Generated by All in One SEO v4.9.10, this is an llms.txt file, used by LLMs to index the site. # Bixler Insurance Insure your future by protecting your tomorrows, today. ## Sitemaps - [XML Sitemap](https://bixlerinsurance.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Blog](https://bixlerinsurance.com/blog/) - Blog for Home, Car, and Life Insurance Near Fort Wayne, New Haven, Bluffton, Decatur, & Portland, IN. Homeowners, Renters, and Farm Insurance. Whole Life Insurance, & Senior Insurance Policies. - [What Your Home Insurance Actually Covers (And Where Most Policies Fall Short)](https://bixlerinsurance.com/what-your-home-insurance-actually-covers-and-where-most-policies-fall-short/) - Home insurance covers more than you think — but the gaps can be costly. Learn what standard policies include and where they fall short for homeowners in Fort Wayne, Bluffton, and northeastern Indiana. - [Does Your Car Insurance Actually Cover Hail and Storm Damage?](https://bixlerinsurance.com/does-your-car-insurance-actually-cover-hail-and-storm-damage/) - Hail and storm damage surprises many drivers in Fort Wayne, Bluffton, and across northeastern Indiana. Learn which car insurance coverage you need and act before the next storm hits. - [Affordable Employee Benefits in Berne, IN, Decatur, IN and Nearby Cities](https://bixlerinsurance.com/affordable-employee-benefits-in-berne-in-decatur-in-and-nearby-cities/) - Affordable Employee Benefits in Berne, IN, Decatur, IN Affordable Term Life Insurance, Employee Benefits, Auto Insurance, Business Insurance, Homeowners Insurance, Life Insurance, Term Life Insurance - [Employee Benefits in Berne, IN, Decatur, IN and Surrounding Areas](https://bixlerinsurance.com/employee-benefits-in-berne-in-decatur-in-and-surrounding-areas/) - Employee Benefits in Berne, IN, Decatur, IN Affordable Employee Benefits, Affordable Term Life Insurance, Auto Insurance, Business Insurance, Cheap Business Insurance, Commercial Auto Insurance - [Affordable Employee Benefits in Berne, Geneva, Decatur, Bluffton, IN and Nearby Cities](https://bixlerinsurance.com/affordable-employee-benefits-in-berne-geneva-decatur-bluffton-in-and-nearby-cities/) - Affordable Employee Benefits in Berne, Geneva, Fort Wayne, Decatur, Bluffton, IN Affordable Term Life Insurance, Cheap Business Insurance, Employee Benefits, Life Insurance, Whole Life Insurance - [Employee Benefits in Berne, Geneva, Fort Wayne, Decatur, Bluffton, IN and Surrounding Areas](https://bixlerinsurance.com/employee-benefits-in-berne-geneva-fort-wayne-decatur-bluffton-in-and-surrounding-areas/) - Employee Benefits in Berne, Geneva, Fort Wayne, Decatur, Bluffton, IN Affordable Employee Benefits, Affordable Term Life Insurance, Business Insurance, Commercial Insurance, Life Insurance - [Farm Insurance in Fort Wayne, Decatur, Bluffton, Portland, Woodburn and Nearby Cities](https://bixlerinsurance.com/farm-insurance-in-fort-wayne-decatur-bluffton-portland-woodburn-and-nearby-cities/) - Farm Insurance in Fort Wayne, Decatur, IN, Bluffton, Portland, IN, Woodburn, IN, New Haven, IN Auto Insurance, Builders Risk Insurance, Business Insurance, Homeowners Insurance, Car Insurance - [Cheap Auto Insurance in Fort Wayne, Bluffton, Woodburn, IN, Geneva, IN and Surrounding Areas](https://bixlerinsurance.com/cheap-auto-insurance-in-fort-wayne-bluffton-woodburn-in-geneva-in-and-surrounding-areas/) - Cheap Auto Insurance in Fort Wayne, Bluffton, IN, Woodburn, IN, New Haven, IN, Portland, IN, Geneva, IN Auto Insurance, Business Insurance, Car Insurance, Commercial Auto Insurance, Home Insurance - [Homeowners Insurance in Fort Wayne, Bluffton, New Haven, Geneva, IN and Nearby Cities](https://bixlerinsurance.com/homeowners-insurance-in-fort-wayne-bluffton-new-haven-geneva-in-and-nearby-cities/) - Homeowners Insurance in Fort Wayne, Bluffton, IN, New Haven, IN, Decatur, IN, Portland, IN, Geneva, IN Home Insurance, Auto Insurance, Business Insurance, Farm Insurance, Low Cost Homeowners Insurance - [Business Insurance in New Haven, IN, Fort Wayne, Bluffton, Berne, IN and Surrounding Areas](https://bixlerinsurance.com/business-insurance-in-new-haven-in-fort-wayne-bluffton-berne-in-and-surrounding-areas/) - Business Insurance in New Haven, IN, Fort Wayne, Bluffton, IN, Decatur, IN, Portland, IN, Berne, IN Car Insurance, Cheap Business Insurance, Auto Insurance, Commercial Insurance, Homeowners Insurance - [Builders Risk Insurance in New Haven, Fort Wayne, Bluffton, Berne, IN and Nearby Cities](https://bixlerinsurance.com/builders-risk-insurance-in-new-haven-fort-wayne-bluffton-berne-in-and-nearby-cities/) - Builders Risk Insurance in New Haven, IN, Fort Wayne, Bluffton, Berne, IN, Geneva, IN, Portland, IN Auto Insurance, Business Insurance, Car Insurance, Contractors Insurance, Homeowners Insurance - [Auto Insurance in New Haven, IN, Fort Wayne, Decatur, IN, Berne, IN and Surrounding Areas](https://bixlerinsurance.com/auto-insurance-in-new-haven-in-fort-wayne-decatur-in-berne-in-and-surrounding-areas/) - Auto Insurance in New Haven, IN, Fort Wayne, Bluffton, IN, Portland, IN, Decatur, IN, Berne, IN Builders Risk Insurance, Car Insurance, Business Insurance, Cheap Auto Insurance, Cheap Car Insurance - [Medicare Advantage Plans in Decatur, IN, Portland, IN, Bluffton, IN and Nearby Cities](https://bixlerinsurance.com/medicare-advantage-plans-in-decatur-in-portland-in-bluffton-in-and-nearby-cities/) - Medicare Advantage Plans in Fort Wayne, IN, Decatur, IN, Portland, IN, Bluffton, IN, New Haven, IN, Berne, IN Medicare Supplements, Low Cost Insurance, Whole Life Insurance, Life Insurance - [Life Insurance in Portland, IN, Fort Wayne, IN, Decatur, IN, Berne, IN and Surrounding Areas](https://bixlerinsurance.com/life-insurance-in-portland-in-fort-wayne-in-decatur-in-berne-in-and-surrounding-areas/) - Life Insurance in Portland, IN, Fort Wayne, IN, Bluffton, IN, New Haven, IN, Decatur, IN, Berne, IN Auto Insurance, Business Insurance, Homeowners Insurance, Renters Insurance, Whole Life Insurance - [The Impact of Your Credit Score on Auto Insurance Rates](https://bixlerinsurance.com/the-impact-of-your-credit-score-on-auto-insurance-rates/) - When shopping for auto insurance, you might be surprised to learn that your credit score can play a significant role in determining your premium. Insurers use credit-based insurance scores to assess how likely you are to file a claim, and this can directly impact the cost of your policy. In this blog, we’ll explore how - [How to Reassess Your Life Insurance Needs After a Major Life Event](https://bixlerinsurance.com/how-to-reassess-your-life-insurance-needs-after-a-major-life-event/) - Life is full of changes, and as your circumstances evolve, so do your financial responsibilities. Whether you’re getting married, buying a home, or welcoming a new child, major life events can significantly impact your life insurance needs. 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Liability coverage is a vital component of home insurance that safeguards you against the financial risks associated with accidents or injuries that occur on your property, as well as certain events away from home. Understanding - [Employee Benefits Liability Insurance: Why Your Business Might Need It](https://bixlerinsurance.com/employee-benefits-liability-insurance-why-your-business-might-need-it/) - Providing employee benefits such as health insurance, retirement plans, and other perks is an essential part of attracting and retaining talent. However, administering these benefits comes with a unique set of risks. Mistakes, omissions, or miscommunications in managing employee benefits can result in costly lawsuits or penalties. 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Mistakes, omissions, or miscommunications in managing employee benefits can result in costly lawsuits - [Commercial Auto Insurance in Fort Wayne, IN, Portland, IN, New Haven and Nearby Cities](https://bixlerinsurance.com/commercial-auto-insurance-in-fort-wayne-in-portland-in-new-haven-and-nearby-cities/) - Commercial Auto Insurance in Fort Wayne, IN, Portland, IN, New Haven, IN, Bluffton, IN, Geneva, IN, Decatur, IN Auto Insurance, Cheap Car Insurance, Commercial Insurance, Low Cost Car Insurance - [Car Insurance in Fort Wayne, New Haven, IN, Portland, IN, Decatur, IN and Surrounding Areas](https://bixlerinsurance.com/car-insurance-in-fort-wayne-new-haven-in-portland-in-decatur-in-and-surrounding-areas/) - Car Insurance in Fort Wayne, New Haven, IN, Portland, IN, Decatur, IN, Bluffton, IN, Berne, IN Cheap Auto Insurance, Auto Insurance, Low Cost Car Insurance, Renters Insurance, Homeowners Insurance - [Understanding Open Enrollment: What You Need to Know](https://bixlerinsurance.com/understanding-open-enrollment-what-you-need-to-know/) - Open enrollment is a critical period for selecting or updating your health insurance coverage. 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Surety bonds exist to protect businesses and their customers by assuring that - [Business Insurance in Bluffton, IN, Decatur, IN, Fort Wayne, New Haven, IN, Portland, IN, and the Surrounding Areas](https://bixlerinsurance.com/business-insurance-in-bluffton-in-decatur-in-fort-wayne-new-haven-in-portland-in-and-the-surrounding-areas/) - Business Insurance in Bluffton, IN, Decatur, IN, Fort Wayne, New Haven, IN, and Portland, IN. Commercial Insurance, Farm Insurance, Small Business Insurance, and Renters Insurance. - [Why Every Renter Needs Renters’ Insurance](https://bixlerinsurance.com/why-every-renter-needs-renters-insurance/) - When you're a renter, protecting your valuables from theft and potential damage is of utmost importance. That's why there is renters’ insurance—it helps to make sure that you have the coverage you need if something unexpected happens. 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Keep reading to learn more about how you can make your business thrive in the coming year: Set Realistic Goals Setting realistic goals for - [How to Stay Mindful of Your Health This Holiday Season ](https://bixlerinsurance.com/how-to-stay-mindful-of-your-health-this-holiday-season/) - The holiday season is a time for family, friends, and fun. But it's also a time when our minds can wander from our healthy habits. From overeating to skipping workouts, it's easy to let our health fall by the wayside during this busy time of year. But being mindful of your health doesn't have to - [What You Need in the Event of a Snowstorm  ](https://bixlerinsurance.com/what-you-need-in-the-event-of-a-snowstorm/) - A winter storm can pose many dangers to you and your family. From being stranded in your car to slipping on the ice, it's important to be prepared for anything. Here's a list of things you need to weather a snowstorm: Heavy-Duty Snow Shovel A heavy-duty snow shovel is an invaluable tool - [Is Crop Insurance Necessary During Winter](https://bixlerinsurance.com/is-crop-insurance-necessary-during-winter/) - As a farmer, you may be wondering if crop insurance is necessary for the winter months. The answer is crop insurance is essential to your farming operation, no matter what season it is. Here's why: Helps Farmers Financially if Crops Are Destroyed Crop insurance plays a key role in protecting the investment - [What Does the Rise of Unions Mean for You as a Business Owner  ](https://bixlerinsurance.com/what-does-the-rise-of-unions-mean-for-you-as-a-business-owner/) - The recent rise of unions in the United States has been a hot topic of debate. For business owners, this raise in union membership could have significant implications. In this blog post, we'll discuss what the rise of unions means for business owners and how they can prepare for potential changes. Unions Can - [How to Eat Healthy During the Holidays ](https://bixlerinsurance.com/how-to-eat-healthy-during-the-holidays/) - The holidays are a time for family, friends, and of course, food. While it's important to enjoy all the delicious holiday treats, it's also important to maintain a healthy diet. Here are some tips on how to eat healthily during the holidays! Planning is Key Eating well is an important step on the path - [Protecting Your Pet During an Emergency ](https://bixlerinsurance.com/protecting-your-pet-during-an-emergency/) - As a pet owner, you never want to think about what would happen if your furry friend was injured or caught in a disaster. But it's important to be prepared, just in case. Here are some tips on how to keep your pet safe during an emergency. Make Sure Your Pets Are Wearing Up-to-Date - [What is Loan and Lease Gap Insurance? ](https://bixlerinsurance.com/what-is-loan-and-lease-gap-insurance/) - If you've ever wondered what loan and lease gap insurance is and how it can benefit you, then this blog post is for you. We'll explore what loan and lease gap insurance are, how it works, and why it's something worth considering if you're financing a vehicle. So read on to learn more about this - [Why is Life Insurance So Important  ](https://bixlerinsurance.com/why-is-life-insurance-so-important/) - Everyone should have life insurance, no matter their age or health. It is because life insurance can provide financial support to your loved ones in the event of your death. No one knows when their time will come, so have life insurance in place in case something happens. Different Types of Life Insurance - [How Your Financial History Affects Purchasing a Home](https://bixlerinsurance.com/how-your-financial-history-affects-purchasing-a-home/) - If you’re a potential homebuyer, you’re most likely applying for a home mortgage. A mortgage is a loan you use to purchase a property that you repay (with interest) over time. A loan provider may seize the house if you fail to pay your loan. Many things factor into whether or not you can obtain - [Let's Get Hitched! Wedding and Special Event Insurance  ](https://bixlerinsurance.com/lets-get-hitched-wedding-and-special-event-insurance/) - Special events are exciting—and nerve-wracking—occasions to plan. There are a lot of details to go through when planning the perfect event, but make sure you don’t forget about your special event insurance! You’re going to need a special event insurance policy for the occasion, and your venue may also require you to carry it for - [How to Prevent Deer-Related Auto Accidents  ](https://bixlerinsurance.com/how-to-prevent-deer-related-auto-accidents/) - Fall is mating season for deer, so you may see more deer around the next few months. As they travel around more looking for food and mates, you are at a higher risk of hitting one on the road. Take precautions this fall and look for deer on the road. Following these steps may keep - [Handling Bankruptcy  ](https://bixlerinsurance.com/handling-bankruptcy/) - Are you considering filing for bankruptcy? Bankruptcy allows many individuals and businesses to “start over” with their finances. A judge and the court will examine your assets, liabilities, and debts and determine whether or not you can pay them off. There are different chapters of bankruptcy, so determine what you think will be best for - [All About Advance Directives](https://bixlerinsurance.com/all-about-advance-directives/) - You may have heard the term "advance directives" before, but you're not sure what it means. Advance directives are a set of written instructions that tell doctors and caregivers how you want to be treated if you become unable to make decisions for yourself. This includes things like whether or not you want to be - [Breaking Down Premiums, Deductibles and Liabilities](https://bixlerinsurance.com/breaking-down-premiums-deductibles-and-liabilities/) - When you are looking for insurance, it can be difficult to understand all of the terminology that is used. One of the most important concepts to understand is premiums, deductibles and liabilities. In this blog post, we will break these terms down and explain what they mean for you as a consumer. As an independent - [5 Things to Look for When Buying a House](https://bixlerinsurance.com/5-things-to-look-for-when-buying-a-house/) - When you are buying a house, it is important to be aware of the things that could go wrong. Unfortunately, many people don't think about this until it's too late. That's why it's important to have an insurance policy in place before you buy your house. If something does happen, you will be glad you - [3 Risks to Your Business That You May Have Overlooked](https://bixlerinsurance.com/3-risks-to-your-business-that-you-may-have-overlooked/) - Running a business is always a risk. There are so many things that can go wrong, and it's impossible to predict the future. However, there are some risks that business owners often don't consider. In this blog post, we will discuss three of these risks and how you can protect your business from them. We'll - [What is "Self-Care" and Why Does It Matter  ](https://bixlerinsurance.com/what-is-self-care-and-why-does-it-matter/) - Many of us benefit from practicing self-care even if we don’t realize we’re doing it. Actively practicing self-care can help us deal with stress in healthy ways. It’s important to take time for yourself when you can to just focus on yourself. There are many different forms of self-care from buying a nice little - [Did You Recently Purchase a Secondary Home? What It Means for Your Insurance Policies ](https://bixlerinsurance.com/did-you-recently-purchase-a-secondary-home-what-it-means-for-your-insurance-policies/) - Everyone enjoys a break from busy day-to-day lifestyles with an escape, but what better escape is there than a home away from home? A secondary home, also referred to as a vacation home, is an additional property that a homeowner buys at a different location from their primary residence. These properties are typically found in the mountains, - [The Importance of Your Yearly Dental and Vision Appointments](https://bixlerinsurance.com/the-importance-of-your-yearly-dental-and-vision-appointments/) - Yearly check-ups are vital for your long-term health and well-being. Many people think going to the doctor for their annual check-up is good enough, but you also need to visit the optometrist and dentist! Your dental and vision appointments are also vital for your health. Here are a few reasons why you shouldn’t skimp out - [Brand Awareness and Identity for Your Business](https://bixlerinsurance.com/brand-awareness-and-identity-for-your-business/) - When it comes to promoting your brand, awareness is everything. Creating an identity for your brand is essential to standing out from the competition and connecting with your target audience. But how do you go about doing this? Here are a few key things to keep in mind when creating your brand identity: What - [Mid-Year House Maintenance](https://bixlerinsurance.com/mid-year-house-maintenance/) - Having a house maintenance checklist and keeping up with it can significantly improve the life of your home and can also save you money on repairs later on. Some home maintenance projects are better to do in the summer than in winter. If you plan on doing any work to the exterior of your home, - [How to Blend Working from Home and Working in the Office  ](https://bixlerinsurance.com/how-to-blend-working-from-home-and-working-in-the-office/) - More and more companies have switched to a “blended” office model. This means that employees can work in the office or work from home. Global Workplace Analytics estimates that 56% of workers have jobs that can work remotely. Many of us are already familiar with video calls from our social-distancing days, so a blended office - [Exercise Activities for Summer Wellness ](https://bixlerinsurance.com/exercise-activities-for-summer-wellness/) - There’s an innumerable number of activities you can do during the summer. Exercise is good for your health and exercising outdoors during the summer is even better! You should be getting about 150 minutes of exercise each week. Take some time to focus on your health and wellness with these outdoor-focused activities: Go for - [Going Off Road: Protecting Your Off-Road Vehicle  ](https://bixlerinsurance.com/going-off-road-protecting-your-off-road-vehicle/) - Summer is the time for taking your off-roading vehicle for a spin. Make sure your off-road vehicle is properly insured beforehand! Off-road vehicles usually are not covered under your homeowner’s or auto insurance policy. Even if you are off-roading on your property, you may still need an off-road policy depending on the laws in your - [How Does Valuable Items Coverage Work? ](https://bixlerinsurance.com/how-does-valuable-items-coverage-work/) - Have you ever gone on vacation and worried that your stuff won’t be there when you get home? Your homeowner’s/renter’s insurance may provide coverage for damaged or stolen personal items, but sometimes it’s not enough. This coverage is typically limited to a certain amount of money for standard plans. If you have valuable items and - [You put passion behind your products -- protect them](https://bixlerinsurance.com/you-put-passion-behind-your-products-protect-them/) - You’ve spent a lot of time and money on your products so that they will satisfy consumers. Don’t let that all go south when one defective product or a misinterpreted label goes wrong. If someone claims your product causes injury to their person or damages their property, then you could be held responsible for the - [How to Incorporate Workplace Wellness ](https://bixlerinsurance.com/how-to-incorporate-workplace-wellness/) - The idea of wellness has been steadily growing since the 1960s, but in recent years it has really boomed. Wellness focuses on health in all areas of an individual. Workplace wellness focuses on encouraging healthy behavior so employees are healthier and happier at work. Every company is different and offers different methods of workplace wellness, - [How to Prepare Your Home for Summer](https://bixlerinsurance.com/how-to-prepare-your-home-for-summer/) - Keep your home safe and prevent damage with yearly cleaning and upkeep. Plan maintenance for your house so it stays in better condition for longer. Here are some tips to prepare your home for summer: Clean Your Gutters If you didn’t clean your gutters before the wintertime, it’s time to do it now. Leaves and - [Protecting Your Farm and Ranch](https://bixlerinsurance.com/protecting-your-farm-and-ranch/) - Your farm and ranch aren’t just your business, they’re also your livelihood. That’s why you should make sure they’re protected with the proper coverage. Farm and ranch insurance offers a dual coverage plan that protects both your home and your way of life. Each plan is customizable depending on your needs. Types of Coverages There - [What Your Business Needs for Emergencies ](https://bixlerinsurance.com/what-your-business-needs-for-emergencies/) - You never know when an emergency will happen, and that’s why it’s best to always be prepared. Depending on your location, your business may need to prepare for natural disasters like hurricanes, earthquakes, tornados, severe winter weather, or forest fires. Make Sure You’re Prepared Each business will have different needs during an emergency. It’s best - [Conquer Your Stress](https://bixlerinsurance.com/conquer-your-stress/) - Life is often stressful. Between work, family, and keeping up with other tasks, life can become overwhelming. Here are some tips on how to conquer your stress! Consume a Healthy & Balanced Diet Consuming a healthy & balanced diet takes a big role in how you feel. If you consume too much “junk” or overprocessed - [The Importance of Flood Insurance](https://bixlerinsurance.com/the-importance-of-flood-insurance/) - Homeowners’ insurance and renters' insurance do not cover any damage that is caused by a flood. Everyone should have flood insurance. It’s especially necessary if you live in a designated flood zone or an area that is prone to flooding. It’s always best to make sure you are properly covered with a flood insurance policy. - [Renting a Property? What You Need to Know](https://bixlerinsurance.com/renting-a-property-what-you-need-to-know/) - Renting a property comes with advantages that are often overlooked. You don’t have to worry about home improvements or paying property tax. You can move whenever your lease is up, or if you like the property enough you can sign a new lease. Renting offers plenty of flexibility that owning a property doesn’t. However, there - [Why Your Home-Business Needs A Home-Business Insurance Policy ](https://bixlerinsurance.com/why-your-home-business-needs-a-home-business-insurance-policy/) - Are you starting a home-based business or already have a home-based business? You may want to look further into a home-business insurance plan. Your homeowner’s insurance doesn’t always cover your business property (equipment, technology, files/data), so it’s always best to have a home-business insurance plan to make sure you’re covered for anything that might happen. - [How Does Lifestyle Affect Health?](https://bixlerinsurance.com/how-does-lifestyle-affect-health/) - What you do in your day-to-day life