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.

"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.