Welcome! At Ron Haendiges State Farm located in Salem, we strive to provide the best service with the great Insurance and Banking products of State Farm.
We would like to thank you for visiting our page. Here at Ron Haendiges State Farm we strive to provide excellent customer service accompanied by the great products of State Farm. We are very passionate about our customers and their families. We offer over 80 years of combined insurance and financial services experience. Here at Ron Haendiges State Farm we offer insurance products that help protect your family and a bank for your family's financial needs. We offer FREE quotes and love meeting our Neighbors! Please stop in or give us a call as we are available by phone 24/7 at (812) 883-2343, we will be more than happy to help you and your family any way we can! Evenings, Sunday's and Holiday's by appointment only Contact us at: ronsf.com (812) 883- 2343 (812) 499- 6520 [email protected] We love referrals!
[01/15/19] While temporary coverage health insurance plans can offer an extra layer of security for times when you may be out of health insurance coverage, it is important to keep in mind that temporary health insurance does not cover pre-existing conditions.
[01/10/19] While it is always a good idea to find ways to maximize your financial strength, it is also a good idea to protect it. While you can cut costs with a higher insurance deductible, you do not want to be paying on the back end when coverage is exhausted. An umbrella liability policy will provide the money you need when your regular policy has reached its limits.
[01/08/19] When people think about insurance, they often think of health, auto, life and home insurance. While these are all important coverage types, there might be another kind of insurance right for your situation. Getting a comprehensive insurance review can ensure you're completely covered.
[01/03/19] In today’s world of lawsuits, courts are awarding larger amounts of money than ever for accidents, despite the fact that most policies have a limit on liability insurance. Thus, having umbrella coverage is important for everyone.
[01/01/19] If you drive a motorcycle, and live in an area where the weather prevents you from riding for an extended period (like the winter), ask about seasonal insurance for your bike. This policy’s premiums reflect only the seasons you ride, not the dormant one(s).
[12/27/18] If you own pets, you can be liable for any injuries that they cause, such as biting or scratching. You can also be liable for any property damage they cause, but an umbrella policy will help cover these damages or injuries.
[12/25/18] When you purchase an insurance policy, be sure to become familiar with the entire policy and your responsibilities as a policy holder. Doing so can help you to get the most out of your policy and may save money too.
[12/20/18] Did you know that the laws for umbrella policies vary from state to state? To determine the extent of coverage for your state, it is a good idea to consult with an insurance professional.
[12/11/18] Not all homeowners insurance policies will automatically cover all your jewelry. If you have pieces of substantial value, don't forget to disclose them when shopping for insurance. You may benefit from adding a rider or purchasing additional coverage for them.
[12/06/18] No matter how carefully you drive, the truth is that car accidents do happen, and they can get very expensive, very quickly. Your car insurance will only cover up to its liability limits, but if you have an umbrella policy, it will pick up where the car insurance left off.
[12/04/18] Do you know the various ways to limit the cost of an insurance policy? Whether it's life insurance, coverage for your vehicles or homeowner's insurance, an insurance expert can explain ways to lower the cost of your policy.
[11/29/18] Did you know that umbrella insurance covers personal injuries as well? This would include invasion of privacy, wrongful entry, wrongful eviction, false arrest and/or imprisonment, and malicious prosecution.
[11/27/18] How much life insurance should you purchase? That's a complex question that depends on factors like the size of your family. An insurance expert can help you determine how much insurance to purchase for your family.
[11/22/18] If you have employees, talk with your representative about an umbrella liability policy to supplement worker’s compensation or other insurance you may be carrying. When claims exceed the limits of your basic coverage, you need something that has your back.
[11/20/18] Periodically, states revise the amount of automobile liability coverage a driver is required to carry. Review your policy from time to time and contact your agent to make sure you meet the minimum requirements.
[11/15/18] If you got served with a lawsuit today, would “How am I going to pay this?” be your first reaction? This is where an umbrella policy would come in. Anything that your current liability coverage doesn’t pay will be covered by an umbrella policy.
[11/13/18] Like other areas of insurance, life insurance has many complicated issues. An insurance expert can explain the different between permanent and term insurance and make recommendations based on your goals.
[11/08/18] Umbrella insurance coverage can help to protect business owners in the event of an accident and lawsuit. This type of very affordable extra liability insurance can offer an extra level of protection to both large and small businesses.
[11/06/18] Insurance is designed to protect against some of the unpredictability of life. By relying on insurance, you can take the worry out of some unexpected and costly emergencies, from a theft in your home or car, to a difficult medical diagnosis.
[11/01/18] Do you have a swimming pool at your home? Would your homeowner’s coverage pay for a big lawsuit if someone were to be injured or die in your pool? Umbrella policies can extend the policy limits by millions of dollars.
[10/30/18] Did you know that your car insurance rates are lower the better your safety and security systems are? Autos that are protected against theft and those that best protect their passengers receive some of the lowest rates in the industry.