actively affects your health. The foods you eat and the personal choices you make drastically impact how your body feels and functions. Eating processed foods can leave you feeling groggy and frequently tired, whereas healthy food can leave you feeling energized and refreshed. Smokers and habitual drinkers often - [As a Landlord -- Insurance Policies You Need Under Your Belt ](https://bixlerinsurance.com/as-a-landlord-insurance-policies-you-need-under-your-belt/) - If you plan on or are already renting out property that you own, you may want to look into purchasing landlord insurance. Landlord insurance is made so that you don’t suffer any financial loss due to property damage or liabilities. Renting property is a good source of steady income, but you never know when something - [Why Should I Worry About Earthquake Insurance?](https://bixlerinsurance.com/why-should-i-worry-about-earthquake-insurance/) - Earthquake damage can be costly. Depending on the severity and amount of damage, your home may need to be repaired or even rebuilt. Standard homeowners’/renters’ insurance does not cover earthquake damage, so earthquake insurance has to be purchased separately. Earthquake insurance is a good investment for those that live in areas frequently affected by earthquakes. - [Fall in Love with Your Homeowner's Policy ](https://bixlerinsurance.com/fall-in-love-with-your-homeowners-policy/) - If the home is where the heart is, then you should be in love with your homeowner’s insurance. Homeowner’s insurance is an essential part of keeping your home and your most important asset safe. It financially protects your home and your personal belongings in the event they are stolen or damaged. Why You Need a - [Does your business have a company car? If so, is it insured properly? ](https://bixlerinsurance.com/does-your-business-have-a-company-car-if-so-is-it-insured-properly/) - If you own a company that has a company car or uses cars for work-related purposes, then you will need to purchase a commercial auto insurance policy. These insurance policies will keep your company covered in the event something happens to your company vehicle(s) or an accident occurs that requires medical coverage. What is Commercial - [Fact Check: Can Chocolate Actually Be Good for You? ](https://bixlerinsurance.com/fact-check-can-chocolate-actually-be-good-for-you/) - Chocolate, a Valentine’s Day staple for many people, has a long and rich history. Cocoa farming dates back nearly 2,500 years when the Olmec and Mayan people began cultivating the crop to infuse into a hot beverage called “Xocolatl.” These cocoa-based drinks, referred to as “the drink of the gods,” were believed to improve stamina - [How Does Boating Insurance Protect My Boat? ](https://bixlerinsurance.com/how-does-boating-insurance-protect-my-boat/) - If you're like most boat owners, you want to do everything possible to protect your investment. And if you're like most people, you may not know what boating insurance covers. That's why we're here to help! In this blog post, we'll discuss the different types of coverage that are available through boat insurance policies and - [Ice Damage & Homeowners Insurance: What You Need to Know ](https://bixlerinsurance.com/ice-damage-homeowners-insurance-what-you-need-to-know/) - Ice damage can be a major problem for homeowners. Not only is the damage itself costly to repair, but the insurance claims process can be complicated and frustrating. In this blog post, we will answer some of the most common questions about homeowners insurance and ice damage. We will explain what kinds of ice damage - [Travel Insurance 101 ](https://bixlerinsurance.com/travel-insurance-101/) - As you plan your trip, it is important to consider getting travel insurance, especially for more expensive vacations. To better understand what travel insurance offers, we will discuss the various ways to get travel insurance, the types of coverage travel insurance can offer, and why you should budget for travel insurance on your next big - [Four Tips to Safeguard Your Business Against Flood Damage ](https://bixlerinsurance.com/four-tips-to-safeguard-your-business-against-flood-damage/) - There are plenty of things to worry about if you own a business – there are customers to attend to, employees to manage, transactions to record, and future plans to be made. With all of these things on your plate, the possibility of a flood may be the last thing on your mind, but flooding - [Three Realistic Health Goals to Set for 2022 ](https://bixlerinsurance.com/three-realistic-health-goals-to-set-for-2022/) - As the ball drops on New Year’s Eve and we usher in 2022, many of us will consider goals and aspirations for the coming year. Often, we set unrealistic goals that are difficult to achieve, ultimately resulting in another year of failed resolutions. Instead of setting goals like losing twenty pounds, focus on goals that - [Retire with Confidence: 3 Comforting Facts About Annuities ](https://bixlerinsurance.com/retire-with-confidence-3-comforting-facts-about-annuities/) - It can be difficult planning for a future we cannot see. With the many financial products all aimed at fulfilling a financially “easy'' retirement, how do we know which options are best? Will there be enough money to continue the same lifestyle or to at least pay the bills? Without a crystal ball, the financial - [How to Keep Your RV Protected in Winter ](https://bixlerinsurance.com/how-to-keep-your-rv-protected-in-winter/) - With winter right around the corner, it's time to start preparing for cold temperatures and snow. One of the things you may not have considered is what to do with your RV if it will be parked outdoors during these months. The good news is that there are a few easy steps you can take - [Five Goals for Your Small Business in Q1 2022 ](https://bixlerinsurance.com/five-goals-for-your-small-business-in-q1-2022/) - As 2021 draws to a close, it is time to begin implementing a strategy for the first quarter of 2022. Due to the increasing economic turbulence, we have experienced over the past two years, successful businesses must embrace flexibility – setting quarterly goals can help keep you on track for your bigger long-term aspirations. Here are five - [Protect Your Identity During the Holiday Shopping Season](https://bixlerinsurance.com/protect-your-identity-during-the-holiday-shopping-season/) - Most thieves aren’t lurking in dark alleys this holiday, but instead sitting comfortably at home drinking hot cocoa while stealing your identity. In 2020, the most by-category complaint filed with the FTC was identity theft, and the annual case rate and losses are expected to increase for 2021. Here are three big tips on how to - [General Liability: What Does It Really Mean? ](https://bixlerinsurance.com/general-liability-what-does-it-really-mean/) - When looking into insurance for your business, one coverage you will often see is general liability. Now, what makes it general liability is the vast amount of items it covers in the policy, which we will cover a bit later. To emphasize why general liability policies are recommended for businesses, both big and small, the average cost of a slip and fall claim - [5 Surprising Things You Might Not Know Your Home Insurance Covers ](https://bixlerinsurance.com/5-surprising-things-you-might-not-know-your-home-insurance-covers/) - Having the right home insurance policy will protect your home and belongings, and additionally cover your liability exposure from owning a home. You are probably aware of the typical events that home insurance covers, such as vandalism, fires, fallen trees, wind damage, or even lightning strikes. However, not all natural events are covered by all - [7 Tips to Prepare Your Vehicle for Winter](https://bixlerinsurance.com/7-tips-to-prepare-your-vehicle-for-winter/) - With winter on the way, it is the perfect time to prepare your vehicle for the rough and rugged colder months. Here are 7 tips to keep your ride road-ready: 1) Tires Make sure you have proper inflation according to the manufacturer’s recommendations. Once you are sure you are at the correct psi for each - [Top 5 Health & Safety Risks to Avoid This Holiday Season ](https://bixlerinsurance.com/top-5-health-safety-risks-to-avoid-this-holiday-season/) - Holidays are supposed to be about sharing good times with family and friends, so we’ve gathered some tips for how to avoid the biggest risks to your season of cheer. Illness Transmissible viruses are the biggest risk when celebrating the holidays. Avoiding people when sick is key, but sometimes it is accidental or unavoidable. Washing - [Insurance Claims: The Spookiest Part of Halloween?](https://bixlerinsurance.com/insurance-claims-the-spookiest-part-of-halloween/) - October is a magical time of year. Crisp Autumn mornings, the changing colors of the leaves, and the massive displays in stores are all signs of one thing: Halloween is drawing near. While ghosts, ghouls, and goblins may be frightening enough, what if we told you there are many more things to fear on Halloween? - [Sugar Rush: How Does Too Much Candy Affect Your Body?](https://bixlerinsurance.com/sugar-rush-how-does-too-much-candy-affect-your-body/) - We all know that sugar is not good for our bodies, but the scary repercussions do not seem to be fully realized when we look at American culture. Many of our holidays revolve around food, and, particularly and not coincidentally, processed and refined foods such as candy. Americans love candy and purchase around twenty-four pounds - [6 Reasons to Insure Your All Terrain Vehicle (ATV)](https://bixlerinsurance.com/6-reasons-to-insure-your-all-terrain-vehicle-atv/) - Blazing trails on your ATV out in the fresh, clean, country air is an indescribable joy that can only be felt. Thinking about insurance against damages and injuries is no joy, but it is a hill that you and your agent need to charge over together so that you can continue doing what you love. - [The 3 Most Costly and Unimaginable Business Claims](https://bixlerinsurance.com/the-3-most-costly-and-unimaginable-business-claims/) - Insurance is all about risk mitigation, not risk elimination. Risk is something that is always there. Without anticipating it, more than 40% of small businesses will see a property or liability loss within the next decade. Knowing this, the responsible question from any business owner is, “do I have sufficient coverage?” The most expensive claims - [Bundle Up! What It Means to Bundle Your Insurance Policies ](https://bixlerinsurance.com/bundle-up-what-it-means-to-bundle-your-insurance-policies/) - Bundling up isn’t just for winter - it is also a way to save on your insurance premiums. What happens when you have a lot of coverages but don’t bundle them? You end up with many confusing pieces of paperwork, and you could be spending more money than you need. Do you have different policies - [Important Tips for Your Roof Inspection](https://bixlerinsurance.com/important-tips-for-your-roof-inspection/) - Your roof is your home’s first line of defense from the natural elements such as rain, hail, snow, and debris. Even a small crack can cause extensive damage, so it is a good idea to conduct routine roof checks. This helps keep your home and family safe, while also ensuring you have documentation of professional - [What Kind of Insurance Do Web-Based Businesses Need?](https://bixlerinsurance.com/what-kind-of-insurance-do-web-based-businesses-need/) - With an increasing number of consumers shopping for goods and services online, digital businesses have been able to experience tremendous growth. But as a company takes on more orders, clients, and staff, the owner’s liability also increases. You can protect yourself and your investment in your business through certain types of insurance. Even though your - [Five Ways Walking Daily Can Change Your Life](https://bixlerinsurance.com/five-ways-walking-daily-can-change-your-life/) - The Center for Disease Control recommends taking 10,000 steps per day to maintain good health. This is the equivalent of about five miles, but the average American only takes about 3,000 to 4,000 steps or 1.5 to 2 miles per day with a moderately active lifestyle. The best and simplest way to increase your daily - [Small Business Owners: What Kind of Insurance Should You Offer to Employees? ](https://bixlerinsurance.com/small-business-owners-what-kind-of-insurance-should-you-offer-to-employees/) - Understanding what types of insurance to offer your small business’s employees can feel