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The Brown Insurance Group

"Beyond The Expected Insurance Blog"

All You Ever Wanted to Know About Insurance

These articles are intended to provide you, the reader, with timely and useful information concerning insurance coverage. The goal is to inform you about elements concerning insurance if you own a home or if you own a business! Stay at the cutting edge of what is happening in the insurance world and how it affects you. These articles are written by professionals, but you don’t have to be a pro to get the value out of it. From industry news and specific insurance articles to events happening in your area, you’re sure to find something to suit your needs.

 

Tuesday, October 27, 2020

In a few weeks, kids in costumes will be roaming Northwest Indiana neighborhoods on a mission to fill their bags with goodies. While this is a fun tradition, it’s important to keep your home and yard safe so your Halloween...

 

Tuesday, October 20, 2020

5 Tips to Help Prevent Tree Trouble Trees are pretty amazing things. They produce oxygen. They serve as natural air conditioners, both by blocking sunlight and through evaporation. And they even absorb sounds, helping to keep things...

 

Tuesday, October 13, 2020

Taking inventory can help you determine the amount of coverage you need. Why should I complete a home inventoryYour furniture and appliances, clothing, sports or hobbyequipment, and electronic goods are all regarded aspersonal property...

 

Tuesday, October 6, 2020

Transitioning seasons can be a difficult time in many people’s lives. It’s even more strenuous when going from warm, sunny temperatures to much darker, colder weather. In fact, the temperature isn’t the only thing...

 

Tuesday, September 29, 2020

If you’re growing mold and mildew on your home’s siding, now’s a good time to clean it. If you’ve never done this before, you may not know where to start. Depending on the size of your home and the amount of...

 

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Tuesday, September 22, 2020

Many people have a limited definition of “distracted driving”: They think it only means texting behind the wheel. There’s good reason for that, because texting requires visual, manual and cognitive attention –...

 

Tuesday, September 15, 2020

Home Security is Easier — and Better — Than Ever Think home security is still about bulky camera equipment and wires running all throughout your home? Think again. Today, things have changed quite a bit, and the playing...

 

Monday, April 27, 2020

Brown Insurance Group is backed by a powerful partner that shares in our mission to safeguard livelihoods, bolster businesses and fortify communities. Introducing our partnership with The Keystone Insurers Group. We offer insurance...

 

Monday, April 20, 2020

HAD AN ACCIDENT? Read below for great tips on what to do. IF YOU HAVE AN ACCIDENT Call 911 if anyone is injured. Get names, addresses, phone numbers, makes of vehicles, and license numbers of all other drivers, passengers, and...

 

Monday, April 13, 2020

Saving money on employee benefits while still attracting and retaining the best and the brightest is a must in today’s economy. The cost of providing benefits is rising significantly, while employees consistently seek more and...

 

Monday, April 6, 2020

CREATE A LIFELINE THAT WILL LAST A LIFETIME We know you can’t put a dollar amount on your family, but you can insure their future is protected. And though costs are a real concern for most people considering life insurance, it...

 

Tuesday, March 31, 2020

STEEPED IN THE REGION IS BROWN INSURANCE GROUP - GOING BEYOND THE EXPECTED We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including...

 

Tuesday, March 24, 2020

At Brown Insurance, we believe our success centers on our ability to identify and satisfy our client’s needs. We strive to establish long lasting relationships with you based on trust and our commitment to providing superior...

 

Tuesday, March 17, 2020

The Brown Insurance Group of Highland, IN is an independent insurance agency that delivers a recognizable difference to our clients through innovative and cost effective insurance, risk management, human resources and employee benefit...

 

Tuesday, March 10, 2020

As a business owner, you take calculated risks everyday in order keep your business thriving. But what about the risks you haven’t considered? Business insurance is an excellent way to allow you to concentrate on profit without...

 

Tuesday, March 3, 2020

Of course, because spring is a time for new beginnings, cleaning and organization around the house are very popular this time of year. If you’re ready to tackle that monumental chore, read on for some helpful information. (And...

 

Tuesday, February 25, 2020

Carrying a minimum amount of auto insurance is required by state laws, so you can’t legally drive without it. Yet while the minimum amount keeps your premiums lower, it can also put you at great risk if you have an accident. And...

 

Tuesday, February 18, 2020

Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO also is...

 

Tuesday, February 11, 2020

You keep your home stocked with supplies to use in case of emergency. (Right?) What about your car? During winter, extreme weather and road conditions can lead to all kinds of trouble when you’re traveling — crashes,...

 

Monday, February 3, 2020

I’m borrowing my friend’s car … am I covered? Most people have an idea of what’s covered and not covered under their various insurance policies. But at Brown Insurance Group, we get a lot of questions about...

 

Monday, January 27, 2020

A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason why you treasure a piece of fine jewelry is a reason why it should be insured. However, calling it...

