Winter brings more than just holiday cheer—it also brings icy roads, heavy snow, and freezing temperatures that can challenge homeowners and drivers alike. December is the perfect time to review your insurance policies and ensure you’re fully prepared for the season ahead. At Ashlin Hadden Insurance, we specialize in personal lines of insurance, offering home, auto, and toys coverage to keep you protected, no matter what the season brings. Home Insurance: Shielding Your Haven from Winter Woes Winter weather can wreak havoc on your home, from frozen pipes to roof collapses caused by heavy snow. Make sure your homeowners insurance policy covers these potential damages. Here are a few tips to prevent winter damage: Inspect and Insulate: Check your roof, windows, and doors for leaks. Proper insulation can prevent ice dams and reduce energy costs. Clear Snow Safely: Regularly remove snow from walkways to prevent injuries and potential liability claims. Know Your Coverage: Verify that your policy covers damage from snow, ice, and freezing temperatures. If you’re unsure about your coverage or want to explore additional endorsements, such as coverage for personal belongings in your shed or garage, now is the time to reach out. Auto Insurance: Navigating Icy Roads with Confidence Driving in winter conditions requires extra caution—and the right auto insurance coverage. Comprehensive and collision coverage can help with repairs from icy accidents, while roadside assistance offers peace of mind if you’re stranded. Tips to stay safe on the road include: Equip Your Car: Install winter tires and keep an emergency kit on hand. Drive Defensively: Leave extra space between vehicles and avoid sudden braking. File Wisely: If an accident occurs, document the damage and contact your insurer to determine whether to file a claim. Toys Insurance: Protecting Your Winter Fun Winter is prime time for snowmobiles and other recreational vehicles. These “toys” bring joy but also come with risks. Specialized toys insurance ensures you’re covered for liability and physical damage. Before heading out: Check Your Policy: Ensure your coverage includes winter sports equipment. Practice Safety: Always wear proper gear and follow local regulations. Review and Renew The end of the year is a great time to review your policies and make any necessary updates. Life changes like buying a new car or adding a shed to your property can impact your coverage needs. Our team at Ashlin Hadden Insurance is here to guide you through the process, ensuring you have the right protection for the winter season and beyond. Stay safe and secure this winter with comprehensive coverage tailored to your needs. Contact us today to schedule a review of your policies and enjoy peace of mind throughout the holiday season.

This summer, Ashlin Hadden Insurance launched an initiative to recognize local Hometown Heroes, focusing on exceptional young women who lead by example and inspire others. We are thrilled to announce Madison Wallace as our Hometown Hero winner for 2024. Madison, who will be a freshman at Carmel High School, was nominated by Cindy Martin, her basketball trainer since 5th grade. Cindy’s words paint a vivid picture of a young woman who is not only an outstanding athlete but also a person of great character. Cindy shared, "Madison has always been at the top of her class in terms of skill level, but her talent has never changed who she is. She’s remained humble, supportive, and a true team player. Her positive attitude and outlook on life are contagious. She believes in God’s plan and stays true to herself, even in the face of today’s social media pressures. Madison is always the first to lift up a teammate, and she brightens my day every time I see her." Madison’s dedication to her teammates and her ability to stay grounded amidst her success make her a shining example of what it means to be a Hometown Hero. In a world where young girls are often influenced by external pressures, Madison stands out as a beacon of authenticity and leadership. Her ability to balance athletic excellence with kindness and humility is truly inspiring. As the winner of our Hometown Hero contest, Madison will have the opportunity to attend an Indiana Fever game, where she can watch other strong, successful women excel in their field. This experience is not just a reward but also a celebration of Madison’s own achievements and the positive impact she has on those around her. At Ashlin Hadden Insurance, we are proud to honor young women like Madison, who embody the values of leadership, positivity, and community spirit. We are excited to see what the future holds for Madison and are confident that she will continue to inspire others as she pursues her passions. Congratulations, Madison!

Calling all hometown heroes! Get ready for an epic summer with Ashlin Hadden Insurance! We're an all-female insurance agency excited to honor our incredible hometown heroes. We've got something special lined up: a chance to win two tickets to a WNBA Indiana Fever game! We're on the lookout for amazing young women who shine bright and lead by example, just like Caitlin Clark.