like a challenge. However, this is a great problem to have! It means you as the owner has done a wonderful job growing the company and adding new staff members to your dedicated team. Health insurance benefits are a major way to - [Seven Ways to Make Dental Health Fun for Kids ](https://bixlerinsurance.com/seven-ways-to-make-dental-health-fun-for-kids/) - Cavities are one of the most common chronic diseases affecting children today, but the good news is they are almost completely preventable. According to the Center for Disease Control, about one-third of all cavities can be prevented by fluoride varnish, which children can obtain from dental applications, fluoride-treated water, and toothpaste containing fluoride. Below, we - [Buying a Fixer-Upper? Here's What You Need to Know About Insuring It](https://bixlerinsurance.com/buying-a-fixer-upper-heres-what-you-need-to-know-about-insuring-it/) - If you are looking into buying a home, you may be experiencing a bit of a hard time due to the current circumstances of the housing market. Buying a fixer-upper can sometimes provide a shortcut to homeownership, whether you are a first-time homeowner or buying your next home. With the low inventory but high demand for homes, the difficulty of obtaining a home has increased, especially on a budget. This - [Beyond the Commute: How to Ensure Your Business Vehicles are Covered](https://bixlerinsurance.com/beyond-the-commute-how-to-ensure-your-business-vehicles-are-covered/) - Insurance companies typically view individuals who drive a vehicle as part of their daily job as high-risk drivers. This is because they are simply on the road more frequently than the average commuter. If you own a business that requires employees to travel outside of their daily commute to the office or offer company-titled vehicles, - [What Insurance Do I Need for a Vacation?](https://bixlerinsurance.com/what-insurance-do-i-need-for-a-vacation/) - Vacations are wonderful opportunities to relax, explore new places, and enjoy time spent with family and friends. But as you prepare for time away from home, it is important to have the proper insurance policies set up in advance. While you hope to never need them, these types of insurance can help you rest easy - [Proper Pool Safety While Enjoying the Summer Season](https://bixlerinsurance.com/proper-pool-safety-while-enjoying-the-summer-season/) - Cooling off in the pool is one of the most fun ways to beat the summer heat. But before you jump in, there are a few safety tips to keep in mind. Many of these suggestions are geared towards your children or young family members, but it is up to you to enforce them and - [Flood Insurance FAQs](https://bixlerinsurance.com/flood-insurance-faqs/) - According to the Federal Emergency Management Agency (FEMA), floods are the most commonly occurring natural disaster in the U.S. However, most standard homeowners policies do not offer coverage for damages from flooding. When considering whether or not you need flood insurance, there are a few questions you will want to ask. Below, we outline those - [How Your Insurance Needs Change As Your Business Grows](https://bixlerinsurance.com/how-your-insurance-needs-change-as-your-business-grows/) - For many small businesses looking to retain top-quality staff while maintaining a tight budget, employee benefits are an excellent place to start. You may start your business with only a handful of people. If you have between one and 50 employees, you may be eligible for small business health insurance. But as your organization grows - [Five Unexpected Situations Where Travel Insurance Protects You](https://bixlerinsurance.com/five-unexpected-situations-where-travel-insurance-protects-you/) - There are probably many things on your mind as you prepare for your next vacation. From packing the proper clothes to booking flights and tours, your pre-trip to-do list can feel like it will never end. One task that should be at the top is obtaining travel insurance - but many people do not understand - [Six Things to do After a Home Robbery](https://bixlerinsurance.com/six-things-to-do-after-a-home-robbery/) - Imagine coming home after dinner and a late movie showing, only to find your windows shattered and belongings scattered across the house. You know it is very clear that you have been robbed, but you do not know when this happened, what has been taken, and if the intruder is still inside. Your first priority - [Seasonal Sun Safety](https://bixlerinsurance.com/seasonal-sun-safety/) - As the days grow longer and warmer, you may find yourself soaking in the sunshine for a few more hours each day. This has many health benefits, from improving your mood to increasing your vitamin D absorption, but there is a key caveat - you must protect your skin against sun damage. Here are four - [Home Maintenance to Prepare for Summer ](https://bixlerinsurance.com/home-maintenance-to-prepare-for-summer/) - Summer is beginning to peek its head around the corner and it’s time to get your home ready for the summer heat! You should have maintenance upkeeps throughout the year, but summer is going to be our main focus in this blog. By starting your maintenance early, around mid to late May, you can bring down energy bills, improve the efficiency - [Protecting Your Business in the Event of a Tornado](https://bixlerinsurance.com/protecting-your-business-in-the-event-of-a-tornado/) - The Spring season may bring the rain showers and flower blooms we have come to associate with this time of year, but the constant change in temperatures and air pressure also has another effect - tornadoes. Certain parts of the U.S. are at higher risk for tornadoes, even being called “Tornado Alley,” but they can - [Four Ways Motorcycle Safety Doesn’t Compromise Fun](https://bixlerinsurance.com/four-ways-motorcycle-safety-doesnt-compromise-fun/) - Feeling the wind as you ride your motorcycle down a winding mountainside can certainly be exhilarating. Riding is an activity that combines mindfulness, adventure, and nature in a way that is uniquely distinct from simply driving a car. Unfortunately, according to the Insurance Institute for Highway Safety, a motorcyclist who crashes is 30 times more - [Five Tips for Home Fire Preparation and Safety](https://bixlerinsurance.com/five-tips-for-home-fire-preparation-and-safety/) - As a homeowner, you hope never to encounter a fire on your property. Home fires are a common occurrence, taking place about every 93 seconds. Therefore, it is vital to prepare a fire safety plan, should the unexpected arise. Here are a few tips to ensure you and your family are ready in the event - [Why Do I Even Need Insurance? ](https://bixlerinsurance.com/why-do-i-even-need-insurance/) - Once you enter the workforce and become a true working adult in society, words like 401K and insurance can become a little overwhelming. You may ask yourself; do I even need insurance? The simple answer is yes! Getting insurance is a way of managing all of the potential risks life forces us to face. You have worked hard throughout your life, and it's important - [Are Your Valuables Protected? Five Possessions You Might Not Know Should Be Insured](https://bixlerinsurance.com/are-your-valuables-protected-five-possessions-you-might-not-know-should-be-insured/) - While you hope never to experience a theft or home invasion, there are unfortunately about 2.5 million burglaries annually in the U.S. According to the FBI, this equates to one burglary every 30 seconds. A standard homeowner’s insurance policy covers personal items such as jewelry and artwork, but most policies have a limit of $1,000 - [What Kind of Insurance Protects You Against a Lawsuit? ](https://bixlerinsurance.com/what-kind-of-insurance-protects-you-against-a-lawsuit/) - Whether on the road or at home, you do what you can to keep yourself and those around you safe. But accidents happen — and sometimes they can lead to pricey lawsuits. Have you ever considered what you’d do if you were sued for something like accidentally injuring a guest on your property or being - [Should I Pay My Auto Insurance Premium Monthly or Annually? ](https://bixlerinsurance.com/should-i-pay-my-auto-insurance-premium-monthly-or-annually/) - When it comes to automotive insurance, you may find yourself faced with multiple decisions to make. Should you choose a high or low deductible plan, minimum or maximum coverage, or pay premiums monthly versus an annual lump sum? Although there is truly no wrong answer, it is important to ensure you have the best possible - [Why Does Your Business Need Cyber Liability Insurance?](https://bixlerinsurance.com/why-does-your-business-need-cyber-liability-insurance/) - In the past, most businesses retained their data either in a hard copy format, such as paper records and files, or on a private computer server that was stored within their building. However, cloud-based software has exploded in recent years. It offers affordable and scalable methods for data management to companies of all sizes. The - [Hiking & Camping Safety: Staying Safe in Nature this Spring](https://bixlerinsurance.com/hiking-camping-safety-staying-safe-in-nature-this-spring/) - One of the most beautiful aspects of nature is that it is ever-changing. You and your family may visit a National Park in the summer, only to return in the winter and discover completely new surroundings. This can be exciting, but it also means nature presents its own unpredictable challenges. When traveling and planning outdoor - [Spring Forward to Auto Safety ](https://bixlerinsurance.com/spring-forward-to-auto-safety/) - As the temperatures begin to rise, it can be tempting to take long drives with the windows down or plan vacations to other cities and states. But is your car protected and prepared for more hours spent on the roads? By doing a tune-up on your car, and ensuring your auto insurance is updated, you - [Understanding Cardiovascular Disease and What It Means ](https://bixlerinsurance.com/understanding-cardiovascular-disease-and-what-it-means/) - According to the American Heart Association in a 2019 study, nearly half of all adults in the United States - 48% to be exact - have some form of cardiovascular disease. The term “cardiovascular disease” is used to refer to a number of conditions, including heart disease, heart attack, stroke, heart failure, arrhythmia, and heart - [How to Utilize Life Insurance for Your Retirement ](https://bixlerinsurance.com/how-to-utilize-life-insurance-for-your-retirement/) - When it comes to planning your retirement, a lot of agents will highly recommend that you invest in a permanent life insurance policy. In truth, this may not be the best move for you. The permanent life insurance policy is intended for individuals who have obtained a net worth of at least $11.7 million threshold as of 2021, in which federal estate taxes will kick - [Buying, Building, or Renovating a Home? 5 Things to Know About Insuring Your Investment](https://bixlerinsurance.com/buying-building-or-renovating-a-home-5-things-to-know-about-insuring-your-investment/) - The process of owning a new home can be exciting, especially for a first-time buyer. But it can also be challenging to navigate, especially when trying to figure out the right types of insurance you’ll need. Here are five things you’ll want to keep in mind as you choose how to insure your investment. Insure - [How to Protect Yourself from a Slip, Trip, or Fall ](https://bixlerinsurance.com/how-to-protect-yourself-from-a-slip-trip-or-fall/) - Slips, trips and falls are the number 3 cause of accidental death in the United States, right behind motor vehicle accidents. No matter where you are in the world, if you are indoors or outdoors, you can experience a slip or fall. Slips and falls can naturally happen indoors when going up stairs or walking on wet hardwood or uneven flooring, but they are more common - [Understanding Employee Practices Liability ](https://bixlerinsurance.com/understanding-employee-practices-liability/) - Employee Practices Liability, often referred to as EPLI, covers businesses against claims by workers that their legal rights as employees of the respective company have been violated. There has been a considerably large rise of lawsuits employees have been putting against their employers. Traditionally, most lawsuits are filed against larger corporations such as Walmart or - [How to Prevent Cold Weather Injuries  ](https://bixlerinsurance.com/how-to-prevent-cold-weather-injuries/) - Many people in the world still have