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Tom Steckler Agency, Inc

10432 Coldwater Rd
Fort Wayne, IN 46845

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Why Every Fort Wayne Homeowner Needs Flood Insurance in Indiana’s Unpredictable Weather

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Fort Wayne, IN, is known for its vibrant community and beautiful landscapes. However, it’s also known for its unpredictable weather, which can lead to flooding. Flood insurance from Tom Steckler Agency can provide the financial protection you need in these situations.

Unpredictable Weather: A Challenge for Fort Wayne Homeowners

Indiana’s weather can be unpredictable, with heavy rains and rapid snowmelt often leading to flooding. Without adequate insurance coverage, homeowners can be left to cover the cost of flood damage out of pocket.

Flood Insurance: Your Financial Lifeline

Flood insurance policies from Tom Steckler Agency provide coverage for damage caused by flooding. This includes coverage for structural repairs, replacement of damaged belongings, and even temporary living expenses if your home is uninhabitable due to flood damage.

Preventing Flood Damage

While insurance provides financial protection, preventing flood damage is equally important. Regularly inspecting your home for potential vulnerabilities, installing a sump pump, and keeping your gutters clean can all help minimize potential flood damage.

Stay Protected in Any Weather

With the right flood insurance, you can face Indiana’s unpredictable weather with confidence, knowing you’re protected against the unexpected. Contact Tom Steckler Agency today to explore your flood insurance options in Fort Wayne, IN.

From Theft to Fire: How Condo Insurance Covers Fort Wayne Residents

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Living in a condo in Fort Wayne offers a unique blend of homeownership and convenience. But just like any home, condos are not immune to risks like theft and fire. That’s where condo insurance comes in. Let’s explore how condo insurance can protect you from these and other risks.

Understanding Condo Insurance Coverage

At Tom Steckler Agency, we understand the unique insurance needs of condo owners. Condo insurance typically covers your personal belongings, certain parts of your unit’s structure, and your personal liability. This means if your condo is burglarized or damaged by fire, your condo insurance can help cover the costs to repair or replace your belongings.

Theft Coverage

Theft can be a devastating experience. Fortunately, condo insurance can provide coverage for your stolen belongings, up to your policy’s limit. This can include everything from electronics to jewelry.

Fire Coverage

Fire can cause significant damage to your condo and personal belongings. Condo insurance can help cover the costs to repair or replace your damaged property. It can also provide coverage for additional living expenses if you need to temporarily live elsewhere while your condo is being repaired.

How Tom Steckler Agency Can Help

At Tom Steckler Agency, we’re committed to helping Fort Wayne condo owners navigate their insurance needs. We can guide you through the process of understanding and adjusting your coverage to ensure you’re protected from risks like theft and fire.

Life Insurance: A Smart Financial Move for Single Adults in Fort Wayne

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When it comes to life insurance, single adults in Fort Wayne, IN, might think they don’t need it. After all, the common perception is that life insurance is for those with dependents. However, this is a misconception. Let’s explore the importance of life insurance for single adults with Tom Steckler Agency.

Life Insurance: Not Just for Dependents

While it’s true that life insurance is crucial for those with dependents, it’s equally important for single adults. Life insurance can cover your financial obligations, such as personal debts, loans, or a mortgage, preventing them from becoming a burden to your loved ones.

Building Financial Security with Life Insurance

Life insurance can also serve as a financial tool. Certain policies, such as whole life or universal life insurance, have a cash value component that grows over time. This can be a part of your long-term financial planning, providing funds for retirement or other financial goals.

Life Insurance with Tom Steckler Agency: A Wise Decision

At Tom Steckler Agency, we understand the unique needs of single adults in Fort Wayne, IN. We offer a range of life insurance options to provide the financial security you need, regardless of your marital or parental status.

Don’t overlook the importance of life insurance just because you’re single. Contact Tom Steckler Agency today to learn more about our life insurance options in Fort Wayne, IN.