 

Monday, January 20, 2020

Insurance Tips for Millennials You keep your car filled up with gas so you don’t get stranded on the side of the road. And, your phone charged so your loved ones can reach you. But, what kind of safety measures do you have in...

 

Monday, January 13, 2020

The Light Side of Home Security Leaving your lights on — is it really a good way to keep burglars away from your home, or can it actually attract them? Or, is it just a “good” way to increase your electricity bill? As...

 

Friday, January 10, 2020

You mistakenly move into a lane without checking to see if a car is in the next lane or you pass a car without checking for oncoming traffic. The next thing you know, one of the top causes of car accidents has just taken place. What is...

 

Monday, December 30, 2019

With 2019 just finishing up, you typically hear people say "new year, new me". For many people, a new year is a fresh start, a do-over of sorts, that motivates you to try something new or to recommit to those tasks you put on hold....

 

Monday, December 23, 2019

Did you know? The top three days of the year for home candle fires are Christmas, New Year’s Day, and New Year's Eve. Stay safe this holiday season with these home safety tips: Only use decorations that are flame-retardant or not...

 

Monday, December 16, 2019

Help deliver hope and hunger relief to our neighbors in need. Brown Insurance Group is holding a Food Drive and we need your help! We are collecting non-perishable items to provide critical meal assistance to individuals and families...

 

Monday, December 9, 2019

You wake up on a cold winter morning, head into the bathroom or kitchen, turn the faucet and … a trickle. Or, nothing at all.You have a frozen pipe. What do you do now? Better yet, how do you avoid this messy, potentially...

 

Monday, December 2, 2019

To My Dearest Brown Insurance Group, I've missed you this year but I'm back to play! I'll be staying again until Christmas Day. I look forward to reporting to Santa each night. And I hope there will be only clean desks, kindness and...

 

Tuesday, November 26, 2019

An Independent Agent Explains: How Your Insurance May Play a Role in Black Friday Mishaps Scoring a bargain on Black Friday feels great. Not so great? Waiting in long lines. Getting into an altercation with another shopper. Fighting...

 

Monday, November 18, 2019

Friday night patrons of Lakeshore Community Concerts enjoyed a Billboard charting quartet, Sons of Serendip. They won the hearts of the audience with great songs and unique blend of vocals, harp, piano and cello! It was indeed...

 

Monday, November 11, 2019

Millions of Americans will be traveling this holiday season, and if it's anything like previous years, a lot of that travel will be on the road. Last year, AAA estimated that more than 100 million Americans were planning a trip of more...

 

Monday, November 4, 2019

You just never know where you will find your clients! Recently attended the NWI Symphony Orchestra and the chorus as they entertained us with light classical and movie music intermingled with delicious cuisine. The evening concluded...

 

Tuesday, October 29, 2019

Congratulations to our 2019 Munster Red Ribbon Week Poster Contest overall winner, Molly from St. Thomas More School. The contest was sponsored by the Choice Community Council/Munster Police Department (Munster, Indiana). Red Ribbon...

 

Wednesday, October 23, 2019

Jennifer Cosenza, Marketing Director at Brown Insurance Group (Highland, IN) was invited to Facebook at their Headquarters in California for an amazing adventure. She spent three days at Facebook Headquarters with their products,...

 

Monday, October 14, 2019

Decluttering is having a moment these days. Organizing guru Marie Kondo has her own show on Netflix, people everywhere are going through their things and asking, “Does this bring me joy?” and many are even exploring the...

 

Monday, October 7, 2019

Group riding is a favorite activity among many motorcycle riders. Whether you’re part of a riding club, a social event, a charity ride, or out for a leisurely cruise with friends, group riding can be a rewarding way to spend...

 

Tuesday, October 1, 2019

Supporting Your Business with Years of Experience Every business is different, which is why we take the time to understand your unique needs. Brown Insurance Group is a leading commercial insurer with more than a century of experience....

 

Tuesday, September 24, 2019

Fire extinguishers are classified by the type of fire that they will extinguish. There are five different fire extinguishers classifications. If the proper fire extinguisher class is not used there is a risk that the fire will not be...

 

Tuesday, September 17, 2019

Unfortunately, data breaches and other cyber-crimes are becoming very common. In the past couple years, data breaches have resulted in major fines and legal fees – not to mention headaches – for a discount retail chain, one...

 

Tuesday, September 10, 2019

Purchasing homeowner’s insurance is not only critical for protecting your home and personal property against any potential liability; if you have a mortgage, your lender will require it. What’s Covered A homeowner’s...

 

Tuesday, September 3, 2019

More choices, less hassle, and just the right amount of protection. The right insurance is about more than choosing the right company. It's about selecting coverage that fits your specific needs. Brown Insurance Group, your local...

 

Tuesday, August 27, 2019

You Have So Much Worth Protecting Umbrella insurance is the most valuable coverage you've probably never heard of. Yet it's highly likely you need it. And it isn't just for high earners. It's for everyone, especially if you: Own a car...