jobs and positions that require them to complete work outside no matter the weather. Worker’s compensation benefits were indoctrinated to help protect those who work in labor intensive positions. While we can lean on the workers' compensation benefits to cover work-related injuries, it is in everyone’s best interest to try and avoid all potential harm that could occur. Winter - [Applying for Disability: What You Need to Know ](https://bixlerinsurance.com/applying-for-disability-what-you-need-to-know/) - Applying for disability can be a scary situation to be put in. The government has two different programs that are set in place to help assist those who are now needing disability assistance. If you are newly disabled, you may be wondering if you qualify for financial assistance from the Social Security Administration (SSA). The two programs are known as - [Driving Safely in Winter-Like Conditions ](https://bixlerinsurance.com/driving-safely-in-winter-like-conditions/) - Prepare Your Vehicle In addition to the annual tune-up and maintenance your vehicle undergoes, there are more small things you can do to help winterize your vehicle in anticipation of the winter months. Below are a few tips to help you protect your vehicle: Test your battery; battery power drops as the temperature drops Check the tire pressure; tire pressure drops as - [New Year Means New Insurance Coverages  ](https://bixlerinsurance.com/new-year-means-new-insurance-coverages/) - It’s another new year and everyone is listing off their new year resolutions. Many people forgo an important resolution that should beat out going to the gym weekly or eating a cleaner diet. What is this resolution that should beat out all the typical goals? Reviewing your insurance coverages. This is a resolution that you should - [Protecting Your Pet During the Holiday Season](https://bixlerinsurance.com/protecting-your-pet-during-the-holiday-season/) - The holidays are full of excitement and celebrations with family and friends. While getting ready for the festivities, meals, and decorating time that is planned can create excitement for you and your furry friends, there are several things to watch out for. As their owner, it’s important to consider how things like festive plants, lighting, - [Are You Getting the Most Out of Your Life Insurance Policy? ](https://bixlerinsurance.com/are-you-getting-the-most-out-of-your-life-insurance-policy/) - Life insurance policies can be confusing. There seem to be endless different options, plans, and policies to choose from. You might have simply selected the cheapest life insurance policy because you didn't fully understand your options. Maybe you selected a pricier policy because “You pay for what you get!” If these describe you, you might - [Space Heater Safety Tips to Avoid House Fires](https://bixlerinsurance.com/space-heater-safety-tips-to-avoid-house-fires/) - People across the nation are breaking out their winter jackets, scarves, and gloves to prepare for the winter months that are upon us. Keeping warm during winter is important for everyone, so it is likely that many people are grabbing their space heaters as well. While a space heater can be a useful tool during - [5 Reasons to Be Thankful for Your Independent Insurance Agent](https://bixlerinsurance.com/5-reasons-to-be-thankful-for-your-independent-insurance-agent/) - As we get closer to the time of celebration and being grateful, it’s a good time to think about all you are thankful for. One thing that may not always come to mind is your independent insurance agent! When looking into getting your own set of insurance policies, no one else is going to have - [Ins and Outs of the Business Owner’s Policy](https://bixlerinsurance.com/ins-and-outs-of-the-business-owners-policy/) - If you own a business, you may be familiar with the term Business Owner’s Policy, otherwise known as a BOP. This policy combines business property and business liability insurance into one business insurance policy. The intention of a BOP is to help cover your business from claims resulting from things like fire, theft, or any - [Umbrella Insurance: What’s Covered Under the Umbrella?](https://bixlerinsurance.com/umbrella-insurance-whats-covered-under-the-umbrella/) - Umbrella insurance, usually referred to as excess liability insurance, is a form of personal liability insurance that covers claims in excess of regular homeowners, auto, or watercraft policy coverage. An umbrella insurance policy is put in place to help the policyholder pay what they owe. To put it in simple terms, if a dollar limit - [Protecting Your Vacant Property](https://bixlerinsurance.com/protecting-your-vacant-property/) - The first question that you may be asking yourself is, “When will I ever have a vacant property?” It’s surprising how common owning a vacant property is. There are four common scenarios where you may have possession of a vacant property: You own rental properties and are between tenants You’ve moved for a new job - [Identity Theft Protection](https://bixlerinsurance.com/identity-theft-protection/) - We are living in an almost fully digital world and it’s becoming more of a challenge to protect yourself online. In order to protect your personal data against the growing identity thieves, it’s important to take steps to minimize your odds of being victimized. The overall goal with these steps is to build as many - [What to Expect from a Home Inspection](https://bixlerinsurance.com/what-to-expect-from-a-home-inspection/) - Home inspections are a visual assessment of a home’s physical structure and mechanical systems. This includes the roof, ceiling, walls, floors, windows, and doors. The home inspector has a list of items to go through while checking the home. They will typically check if major appliances remain functional, check the heating and air-conditioning system, look - [Planning for Retirement](https://bixlerinsurance.com/planning-for-retirement/) - The first step in planning your retirement is thinking about retirement goals and how long you have to meet those goals. Next on the list is to look at the different types of retirement accounts that are available for you to help accumulate the money needed to fund your future. As this money is saved, - [Preparing Your Car for Winter](https://bixlerinsurance.com/preparing-your-car-for-winter/) - With the cooler months slowly setting in, parts of the country are going to start seeing the first traces of snow, sleet, freezing rain, and ice forming over the roads. This can create added challenges to our daily lives, the most important being safe car operation. You can increase your driving safety during these months - [5 Tips for Halloween Decor Safety](https://bixlerinsurance.com/5-tips-for-halloween-decor-safety/) - As Halloween approaches, people everywhere are beginning to decorate their houses and front yards as haunted mansions and deserted graveyards. While it is easy to go all out (because who doesn’t love spooky Halloween decorations?), it is important to consider potential safety threats that exist when using significant amounts of electricity to power your decorations. - [Why You Should Avoid Sugary Drinks](https://bixlerinsurance.com/why-you-should-avoid-sugary-drinks/) - Many American families consume sugary drinks like soda, energy drinks, sweetened coffee, or fruit juice on a daily basis but do not fully realize the effects these beverages have on their health. In addition to contributing to weight gain, type 2 diabetes, and increasing the risk of heart disease, drinking sugary drinks also has detrimental - [When Is the Best Time to Buy a Car?](https://bixlerinsurance.com/when-is-the-best-time-to-buy-a-car/) - Trying to pinpoint the best time to buy a car can be a little tricky because the timing all completely depends. Depends on what? The market for cars isn’t a written guideline and trying to determine the perfect time to buy will depend on who you ask and when. When beginning your search, it’s a - [Your Autumn Home Maintenance Checklist](https://bixlerinsurance.com/your-autumn-home-maintenance-checklist/) - Fall is getting closer as the temperature has begun to feel a little cooler. While the leaves are beginning to change colors, people are beginning to enjoy carving pumpkins and drinking warm apple cider. Before fully diving into fall activities, make sure that you have prepared your home for the incoming cold winter months. Sealing - [4 Types of Insurance Every Person Should Have](https://bixlerinsurance.com/4-types-of-insurance-every-person-should-have/) - They say that there is insurance for everything, no matter what the insurance is actually covering. Purchasing the right insurance and the amount of it you need will always be determined by factors in your unique situation. These factors are usually children, age, lifestyle, and employment benefits. With the vast variety of insurance coverage out - [5 Simple Exercises to Do at Home](https://bixlerinsurance.com/5-simple-exercises-to-do-at-home/) - Not everyone is able to work out in a gym. This could be because of lack of time or some may find it difficult to commit to a gym. Working out at your place of residence may be an easier way to get in your daily exercise. It’s important to work out and keep your - [How Does My Car Affect My Car Insurance?](https://bixlerinsurance.com/how-does-my-car-affect-my-car-insurance/) - While shopping around for car insurance, it’s important to know all the different factors that go into the price of your premium. Car insurance companies collect information on your vehicle, as well as additional factors, to help determine how much you need to pay for insurance. To speak specifically on the automotive factors, the insurance - [Starting a Business - What Insurance Do You Need?](https://bixlerinsurance.com/starting-a-business-what-insurance-do-you-need/) - Taking the leap into a new business venture is ambitious and thrilling. It’s basic industry knowledge that new businesses fall into sticky situations sometimes. As you start your business, it’ll be important to cover yourself and your team for the potential risks that come with it. Keep in mind that if you don’t have insurance - [Don’t Just Enjoy Your Classic Car - Protect It](https://bixlerinsurance.com/dont-just-enjoy-your-classic-car-protect-it/) - Classic, collectible or antique cars are not ordinary, everyday cars. This means that general auto insurance cannot fully protect this type of vehicle against damage or loss. There is not a book definition of a classic car. If a car’s value exceeds its original selling price, then it might be considered collectible and a candidate - [All Items Have Value - Here’s How To Protect Them](https://bixlerinsurance.com/all-items-have-value-heres-how-to-protect-them/) - It’s no contest that your home is considered your most valuable possession. This is also one of the most vulnerable items in your possession. From weather accidents to flooding to property mishaps, damage can be easily done. It’s not just the outside of your home that will sustain the damage; your possessions inside will also - [Protecting Your Furry Family Member - 5 Reasons To Get Pet Insurance](https://bixlerinsurance.com/protecting-your-furry-family-member-5-reasons-to-get-pet-insurance/) - Our pets are more than companion animals - they’re our family members. They live in our homes, sleep in our beds, and some people celebrate a pet’s, and even involve them in wedding ceremonies. Pets have become irreplaceable and hold such a huge value for the modern family. So when they get sick, we will - [Hospital Expense Coverage and Why You Should Have It](https://bixlerinsurance.com/hospital-expense-coverage-and-why-you-should-have-it/) - Living in a world with constant hustle and bustle can lead to accidents or illnesses occurring at the most inconvenient times. This could cause you to need to visit the hospital. You may be thinking, “If I have insurance through my employer, I don’t need any additional services.” But what if we told you that - [Supplemental Health Insurance - What Options Are Out There?](https://bixlerinsurance.com/supplemental-health-insurance-what-options-are-out-there/) - When shopping around for general health insurance, you’ve probably come across the term supplemental health insurance. Most will go with the overall health coverage and be done with the search, but what if something happens that isn’t covered by your overall care? That’s why supplemental health care options are created and offered - to cover - [Do You Really