Dealing with Hit-and-Runs: Uninsured Motorist Coverage

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Hit-and-run accidents can be a nightmare for drivers in Fort Wayne, IN. Not only do you have to deal with the shock of the accident, but you’re also left with the financial burden of repairs and medical bills. This is where uninsured motorist coverage in your auto insurance from Tom Steckler Agency comes into play.

Understanding Uninsured Motorist Coverage

Uninsured motorist coverage is a part of auto insurance that covers your expenses if you’re hit by a driver who doesn’t have insurance or leaves the scene of the accident. This can include medical expenses, vehicle repairs, and even lost wages.

Why You Need Uninsured Motorist Coverage

Without uninsured motorist coverage, you could be left to cover your expenses out of pocket after a hit-and-run. This coverage ensures that you’re financially protected in such situations.

How Tom Steckler Agency Can Help

At Tom Steckler Agency in Fort Wayne, IN, we understand the financial burden that a hit-and-run can place on you. We can help you understand the importance of uninsured motorist coverage and ensure it’s included in your auto insurance policy.

Secure Your Financial Protection Today

Don’t let a hit-and-run leave you in financial distress. Contact Tom Steckler Agency today to ensure your auto insurance includes uninsured motorist coverage and you’re well-protected in Fort Wayne, IN.

The Digital Frontier: Navigating Cyber Insurance for Startups in Fort Wayne

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Launching a startup in the digital age is an exciting venture. However, with the rise of cyber threats, it’s crucial to consider the digital risks your business may face. At Tom Steckler Agency, we understand these challenges and offer comprehensive cyber insurance solutions to protect your startup in Fort Wayne, IN.

Understanding the Cyber Risks for Startups

Startups, particularly those relying heavily on digital platforms, are attractive targets for cybercriminals. From data breaches to ransomware attacks, these threats can lead to significant financial losses and damage to your startup’s reputation.

How Cyber Insurance Can Help

Cyber insurance provides coverage for a range of cyber threats. This includes costs associated with data recovery, customer notification, credit monitoring services, and potential legal fees. It’s an essential safety net for startups navigating the digital frontier.

Choosing the Right Cyber Insurance for Your Startup

Every startup is unique, and so are its cyber insurance needs. Factors to consider include the nature of your business, the type of data you handle, and your risk exposure. At Tom Steckler Agency, we can help you assess these factors and choose a policy that fits your needs.

Secure Your Startup with Tom Steckler Agency

At Tom Steckler Agency, we’re committed to helping you protect your startup from digital threats. Our team in Fort Wayne, IN is ready to help you understand your cyber insurance options and ensure you’re adequately covered. Contact us today to learn more.

Home Insurance Claims: Dealing with a Fire in Fort Wayne, IN

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A house fire is a devastating event, and dealing with the aftermath can be overwhelming. Tom Steckler Agency in Fort Wayne, IN, is here to guide you through the process of filing a home insurance claim after a fire.

Step 1: Ensure Safety and Report the Fire

Your first priority should be to ensure the safety of all occupants. Once everyone is safe, report the fire to the local authorities and your insurance company as soon as possible.

Step 2: Document the Damage

Once it’s safe to do so, document the damage to your home and belongings. Take photos or videos, and make a list of damaged items. This will be crucial when filing your insurance claim.

Step 3: Contact Tom Steckler Agency

Contact us as soon as possible to report the loss. We’ll guide you through the claims process, answer any questions you have, and start the process of investigating the claim.

Step 4: Work with the Claims Adjuster

A claims adjuster will be assigned to your case. They’ll inspect the damage, review your documentation, and determine how much your claim is worth.

Step 5: Receive Your Settlement

Once the claims adjuster has completed their investigation, they’ll provide a settlement offer. If you agree with the offer, you’ll receive payment for the damages. If not, you can discuss your concerns with the adjuster or consider seeking legal advice.

Get Help with Your Home Insurance Claim

At Tom Steckler Agency, we understand that dealing with a house fire can be a stressful and emotional time. We’re committed to making the insurance claims process as smooth as possible. Contact us today for assistance with your home insurance claim in Fort Wayne, IN.