In our journey through life, we all face storms, some mental, some emotional. At Ashlin Hadden Insurance, we understand that these challenges require more than just financial solutions—they need compassionate, professional care. That's why we are deeply committed to supporting JRNY Counseling, a trusted partner of our agency dedicated to nurturing mental wellness in our community.

"It is better to be prepared for an opportunity and not have one than to have an opportunity and not be prepared." — Whitney M. Young Jr. The above quote can pertain to anything, but it is particularly applicable when running a business – be it a physical store or an online presence. An “opportunity” in the business sector could mean anything from finding a cheaper supplier, expanding to a new platform/location, or joining a company merger. All exciting stuff. While opportunities in business are almost always positive, some can be negative. For example, every business has the “opportunity” to: Be named in an employment lawsuit Lose a critical member of the team Have someone in upper management make bad financial decisions Hence, being prepared for any business opportunity is critical to the security of your company and assets. Below, we will discuss the importance of internal-operation business insurance and present, lesser-known coverages (specifically, employment practices liability Insurance, directors and officers insurance, and key person insurance). These types of policies you may want to consider for your overall business protection plan. Business Coverage You Need vs. Coverage You Should Have Picking the right insurance coverage can be a bit overwhelming, seeing as there are dozens of commercial insurance types available on the market and all of them can have vastly different parameters, contingent on your business type, your carrier, your claim history, how long you’ve been in business, the state you live in, etc. Then there are riders and endorsements that can be applied to your policy to suit your specific needs. In short, picking out the right coverage for your business can be a bit overwhelming, so it’s important you: 1.) Understand what policy types are available before you start shopping for insurance. 2.) Work with an insurance broker or agent who can advise and answer your questions. When you are in the initial stages of deciding which policy types you should purchase, you’ll want to break it down into two categories: insurance policies you need and insurance policies you should have.

When it comes to life's uncertainties, few things are as emotionally and financially devastating as a cancer diagnosis for individuals and their loved ones. As insurance agents, we've witnessed firsthand the profound impact such a diagnosis can have on families. The financial burden of medical expenses, coupled with the emotional toll of the journey, creates a complex web of stress and uncertainty.

**TL;DR at bottom We hope you don’t have a buzz on while you read this, because we’re about to tell you some incredibly sobering statistics regarding young adults in America. Stat: Since 2010, young-to-middle-aged adults have experienced significantly higher mortality rates compared to the same age bracket from 1990-2009. Stat: While some of the leading causes of death among young adults (aged 20-24) include drugs and suicide, the other top 10 contenders are automobile accidents, medical conditions, influenza, and pregnancy/childbirth. Stat: Among adults aged 25-44, accidents account for 43.5% of deaths, with car accidents alone contributing to 22% of these fatalities. We get it. Death isn’t som ething you want to think about when you've got a million other things to worry about, things that seem more pressing—like paying bills and taking care of your family. And even if you did have time to think about it, the odds are in your favor that we'll live for quite some time. So, why would you care about life insurance? Here's the thing: life insurance isn’t just about protecting your loved ones in the unlikely chance that you’ll die at a young age. As we'll explain in this blog, life insurance can actually help secure your future while you’re still walking around on this earth. Financial planning and literacy are things you should invest in now. Understanding the role life insurance plays in your financial and familial stability will help cushion your future and provide peace of mind. Understanding Life Insurance What exactly is life insurance (aside from a term used in many ID channel documentaries)? The name itself can be a bit deceiving, as it alludes to the idea that it’s insurance for the policyholder to use for their life. While that’s not totally incorrect, the more precise and simple definition of life insurance is: "A financial contract between an individual and an insurance company, in which the policyholder pays premiums each month, and if/when that person passes, their insurance carrier will provide a lump-sum payment, known as a death benefit, to their designated beneficiaries."

“Why are my insurance premiums so high?” As an insurance broker, I get this question a lot from clients – particularly in the last year or so. While the answer is complex and layered, it is important for you to understand not only why your insurance premiums have gone up, but also how you can mitigate the costs.