Need Boating Insurance?](https://bixlerinsurance.com/do-you-really-need-boating-insurance/) - With Summer officially starting, many people are beginning to hit the water. Are you looking to purchase a powerboat or a sailboat to use this summer? If you are, there is a good chance that you are looking into boat insurance as well. Did you know that only two states, Arkansas and Utah, legally require - [3 Reasons You Need Contractors Insurance](https://bixlerinsurance.com/3-reasons-you-need-contractors-insurance/) - With DIY products and ambitious projects widely available online in posts and videos, more and more people are taking a swing at becoming a contractor in their spare time. For some, it becomes more than just a hobby. Working as a contractor may be more fulfilling for you than working a regular 9 to 5 - [Flood Preparation Before Disaster Strikes ](https://bixlerinsurance.com/flood-preparation-before-disaster-strikes/) - As we enter the “flooding season,” no home is completely safe from the potential of flooding. Just one inch of water in a home can cost more than $25,000 in damage. but flood insurance can be the difference between recovery and financial devastation. Did you know that floods are the most common and costly natural - [Choosing Auto Insurance that’s Right for You](https://bixlerinsurance.com/choosing-auto-insurance-thats-right-for-you/) - These days we’ve seen an influx of people choosing to travel rather than buy material things. It’s about the experiences over physical objects. Usually, choosing a car would result in hours of research, test-driving and multiple visits to different car lots. You got the car and you’re all set to hit the road, right? Being - [Why Do I Need Renter’s Insurance?](https://bixlerinsurance.com/why-do-i-need-renters-insurance/) - If you are planning to move out on your own for the first time or maybe you are renting a room, chances are you’re going to need to invest in renter’s insurance. Only a staggering 41% of renters actually have renter’s insurance. Some building managers require tenants to get renters insurance, but many don’t. Just - [It’s Motorcycle Safety Awareness Month - How Can You Be Safe On The Road?](https://bixlerinsurance.com/its-motorcycle-safety-awareness-month-how-can-you-be-safe-on-the-road/) - May is known as Motorcycle Safety Awareness Month. Did you know that motorcyclists are much more vulnerable to crashes than other drivers? According to NHTSA, there were 5,172 motorcyclists killed in motor vehicle traffic crashes – a decrease of 3 percent from the 5,337 motorcyclists killed in 2016. Motorcycle safety is becoming a growing concern. - [Treehouses & Trampolines: What’s Insured in Your Outdoor Space](https://bixlerinsurance.com/treehouses-trampolines-whats-insured-in-your-outdoor-space/) - Backyard fun may come at a cost, but that doesn’t mean you should avoid splurge purchases like trampolines and treehouses altogether. Ultimately, it’s a family decision, partly based on feedback from your pediatrician on risk vs. benefit, and partly based on whether your spirit for adventure outweighs your concern for a potential accident. It’s also - [6 Things to Know About Aging Out of Your Parents’ Health Insurance](https://bixlerinsurance.com/6-things-to-know-about-aging-out-of-your-parents-health-insurance/) - The Affordable Care Act allows young adults to avoid high premiums and retain health insurance coverage as a dependent on their parents’ health insurance plans. What age you get the boot and need to insure yourself varies. The ACA states that you lose coverage from your parents’ plans at age 26. Some states, like New - [Giving Back to Your Employees: Why a Great Benefits Package Matters](https://bixlerinsurance.com/giving-back-to-your-employees-why-a-great-benefits-package-matters/) - Ray Silverstein, president of small business advisory group President’s Resource Organization, has said that there are specific benefits that good employees expect out of a job. Entrepreneur published his perspective that while medical insurance is at the top of that list of expectations, business owners should also be intentional about offering employees retirement plans, disability - [What Does It Mean to Be Financially Literate?](https://bixlerinsurance.com/what-does-it-mean-to-be-financially-literate/) - April has been Financial Literacy Month since 2004, when the Senate passed a resolution aimed at helping the public see just how important it was to pursue financial education. A person who is financially “literate” knows how to budget, knows how to invest, and knows how to manage long-term finances. In general, you can consider - [Awareness and Safety Amid COVID-19](https://bixlerinsurance.com/awareness-and-safety-amid-covid-19/) - The world has been filled with chaos and worry amid the coronavirus outbreak that has affected many people around the world. In response to the virus, many businesses have been forced to shut down and states have begun issuing stay at home orders. Below are some facts about the virus and what you can do - [Five Immediate Steps for Visible Water Damage in Your Ceiling](https://bixlerinsurance.com/five-immediate-steps-for-visible-water-damage-in-your-ceiling/) - It’s a daunting moment when you look up to find a puddle in a light fixture or a growing water stain on a ceiling. Here’s what to do to minimize the damage and get help for a repair. Clear and protect the area beneath the stain. Move furniture and valuables, then lay down a tarp - [Applying for Life Insurance with Type 2 Diabetes: 6 Questions You’ll Need to Answer](https://bixlerinsurance.com/applying-for-life-insurance-with-type-2-diabetes-6-questions-youll-need-to-answer/) - According to the American Diabetes Association and the Centers for Disease Control and Prevention, individuals with type 2 diabetes spend 50 percent more on prescription drugs than individuals without and have a 50 percent greater likelihood of death. In turn, life insurance premiums can be significantly impacted by a diabetes diagnosis. However, while it’s true an insurance - [Is Travel Insurance Worth the Cost?](https://bixlerinsurance.com/is-travel-insurance-worth-the-cost/) - As spring break approaches and you peruse your options for travel both within the United States and abroad, you’re bound to be faced with a decision: do I accept the added cost of a travel insurance package? Whether you’re booking from a travel website or simply wondering whether to add cancellation protection onto a flight, - [Transporting Your Car During a Move](https://bixlerinsurance.com/transporting-your-car-during-a-move/) - A long-distance move may involve the need to transport a vehicle, especially if one member of the family will be driving a moving van. Before you decide whether it’s preferable to hire an auto shipping company or tow your own vehicle behind a truck or moving van, consider the following details. Tow Dolly or Trailer: - [The ABCs of Airbnb: Prepping Your Home as a Short-Term Rental Space](https://bixlerinsurance.com/the-abcs-of-airbnb-prepping-your-home-as-a-short-term-rental-space/) - Research suggests revenue from short-term vacation rentals will surpass the hotel industry in 2020. In fact, Airbnb reports that on any given night, there are 2 million people staying at one of its properties. If you’re looking to make extra income listing your space with a hosting platform, keep in mind the following tips for preparing - [Rebuilding Your Business After a Natural Disaster](https://bixlerinsurance.com/rebuilding-your-business-after-a-natural-disaster/) - The Federal Emergency Management Agency (FEMA) reports that 40 to 60 percent of small businesses never recover and re-open their doors after a disaster. It is in the best interest of your business to maintain both adequate insurance coverage and a disaster recovery plan so you’re prepared to bounce back when Mother Nature comes calling. In - [Remodeling Your Home? Don’t Forget to Adjust Your Insurance, Too](https://bixlerinsurance.com/remodeling-your-home-dont-forget-to-adjust-your-insurance-too/) - Homeowner’s insurance is directly linked to the value of your home, and the only way to be confident you have the coverage you need is to be transparent about improvements you’ve made to your property over time. Here’s what to consider before, during, and after a home renovation so you’re covered for during construction and - [Understanding the Difference Between Federal and Private Student Loans](https://bixlerinsurance.com/understanding-the-difference-between-federal-and-private-student-loans/) - Debt happens. When it comes to pursuing a post-secondary education, loans can be an important means to an end. But before you choose between federal and private loans (or choose a combination of the two), you need to understand the difference and the long-term effect each can have on you and your family’s future. This - [How Homeowners Can Reduce Risks in Winter](https://bixlerinsurance.com/how-homeowners-can-reduce-risks-in-winter/) - Our homes protect us from the most severe winter weather, but our homes are not always protected from the same elements. Snow, ice, and even simply freezing temperatures can have drastic effects on our homes and the parts that make them work. As the temperatures drop, risk rises. Here’s how to minimize those risks. Leave - [What You Need to Know About Funeral Planning](https://bixlerinsurance.com/what-you-need-to-know-about-funeral-planning/) - It’s the topic no one needs to think about, but everyone needs to think about it. For as the saying goes, the only things in life that are certain are death and taxes. When the time comes for you or a loved one, nothing helps people say goodbye like a meaningful funeral. However, they do - [How to Stay Active During the Winter](https://bixlerinsurance.com/how-to-stay-active-during-the-winter/) - It's cold, it's wet, and you just want to curl up on the couch with a hot drink and a book. It can be hard to keep up a healthy lifestyle when it's cold outside, but it's not impossible. Here's why you need to stay active and some tips to help you get back in - [4 Insurance Tips for Renters ](https://bixlerinsurance.com/4-insurance-tips-for-renters/) - If the possessions in your apartment or rental house were damaged or stolen, could you afford to replace them? If you’re like many Americans, the answer is probably no. That’s where renters insurance comes into play. But what is renters insurance, and what do you need to know about it? Renters insurance protects the personal - [Have a Safe and Happy Halloween by Avoiding Insurance Claims](https://bixlerinsurance.com/have-a-safe-and-happy-halloween-by-avoiding-insurance-claims/) - Halloween is a special day of the year that many people young and old get excited about. However, Halloween poses more dangers than scary masks and fake blood, so you need to stay safe and protect what you care about. Here are some useful tips for staying safe, having fun, and avoiding insurance claims! Safety - [How Does My Dog’s Breed Affect My Homeowner’s Insurance? ](https://bixlerinsurance.com/how-does-my-dogs-breed-affect-my-homeowners-insurance/) - It has long been said that dogs are humankind's best friend. If you have a canine companion you love, chances are they are an integral part of your family life. They snuggle with you (or on the dog bed) at movie nights, attend your barbeques and parties, and run to greet the delivery worker. But - [Why Work With an Independent Insurance Agent for Commercial Auto Coverage?](https://bixlerinsurance.com/why-work-with-an-independent-insurance-agent-for-commercial-auto-coverage/) - In this Internet age, it’s incredibly easy to purchase insurance online - directly from the carrier and without ever having to leave your screen. When you’re in charge of insuring a fleet of commercial vehicles, this option is surely tempting. You don’t have much time, and purchasing insurance direct online will save you both time - [Is Your Small Business Prepared to Handle a Lawsuit?](https://bixlerinsurance.com/is-your-small-business-prepared-to-handle-a-lawsuit/) - The thought of facing a lawsuit at your business is a scary thing. Large businesses likely have a legal department that is practiced at handling these situations, and they may even have a budget set aside specifically for legal matters. For small businesses, it is not so easy. Small business owners may think that the - [5 Tips for Driving at Night](https://bixlerinsurance.com/5-tips-for-driving-at-night/) - Depending on your job, you may