Renters Insurance

You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk. Let the Scott Lynch Agency help you find coverage options that protect you, your family, and your personal property. Call us at (317) 886-0081 and let us help to make sure you’re properly covered.

Greenwood, West Chester, Indianapolis, Cincinnati – What you need to know about renters insurance

Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home. For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.

Indiana and Ohio Protect yourself and your guests

Your renters insurance policy protects you and your family against certain bodily injury and property damage claims for which you are liable.  Legal defense is also provided in the event you are sued after a covered loss,  subject to the limits you have selected. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let the Scott Lynch Agency help you find the right amount of coverage to suit your insurance needs in Indiana and Ohio. Call us today at (317) 886-0081.

Get the right amount of insurance coverage Indiana and Ohio at the best price

Whether you’re starting out, between homes or downsizing, the Scott Lynch Agency will help you pick the renters insurance coverage that best fits your needs. Give us a call today at (317) 886-0081 and get covered. Be sure to ask about available discounts including burglar alarm credits and the account credit for customers who package auto policies with their renters policy.

Extra coverage doesn’t have to cost a lot

Whether you’re starting out, between homes or downsizing, we will help you pick the renters insurance coverage that best fits your needs. If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles option which provides broader coverage and no deductible in the event of a covered loss.

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April is Tornado Awareness Month

April is Tornado Awareness Month. Do you know where to seek shelter during a tornado? Learn what to do before, during & after one hits.

Image by Jonny Lindner from Pixabay
Image by Jonny Lindner from Pixabay

Tornadoes

Tornadoes can destroy your home, your business, buildings, flip cars, and create deadly flying debris. Tornadoes are violently rotating columns of air that extend from a thunderstorm to the ground. Tornadoes can:

  • Happen anytime and anywhere;
  • Bring intense winds, over 200 MPH; and
  • Look like funnels.

 IF YOU ARE UNDER A TORNADO WARNING, FIND SAFE SHELTER RIGHT AWAY

  • If you can safely get to a sturdy building, then do so immediately.
  • Go to a safe room, basement, or storm cellar.
  • If you are in a building with no basement, then get to a small interior room on the lowest level.
  • Stay away from windows, doors, and outside walls.
  • Do not get under an overpass or bridge. You’re safer in a low, flat location.
  • Watch out for flying debris that can cause injury or death.
  • Use your arms to protect your head and neck.

HOW TO STAY SAFE WHEN A TORNADO THREATENS

Prepare NOW

  • Know your area’s tornado risk. In the U.S., the Midwest and the Southeast have a greater risk for tornadoes.
  • Know the signs of a tornado, including a rotating, funnel-shaped cloud; an approaching cloud of debris; or a loud roar—similar to a freight train.
  • Sign up for your community’s warning system. The Emergency Alert System (EAS) and National Oceanic and Atmospheric Administration (NOAA) Weather Radio also provide emergency alerts. If your community has sirens, then become familiar with the warning tone.
  • Pay attention to weather reports. Meteorologists can predict when conditions might be right for a tornado.
  • Identify and practice going to a safe shelter in the event of high winds, such as a safe room built using FEMA criteria or a storm shelter built to ICC 500 standards. The next best protection is a small, interior, windowless room on the lowest level of a sturdy building.
  • Consider constructing your own safe room that meets FEMA or ICC 500 standards.

 Survive DURING

  • Immediately go to a safe location that you identified.
  • Take additional cover by shielding your head and neck with your arms and putting materials such as furniture and blankets around you.
  • Listen to EAS, NOAA Weather Radio, or local alerting systems for current emergency information and instructions.
  • Do not try to outrun a tornado in a vehicle.
  • If you are in a car or outdoors and cannot get to a building, cover your head and neck with your arms and cover your body with a coat or blanket, if possible.

Be Safe AFTER

  • Keep listening to EAS, NOAA Weather Radio, and local authorities for updated information.
  • If you are trapped, cover your mouth with a cloth or mask to avoid breathing dust. Try to send a text, bang on a pipe or wall, or use a whistle instead of shouting.
  • Stay clear of fallen power lines or broken utility lines.
  • Do not enter damaged buildings until you are told that they are safe.
  • Save your phone calls for emergencies. Phone systems are often down or busy after a disaster. Use text messaging or social media to communicate with family and friends.
  • Be careful during clean-up. Wear thick-soled shoes, long pants, and work gloves.

Associated Content

 

Purchases that end up costing you

©Shutterstock
Alan Jones 
Researching prices and finding deals can be a time-consuming process for many adults, which makes responsible spending a burden. While some big-ticket items can be rewarding, some bad purchases just won’t justify the price over time, no matter how much you try to rationalize the decision.
Photo by rawpixel.com from Pexels
Photo by rawpixel.com from Pexels