 

Monday, August 19, 2019

We’re not quite sure where summer went, but if you haven’t noticed, it’s already time to think about the new school year. And as you think about how to get your kids organized and ready, consider doing the same thing...

 

Monday, August 12, 2019

Umbrella Insurance Life is unpredictable. Of course, you already know this. But have you considered all the risks you currently face? Distracted drivers. People using social media to expose others' dirty laundry. Teen drivers, carpools...

 

Tuesday, August 6, 2019

As much as you’ve been waiting for this moment, you’ve been dreading it, too: your teen has passed the state driving test and is now an officially licensed driver. You no longer have to taxi him or her to school, to...

 

Tuesday, July 30, 2019

Looking at a new piece of jewelry? Make sure to look at your insurance, too. Whether it's a gift from someone special or a gift to yourself, a new piece of jewelry can bring some sparkle to your life. However, many people who find...

 

Wednesday, July 24, 2019

What Drivers Need To Know About Motorcycles Summer is here, which means you'll likely see more motorcycles on the road. And the key word here is "see." People driving cars and trucks often fail to notice the motorcyclists around them,...

 

Tuesday, July 16, 2019

ERRORS AND OMISSIONS INSURANCE Errors and Omissions (E&O) insurance has many names. For some healthcare professionals, it’s called malpractice insurance. For lawyers, it may be called professional liability insurance. Whatever...

 

Tuesday, July 9, 2019

A BRIEF GUIDE TO CONDO INSURANCE The ownership structure of a condominium unit is different from that of a single family house. Here’s what you need to know when purchasing insurance for your condo.¹ Understand the Master...

 

Tuesday, July 2, 2019

INSURING YOUR BUSINESS AGAINST CYBER LIABILITY One study found that 43% of cyber-attacks target small business, and 60% of small companies go out of business within six months of a cyber-attack.¹ Business owners are also required...

 

Tuesday, June 25, 2019

THE ABC’S OF AUTO INSURANCE The questions around auto insurance center not so much on whether to have it—it’s mandated by state law, required by your lender, and serves to protect your assets—but what kind of...

 

Tuesday, June 18, 2019

INSURANCE NEEDS ASSESSMENT: WHEN YOU'RE NEWLY MARRIED Marriage changes everything, including insurance needs. Newly married couples should consider a comprehensive review of their current individual insurance coverage to determine if...

 

Thursday, June 13, 2019

Summer is almost here, which means you’ll likely see more motorcycles on the road. And the key word here is “see.” People driving cars and trucks often fail to notice the motorcyclists around them, partly because...

 

Wednesday, June 12, 2019

UNIVERSAL LIFE INSURANCE Universal life insurance is permanent life insurance — that is, it remains in force for your whole life. But universal life insurance has an important difference from other types of permanent insurance:...

 

Friday, February 1, 2019

Whether it’s a gift from someone special or a gift to yourself, a new piece of jewelry can bring some sparkle to your life. However, many people who find themselves victimized by burglars—or a fire or some other...

 

Friday, January 4, 2019

Drafty windows. Leaky faucets. Dirty air filters. All are common issues in homes across the country, and they’re not just annoying—they also cost you money in decreased energy efficiency and higher bills. The U.S....

 

Friday, December 7, 2018

You’re not just imagining it—a lot of people are traveling with their pets these days. According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and 52%...

 

Friday, November 2, 2018

Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up—whether you have a minor breakdown or a major catastrophe, it's almost certainly going to require time and money...

 

Friday, October 5, 2018

Online data breaches are just an unfortunate fact of life now—as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. That's why we recommend...

 

Friday, September 7, 2018

For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard - often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for injuries from...

 

Monday, August 20, 2018

Crunch. Uh-oh... it's the unmistakable sound of a fender-bender. When a car rear-ends you in a parking lot, there's a lot that races through your mind... including, "How much is this going to cost?" Unfortunately, with today's...

 

Friday, July 6, 2018

If you own a boat (or better yet, as the joke goes, you know someone with a boat), you've probably thought about spending some evenings on the water — especially in the summertime. It's a great thought, of course. But, when...

 

Friday, June 1, 2018

Summer's almost here. The sun will come out of hiding, and people will, too. As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and about, whether on...

 

Friday, May 4, 2018

As a homeowner, one of the most important aspects of your home isn't something you use daily. And it isn't something flashy you show off to friends. It's your homeowners insurance policy, and it protects you in more ways than you may...

 

Friday, April 6, 2018

You probably don't think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize—4.5 million occur every year in the U.S., according to the Centers for Disease...

 

Friday, March 2, 2018

Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning—and the invisible, odorless gas sickens thousands more. The numbers seem even more...

 

Friday, February 2, 2018

A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However, calling it "jewelry...

 

Friday, January 5, 2018

You've heard all the talk about driverless cars — but unfortunately, we're still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone). But even...