need to do a lot of driving at night. Or perhaps you like to leave in the wee hours to go on family vacation, so you can arrive at a decent time the next day. Some drivers do prefer night driving because the roads are more open. Even so, - [Busting Common Life Insurance Myths](https://bixlerinsurance.com/busting-common-life-insurance-myths/) - September is life insurance awareness month. In that spirit, we’re going to bust some myths regarding the often-mysterious seeming insurance coverage. According to the 2019 Insurance Barometer Study by Life Happens and LIMRA, 43% of American households do not have any life insurance. Furthermore, 40% of those households reported that they would immediately struggle to - [3 Ways To Make Your Home Kid-Friendly and Safe](https://bixlerinsurance.com/3-ways-to-make-your-home-kid-friendly-and-safe/) - Moving into a new home can be an exciting, yet stressful, process. In the mix of things, you shouldn’t have to worry about the safety of your children. Use these tips to make sure that every area of your home is childproof and safe for your kids to play in. Start With Rules In order - [Don't Get a DUI: Tips to Have a Safe Holiday Weekend](https://bixlerinsurance.com/dont-get-a-dui-tips-to-have-a-safe-holiday-weekend/) - A DUI charge can have serious consequences. For one, driving under the influence makes you a danger to yourself, your passengers, and others on the road. Each state has different laws and penalties, but in most cases your license will be suspended, you’ll have to pay large fees and fines, and you may even spend - [What Kind of Insurance Does a College Student Need?](https://bixlerinsurance.com/what-kind-of-insurance-does-a-college-student-need/) - With colleges starting back up, maybe you have a child returning to school or leaving for the first time. You’ve got the twin XL sheets, the posters and the textbooks. Did you know that you also might need insurance for your college student? Auto Insurance If you already have auto insurance for your child’s car - [4 Practical Insurance Tips for Millennials](https://bixlerinsurance.com/4-practical-insurance-tips-for-millennials/) - Millennials (young people born between 1981 and 1996) are now reaching a place in their lives where they have to start making important financial decisions, such as when to buy a house or have children. With the average amount of millennial debt rising, it is becoming more difficult for young people to build up savings. - [3 Things You May Not Know About Rental Car Coverage ](https://bixlerinsurance.com/3-things-you-may-not-know-about-rental-car-coverage/) - Experiencing a car accident is stressful enough on its own. Add to that the possibility of medical bills, car repair bills, and the cost of renting a vehicle while yours is in the shop, and you’ll definitely feel overwhelmed. However, with rental car assistance or reimbursement, you may not have to worry too much about - [The Most Important Thing to Do When Closing on a Home](https://bixlerinsurance.com/the-most-important-thing-to-do-when-closing-on-a-home/) - When you’re a first time home buyer, you might be expecting the process to be more glamorous and exciting than it is in reality. Now, buying your first home is certainly an exciting event, but glamorous? Last time we checked, there wasn’t much glamor about paperwork… If you’re like most people, you will work with - [This Is How Your Insurance Can Cover You During a Vacation](https://bixlerinsurance.com/this-is-how-your-insurance-can-cover-you-during-a-vacation/) - School’s out, the sun’s out, and pretty soon you might be out of town! As you’re packing for your summer vacation, insurance is probably the last thing on your mind. You’re probably thinking about what clothes to bring, whether you need both your phone and tablet, or trying to dig out the snowboard you haven’t - [How to Create a Culture of Safety in Your Business](https://bixlerinsurance.com/how-to-create-a-culture-of-safety-in-your-business/) - When you think of “workplace culture,” you probably picture casual Fridays or volunteering as a group. Having a positive workplace culture is certainly something that benefits businesses and helps with employee retention. But what some people forget about is that a “culture of safety” is an equally important type of workplace culture. What Is a - [What Are the Real Consequences of Skipping Breakfast?](https://bixlerinsurance.com/what-are-the-real-consequences-of-skipping-breakfast/) - Mornings are difficult, aren’t they? You’re rushing to get showered and dressed - and if you have kids, to get them up, showered, and dressed - and you have to make it to work on time! With everything going on, stopping and making breakfast is not on your to-do list. You’ve probably heard it a - [Ride Safe: May is Motorcycle Safety Awareness Month](https://bixlerinsurance.com/ride-safe-may-is-motorcycle-safety-awareness-month/) - It can be a glorious feeling to ride with the wind in your face and the sun on your back, but the fun can turn deadly in an instant if riders do not take the proper precautions. Motorcycle riders are overrepresented in traffic accident fatalities. Take the right precautions every time you ride your bike - [What Happens if Your Business Loses its Leader?](https://bixlerinsurance.com/what-happens-if-your-business-loses-its-leader/) - If you go unprotected, the death of your company’s leader could well mean the death of your company itself. There is a type of insurance that can help protect against the consequences of a tragedy like this. It is called key person insurance. Key Person Insurance Key person insurance is a type of life insurance - [Why Wear and Tear Isn’t Covered by Your Homeowners Insurance](https://bixlerinsurance.com/why-wear-and-tear-isnt-covered-by-your-homeowners-insurance/) - You purchase homeowners insurance to protect your greatest investment against damages that are out of your control. Most often, this means emergencies or acts of nature - forces you cannot control. What can you control? How you maintain your own home. This is why homeowners insurance is unlikely to cover claims you make that turn - [Using Your Tax Refund to Buy Life Insurance](https://bixlerinsurance.com/using-your-tax-refund-to-buy-life-insurance/) - The first thing you think of when you consider your tax refund is probably not life insurance. However, it’s important to keep an open mind! Instead of using your tax refund on things you don’t truly need such as more material possessions or a beach trip, consider using your refund check to invest in the - [How to Spot a Distracted Driver](https://bixlerinsurance.com/how-to-spot-a-distracted-driver/) - April is distracted driving awareness month in the insurance world, and we wanted to bring a different side of this topic to light on our blog this month. If you know the dangers of distracted driving, you avoid it. However as many of us know, you can’t control the actions of other people on the - [Spring Maintenance Checklist for Homeowners](https://bixlerinsurance.com/spring-maintenance-checklist-for-homeowners/) - Winter can be tough on a home. Snow, ice, wind, rain and freezing temperatures can all place stress on your home’s structure. Now that Spring is here, it’s time to start taking stock of any needed repairs or updates to get your home back in top shape. Here are a few of the things you - [When to Update Your Life Insurance Beneficiaries](https://bixlerinsurance.com/when-to-update-your-life-insurance-beneficiaries/) - Life insurance: you may not want to think about it too hard, but you need to. It can be difficult to consider the possibility of your own passing, but when you realize what the financial consequences of your death might be for your loved ones, you’ll realize just how important life insurance is. If you - [Stay Safe on Spring Break with These Tips](https://bixlerinsurance.com/stay-safe-on-spring-break-with-these-tips/) - Spring break is known as a time for fun and relaxation. It’s a chance to get away from school (and work!) for a little while and spend time with the family. However the risks involved in taking a spring break trip cannot be ignored. This doesn’t mean you should spend the entire break keeping the - [When Do You Need Commercial Auto Insurance? The Answer Might Surprise You](https://bixlerinsurance.com/when-do-you-need-commercial-auto-insurance-the-answer-might-surprise-you/) - For some, it’s an easy question. You need commercial auto coverage when your business owns company vehicles - whether it’s one or an entire fleet. However this is not the only instance in which a commercial auto policy is recommended. If you often use your personal vehicle for work purposes, besides commuting, you just might - [How Technology Can Protect Your Home](https://bixlerinsurance.com/how-technology-can-protect-your-home/) - According to a study by the Insurance Information Institute, around one in 250 insured homes files a theft claim each year. Although this is not the most common claim, it is significant enough that insured homeowners should be looking into their options for getting the best home security. Technology is constantly changing and improving, and - [Preparing Your Business for the Event of a Flood](https://bixlerinsurance.com/preparing-your-business-for-the-event-of-a-flood/) - Just like your home, your business can flood and potentially experience extensive damage. However, your business has a completely different set of risks than your home does. After a flood in your place of business, you could experience loss resulting from damage to records, inventory, equipment, and technology as well as other valuable property and - [How to Make a Car Emergency Kit](https://bixlerinsurance.com/how-to-make-a-car-emergency-kit/) - Whether it’s a flat tire or a run-in with a winter storm, a vehicle emergency can really catch you off guard. The first step you should take in creating a road emergency plan is to give your insurance agent a call. Many insurance carriers offer roadside assistance services as a policy add-on, if it is - [Millennials and Life Insurance](https://bixlerinsurance.com/millennials-and-life-insurance/) - More than any other generation, millennials (born 1981-1996) are going without life insurance. In some instances this is understandable; perhaps you are debt free or never plan to have children. However there are some considerations you should take into account before writing off life insurance entirely. Here are some questions to ask yourself if you - [What to Do If Your Car Is Stolen](https://bixlerinsurance.com/what-to-do-if-your-car-is-stolen/) - First, Remain Calm If you believe your car has been stolen, your immediate response is likely to completely freak out. This is understandable, but there is a chance you could be mistaken. It is possible that your car was towed or even that your teenager took it without asking. Make a few calls to local - [How Marriage Can Change Your Insurance Needs](https://bixlerinsurance.com/how-marriage-can-change-your-insurance-needs/) - You already know that marriage will change a lot of things in your life. When you say “I do” you are combining your entire world - and often your home - with someone else’s. Among the changes that come with married life are adjustments you should make to your insurance coverage. Home & Property If - [Is Employer-Provided Insurance Enough?](https://bixlerinsurance.com/is-employer-provided-insurance-enough/) - You sit down with your new employer to discuss benefits, and they mention providing a low-cost or free life insurance policy. Great! You’re set, right? Don’t be so sure... Insurance provided through an employer group policy, especially life insurance, is likely not going to be sufficient for your needs and those of your dependents. It - [New Year's Home Safety Checklist](https://bixlerinsurance.com/new-years-home-safety-checklist-3/) - The start of a new year is an ideal time to tackle goals and projects that you may have been putting off for a while. In addition to setting new career goals and working on your health and fitness, you should consider reevaluating your home safety. From fire hazards to energy savers, your home may - [Strategies to Reduce Employee Illness and Injury](https://bixlerinsurance.com/strategies-to-reduce-employee-illness-and-injury/) - As a business owner, the health and safety of your employees should be a top priority. Not only are healthy employees happier, but they are more productive, too. Ultimately, having high health and safety standards will