs, it doesn’t cover everything:

• Deductibles and copays still apply

• Original Medicare has no out-of-pocket maximum

• Prescription drug costs vary by plan

Many people choose:

• Medicare Supplement (Medigap) plans to reduce out-of-pocket costs

• Medicare Advantage plans for bundled benefits and predictable expenses

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Why Work with an Independent Insurance Agent 🤝

Medicare choices are not one-size-fits-all. An independent agent can:

• Compare multiple carriers and plans

• Explain options in plain language

• Help avoid costly penalties

• Ensure your doctors and medications are covered

Best of all—there’s no additional cost to work with an independent Medicare agent.

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Final Thoughts ✅

Turning 65 is an exciting life transition, but insurance decisions made now can impact your healthcare for years to come. Understanding your options—and enrolling at the right time—can help you avoid stress, penalties, and unnecessary expenses.

If you’re approaching 65 or helping a loved one navigate Medicare, now is the time to get informed and explore your choices.

 

You can experience being a part of and full-serviced independent Insurance Agency today! Simply contact Briggs Agency Inc, if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

 

Blog post written by: Zachary Pelke

What to Do After a Car Accident: An Insurance Checklist

A car accident can be stressful, confusing, and overwhelming—especially if it’s your first one. Knowing exactly what to do in the moments and days after an accident can protect your health, your finances, and your insurance claim.

Use this step-by-step insurance checklist to stay calm, stay safe, and avoid costly mistakes.

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1️⃣ Make Safety the Top Priority

Before thinking about insurance or paperwork, focus on safety.

✔️ Check yourself and others for injuries
✔️ Move to a safe location if vehicles are drivable
✔️ Turn on hazard lights
✔️ Call 911 immediately if anyone is injured

🚨 Important: Even minor accidents can cause injuries that aren’t obvious right away. When in doubt, get medical attention.

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2️⃣ Call the Police (Yes—Even for Minor Accidents)

A police report can be one of the most important pieces of documentation for your insurance claim.

• Provides an official record of the accident

• Helps establish fault

• Prevents disputes later

📝 Ask how to obtain a copy of the police report—you’ll likely need it when filing your claim.

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3️⃣ Exchange Information With the Other Driver

Collect the following from everyone involved:

✔️ Full name and contact information
✔️ Insurance company & policy number
✔️ Driver’s license number
✔️ License plate number
✔️ Vehicle make, model, and year

📸 Pro tip: Take photos of insurance cards and driver’s licenses to avoid mistakes.

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4️⃣ Document the Scene Thoroughly

The more evidence you have, the smoother your claim will be.

Take photos of:

• Vehicle damage (close-up and wide shots)

• The accident scene

• Road conditions, skid marks, and traffic signs

• Weather and lighting conditions

If there are witnesses, politely ask for:

• Names

• Phone numbers

• A brief description of what they saw

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5️⃣ Be Careful What You Say

It’s natural to want to apologize—but avoid admitting fault, even casually.

🚫 Don’t say:

• “It was my fault”

• “I didn’t see you”

• “I’m sorry, I caused this”

✔️ Stick to facts when speaking with police and the other driver.

Fault is determined later by insurance companies based on evidence—not roadside conversations.

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6️⃣ Notify Your Insurance Company Promptly

Contact your insurance provider as soon as possible, even if the accident wasn’t your fault.

You’ll typically need:

• Date, time, and location of the accident

• Description of what happened

• Photos and police report (if available)

⏱️ Delaying notification can slow down—or even jeopardize—your claim.

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7️⃣ Understand What Your Auto Insurance Covers

Depending on your policy, coverage may include:

• Liability Coverage: Damage or injuries you cause to others

• Collision Coverage: Damage to your vehicle

• Comprehensive Coverage: Non-collision damage (theft, vandalism, weather)

• Medical Payments / PIP: Medical expenses for you and passengers

• Uninsured/Underinsured Motorist: Protection if the other driver lacks adequate insurance

👉 Not sure what you have? This is where a trusted insurance agent can help.

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8️⃣ Decide Whether to File a Claim

Sometimes, paying out of pocket for minor damage may make sense—especially if repairs cost less than your deductible.

Consider:

• Estimated repair costs

• Your deductible

• Potential impact on future premiums

📌 An independent insurance agent can help you weigh your options before filing.

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9️⃣ Get Your Vehicle Repaired the Right Way

• Use a repair shop approved by your insurer—or one you trust

• Keep copies of estimates and invoices

• Ask about rental car coverage if your vehicle is undrivable

🚘 Some policies include rental reimbursement—others don’t.

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🔟 Follow Up and Keep Records

Create a simple claim file that includes:

• Police report

• Photos and videos

• Medical bills and repair invoices

• Emails and notes from conversations

Good documentation = fewer headaches.

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Bonus Tip: Review Your Insurance After the Accident

A car accident is often a wake-up call.

It may be time to:

• Adjust coverage limits

• Add uninsured motorist coverage

• Consider an umbrella policy

• Re-shop rates with multiple carriers

💡 This is where working with an independent insurance agency really pays off.

You can experience being a part of and full-serviced independent Insurance Agency today! Simply contact Briggs Agency Inc, if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

 

Blog post written by: Zachary Pelke