[10/25/18] One step in determining whether you need umbrella insurance is not is to figure out whether you are at risk. Common factors that may put you at higher risk is whether you have a pool, a dog (thus at risk for dog bite claims), and/or a teenage driver in the home.
[10/23/18] Once you have an insurance policy, keep the policy in a safe but accessible space. Be sure to carry an insurance card with you at all times too. Doing so can help to avoid confusion and delays especially in the event that urgent medical care is needed.
[10/18/18] As your financial circumstances improve, you need to protect your assets from attack in the event you are sued. An umbrella policy is designed to pick up where your homeowner’s policy leaves off to keep you protected.
[10/16/18] In most cases, your auto insurance is to protect other people in the event you're at fault for a car accident. Additional coverage, like uninsured or underinsured motorist , can cover you in the event someone with insufficient coverage is at fault for the accident.
[10/11/18] Do you have a swimming pool or hot tub? While you hope nothing goes wrong with these, the truth is that you can be legally liable for any injuries or accidents that happen around them, but an umbrella policy will help make sure you’re covered just in case.
[10/09/18] The daily cost of nursing home or hospice care can be a major financial drain on you and your family's resources. Long term care insurance can help you cover the cost of skilled care should you ever require it.
[10/04/18] So how much exactly does an umbrella insurance policy protect you beyond your original insurance coverage? Depending on the policy, it can add an additional one to five million dollars in liability protection.
[10/02/18] What to do if you are starting a job in a few months with an insurance plan, but you don’t want to go without insurance until the job begins? Choose a temporary coverage health insurance plan for the amount of time that you need coverage.
[09/27/18] How can I tell if I need an umbrella insurance policy? Simply add up your assets and compare that figure to the liability coverage in your home and auto policies. If the assets are greater than the coverage, that means you are at risk and should consider umbrella insurance, according to experts.
[09/25/18] Income replacement coverage can provide cash to help you pay your bills and living expenses while you recover from an accident or surgery. This is not the same as health insurance, which helps pay the cost of medical procedures and medications.
[09/20/18] Do you have to get umbrella insurance with your primary insurance carrier? No. Even if you have a primary insurance policy through another insurance carrier, you can still obtain extra liability umbrella insurance for an affordable price.
[09/18/18] Insurance coverage can be very complicated. It's a good idea to talk to an insurance expert to make sure you understand exactly the insurance you are purchasing so you understand what is and is not covered.
[09/06/18] Umbrella insurance can be a way to protect a business as well as your home and possessions. Do you have a small business that you operate out of your home? Imagine what could happen if a customer is injured on your property.
[09/04/18] What is the difference between an insurance policy’s premium and deductible? The insurance premium is the total yearly cost of the policy, while the insurance deductible is the amount of money the policy holder needs to pay before coverage kicks in.
[08/30/18] Although you may already have homeowners and auto insurance policies, umbrella insurance is going to cover you beyond this. In fact, this insurance is designed to insure you above and beyond the limits of those policies and may even cover some situations that wouldn’t otherwise be covered.
[08/28/18] Car insurance companies make decisions about how much to charge customers based on risk. They rely on accident, theft and other statistics for guidance. An insurance expert can explain the system and how that affects your policy.
[08/23/18] Have you ever read about a large jury verdict? How do those defendants pay the cost of those verdicts, not to mention their lawyers? If their home or auto liability coverage isn’t enough, it’s possible those defendants may go bankrupt because of a significant jury verdict.
[08/21/18] If you have recently purchased a car and are making monthly payments on it, consider adding a GAP insurance policy to cover the difference between the replacement value of the car and the amount remaining on your note.
[08/16/18] By investing in an umbrella insurance package, not only can you save money by combining various policies, but you can also be spared the time and effort needed to purchase and manage separate individual policies.
[08/14/18] If you have very young children, life insurance is a sound savings investment. It costs very little and at maturity it can be cashed in or dividends can be received, making it an excellent college graduation gift.
[08/09/18] If you own a rental unit, umbrella insurance is a good option. This type of policy will help to protect you against liability that you may face as a landlord: everything from personal injury to someone getting bitten by your tenant’s dog.
[08/07/18] Whole life insurance will cover you for your entire life as long as you don't let your premiums lapse for non-payment. Some policies are fully paid after a set term, like 20 or 30 years.
[08/02/18] If you have a boat, you may want to consider adding an umbrella liability policy to protect you if you take guests out on it or if you water-ski or use other recreational watercraft. If someone is injured while aboard your vessel, an umbrella policy covers what your regular insurance will not.
[07/31/18] Even your pet may be able to have an insurance policy to help you save money on their medical care. Annual shots, spays, neuters and teeth cleanings may be available for a discount or rebate.
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Protecting people through meaningful relationships. Many insurance options that allow you to protect your family as well as save you money. Please call us at 812-404-4220, or check out our website at protectwithhis.com.
For All Your Insurance Needs Since 1972 Farm, Business, Auto, Home, Life, and Health Insurance Agents: Bonnie Ewen & Teresa Terrell
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