also reduce costs to your business since insurance premiums will be lower with a cleaner safety record. Additionally, having - [Teens and Distracted Driving](https://bixlerinsurance.com/teens-and-distracted-driving/) - Starting to drive is one of the most exciting experiences for teenagers, but it can also be one of the most dangerous. According to the CDC, teenagers are the most likely age group to get into a traffic accident. Teens are more likely to speed and less likely to wear seatbelts than older drivers. They - [Why Stay At Home Parents Need Life Insurance](https://bixlerinsurance.com/why-stay-at-home-parents-need-life-insurance/) - You may think that the only parents who need life insurance are working parents, but that isn’t exactly correct. A stay at home parent is more than just a mother or father. These individuals wear many hats: tutor, chef, chauffeur, housekeeper, caretaker, and more. The true value of these duties is priceless, but the economic - [How Smoking Affects Your Health Insurance Premiums](https://bixlerinsurance.com/how-smoking-affects-your-health-insurance-premiums/) - You are probably aware of how smoking can affect your health, but do you know how it changes your health insurance premiums? Determining Factors Health insurance premiums are determined based on five factors: age, location, plan category, number of dependents, and tobacco use. Insurance companies define tobacco use as the use of tobacco products (cigarettes, - [Tips for Using Electric Blankets Safely](https://bixlerinsurance.com/tips-for-using-electric-blankets-safely/) - One of the most comfortable things on a cold autumn night is a warm, self-heated blanket tucked around your freezing toes! Electric blankets are one of the best modern inventions for warming up your body, but they can also pose safety risks to you and your home if they aren’t properly used. Before you get - [Thanksgiving Safety Tips for Homeowners](https://bixlerinsurance.com/thanksgiving-safety-tips-for-homeowners/) - Most of us see Thanksgiving day as a time for joy. Making memories is the only thing on our to-do list while we kick off the holiday season with good food and family. However, believe it or not, Thanksgiving is one of the most dangerous days of the year for homeowners. With all that cooking, - [6 Ways to Know If Your Brakes Are Failing](https://bixlerinsurance.com/6-ways-to-know-if-your-brakes-are-failing/) - Brake failure is easily one of the most dangerous malfunctions that can occur in your vehicle. There are many reasons why brakes fail, but even if you aren’t a mechanic, you should know the signs of brake failure so you can get your car serviced as soon as you start noticing them! Here are six - [What to Expect In a Life Insurance Exam](https://bixlerinsurance.com/what-to-expect-in-a-life-insurance-exam/) - If you are reasonably healthy with no preexisting medical conditions, it is likely that your best bet for getting great life insurance at a low rate is to take a physical exam. This exam determines if you are prone to illnesses that would make you a higher risk to insure, such as diabetes, heart disease, - [How to Get Your Home Ready For a Safe Halloween](https://bixlerinsurance.com/how-to-get-your-home-ready-for-a-safe-halloween/) - Witches and ghouls are scary for the kiddos, but as a homeowner, you know that the real terror of Halloween lies in vandalism, lawsuits, and liability claims. Use these tips to make your home and belongings safe on Halloween night, both for you and your spooky visitors. Be All In or All Out Trick-or-treaters - [How Non-US Citizens Get Life Insurance](https://bixlerinsurance.com/how-non-us-citizens-get-life-insurance/) - Selecting a life insurance policy is an important step for planning ahead and taking care of the financial well-being of your family. But can you still get coverage if you aren’t a US citizen? In most cases, yes. There are very few instances where your citizenship status disqualifies you from coverage. The circumstances of your - [5 Surprising Household Hazards](https://bixlerinsurance.com/5-surprising-household-hazards/) - We know you do everything you can to keep your house safe, especially if you have small children or adventurous pets. You’ve tied up the drawstrings on your blinds, placed non-slip grips on the shower floor, secured your cleaning liquids in an upper cabinet, and changed the batteries in the smoke detector, so everything checks - [How to Handle a Parking Lot Accident](https://bixlerinsurance.com/how-to-handle-a-parking-lot-accident/) - Parking lots are considered one of the most dangerous places to drive for a reason. With limited visibility, crowded spaces, and mediocre signage, parking lots are hot spots for fender benders on a daily basis. When an accident happens in a parking lot, there are typically three characters who have an important role to play - [How Whole Life Insurance Can Be Useful During Your Lifetime](https://bixlerinsurance.com/how-whole-life-insurance-can-be-useful-during-your-lifetime/) - Permanent life insurance, sometimes referred to as whole life insurance, is a policy guaranteed to remain in force for the insured’s entire lifetime as long as the premiums are paid. While it serves its purpose of helping your beneficiaries when you pass away, it can also help you financially during your lifetime in several ways. - [Winter Is Coming: Prepare Your Coverage For the Cold](https://bixlerinsurance.com/winter-is-coming-prepare-your-coverage-for-the-cold/) - We just celebrated the first day of autumn! Whether it’s still 90 degrees where you are, or the leaves are already crunching underfoot, it’s important to remember that winter will be here sooner than we expect it to be. And while some of us look forward to the cold and others dread it, we all - [Will My Home Insurance Policy Cover My Dog's Breed?](https://bixlerinsurance.com/will-my-home-insurance-policy-cover-my-dogs-breed/) - As dog owners, we love our furry little companions more than anything. Unfortunately, some insurance companies don’t if your pooch falls under certain breed categories. There are a number of breeds that many insurance companies are hesitant to offer coverage for because statistics show that they are more likely to bite and cause injuries. This, - [How to Teach Your Teen to Drive in Wet Conditions](https://bixlerinsurance.com/how-to-teach-your-teen-to-drive-in-wet-conditions/) - Every driver’s safety hinges upon their skill behind the wheel. If it is your first time training a teenager on how to drive in the rain, it’s a good idea to teach them everything they need to be aware of both before and during the driving session. Many of these are things that experienced drivers - [How Can Your Business Be Prepared for a Fire?](https://bixlerinsurance.com/how-can-your-business-be-prepared-for-a-fire/) - Even though it made for one hilarious episode of The Office, a fire at your business is no laughing matter. Hopefully, you’ve insured your equipment and space, but even so a fire can be a major setback and, even worse, can seriously endanger everyone present. Fire prevention and safety should be practiced and encouraged in - [Will My Family History Affect My Life Insurance Rates?](https://bixlerinsurance.com/will-my-family-history-affect-my-life-insurance-rates/) - You’ve probably heard that you can’t get good rates on life insurance if you have an existing medical condition. But what if you’re a healthy person with a not-so-healthy family history? Unfortunately, those odds of pre-existing conditions can be stacked against your life insurance premium as well. However, there are benefits to being educated about - [Smoke Detector Best Practices](https://bixlerinsurance.com/smoke-detector-best-practices/) - Every homeowner knows that smoke detectors are crucial, but do we really utilize them to the fullest degree? The National Fire Protection Association estimates that 890 lives could be saved each year if all homes had working smoke alarms. This number is drastically lower than the number of deaths caused by home fires before smoke - [How to Lower Your Teen’s Auto Premiums](https://bixlerinsurance.com/how-to-lower-your-teens-auto-premiums/) - Giving your teenagers spending money already hurts your wallet, but just wait until they start driving and you have to pay for insurance every month. New drivers are the most accident-prone demographic in terms of driving, and insurers know that. Since teenagers are four times as likely to crash as an adult driver, their rates - [Questions to Ask Yourself Before Getting Life Insurance](https://bixlerinsurance.com/questions-to-ask-yourself-before-getting-life-insurance/) - Choosing any type of insurance plan can be a daunting task because there are so many factors to consider. What are your risks? How much coverage do you actually need? How much will it cost? The stakes only get higher when it comes to life insurance, because it’s the one type of insurance that - [A Guide to Preventing Slips and Falls Around Your Business](https://bixlerinsurance.com/a-guide-to-preventing-slips-and-falls-around-your-business/) - Whether you actually hurt yourself or just suffer from a bruised ego, slipping and falling is always a nasty shock. At home, you can usually just dust yourself off and forget about it, but if you own a business, slips and falls suddenly become much more serious. Maintaining a safe business property for your employees - [Will Using Nicotine Replacement Products Increase My Life Insurance Rates?](https://bixlerinsurance.com/will-using-nicotine-replacement-products-increase-my-life-insurance-rates/) - As a former smoker, you heard it a million times: you need to stop smoking for your health and your budget. So you did! And you started using smoking cessation products like gum, patches, or e-cigarettes that contain nicotine in order to kick the habit. However, the time has come for you to upgrade your - [Avoiding and Reacting to Automobile Fires](https://bixlerinsurance.com/avoiding-and-reacting-to-automobile-fires/) - Imagine you are driving down the interstate when black smoke starts rolling out from under your hood. Do you have any idea what’s going on? How are you going to react? Automobile fires are pretty rare compared to other types of highway incidents, so most people don’t know what to expect or how to handle - [Retirement Plans: What You Are Truly Saving For](https://bixlerinsurance.com/retirement-plans-what-you-are-truly-saving-for/) - At first, it may seem like all that money you put into retirement savings over the years is pointless. However, in actuality, you will be thanking yourself for setting aside so much money once the time comes. Take a look at what you can look forward to after saving for retirement for so long. Savings - [How to Lower Your Premiums on Home Insurance](https://bixlerinsurance.com/how-to-lower-your-premiums-on-home-insurance/) - As long as you own a home, homeowners insurance doesn’t go away. What’s worse is that insurance premiums have the tendency to increase over the years. Whether you are shopping for homeowners insurance for your first home or looking to decrease your premiums for your current home, here are a few tips to help you - [How Will Adding a Teenage Driver Impact My Car Insurance?](https://bixlerinsurance.com/how-will-adding-a-teenage-driver-impact-my-car-insurance/) - So, your teen is ready to get their license. It’s an exciting time for them! And maybe for you too, although you may have a number of concerns when it comes to adding a less experienced driver to your insurance plan. There’s the matter of their safety, whether or not they will break certain rules ## Pages - [Home](https://bixlerinsurance.com/) - Car & Auto Insurance, Homeowners & Renters Insurance, Business Insurance, & Life Insurance in Fort Wayne, New Haven, Bluffton, Decatur, & Portland, IN. Small Business Insurance, Farm Insurance, & More - [Retirement Planning](https://bixlerinsurance.com/retirement-planning/) - Why People Choose Bixler Insurance For generations, individuals and families throughout Indiana have trusted Bixler Insurance because we focus on relationships, not transactions. Schedule Consultation Or Call (260) 589-2142 The Four Concerns We Help Clients Address At Bixler Insurance, we believe retirement planning is about more than investments and insurance products. Many people share four - [Our Partners](https://bixlerinsurance.com/our-partners/) - Our Proud Partners Reliable Partners, Dedicated to You. 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