The Interplay Between Flood Insurance and Homeowners Insurance in Fort Wayne, IN

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At the Tom Steckler Agency in Fort Wayne, IN, we often encounter questions about the relationship between homeowners insurance and flood insurance. Many homeowners are under the impression that their standard homeowners insurance policy covers flood damage. However, this is a common misconception.

Understanding Homeowners Insurance

Homeowners insurance typically covers damage to your property and possessions in the event of disasters like fire, theft, and certain types of water damage. However, it’s important to note that most standard homeowners insurance policies exclude flood damage caused by natural disasters.

The Role of Flood Insurance

Flood insurance, on the other hand, is designed specifically to cover losses incurred due to flooding. This can be from heavy or prolonged rains, snowmelt, blocked storm drainage systems, or overflow from bodies of water. In Fort Wayne, IN, where we experience a variety of weather conditions, having flood insurance can provide an essential layer of protection.

Why Both Are Important

Given the exclusions in homeowners insurance, it’s crucial for homeowners in Fort Wayne, IN to consider adding flood insurance to their coverage plan. This is especially true if you live in a designated flood zone. But even if you don’t, remember that flooding can occur anywhere, not just in high-risk areas.

Contact Our Team at Tom Steckler!

At the Tom Steckler Agency, we believe in helping our clients in Fort Wayne, IN understand their insurance needs. By understanding the interplay between homeowners and flood insurance, you can make informed decisions and ensure that your home is fully protected against potential risks.

For more information, visit our website at Tom Steckler Agency.

Understanding the Difference Between ‘Walls-in’ and ‘All-in’ Condo Insurance in Fort Wayne

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When it comes to condo insurance in Fort Wayne, IN, understanding the difference between ‘walls-in’ and ‘all-in’ coverage is crucial. At the Tom Steckler Agency, we believe in empowering our clients with the knowledge they need to make informed decisions about their insurance needs.

What is ‘Walls-in’ Coverage?

‘Walls-in’ coverage, also known as ‘bare walls’ coverage, typically covers everything within the walls of your condo unit. This includes the walls themselves, the floors, and the ceiling. However, it does not cover any fixtures, installations, or improvements made within the unit. For instance, if you’ve upgraded your kitchen countertops or installed hardwood floors, these would not be covered under a ‘walls-in’ policy.

What is ‘All-in’ Coverage?

On the other hand, ‘all-in’ coverage is more comprehensive. It covers everything included in ‘walls-in’ coverage, plus any fixtures, installations, or improvements made within the unit. This means that if you’ve made any upgrades or improvements to your condo, an ‘all-in’ policy would provide coverage for these.

Which One is Right for You?

The choice between ‘walls-in’ and ‘all-in’ coverage depends on your specific needs and circumstances. If you’ve made significant improvements to your condo unit, an ‘all-in’ policy might be the better choice. However, if your condo is relatively unchanged from its original state, a ‘walls-in’ policy might suffice. It’s always best to discuss your options with a knowledgeable insurance agent in Fort Wayne, like those at the Tom Steckler Agency.

Understanding the difference between these two types of condo insurance coverage can help you make the best choice for your needs. Remember, the right insurance policy can provide peace of mind and financial protection in the event of a loss.

Why Life Insurance is Essential for Single Parents in Fort Wayne, IN

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Being a single parent in Fort Wayne, IN, often entails wearing numerous hats and navigating through care and financial provision for your children alone. At Tom Steckler Agency, we value your struggle and acknowledge the importance of a comprehensive life insurance plan for your family’s future safeguarding.

The Buffer it Provides

Bringing up kids and meeting their myriad requirements as a single parent can be demanding. Life insurance gives you peace of mind that, despite your absence, your children’s financial needs will not be compromised. It ensures that regular expenses, future education, and even their first house deposits won’t be a burden.

Peace of Mind for the Future

When you secure life insurance with the Tom Steckler Agency, you secure your child’s future as well. It does not alter the fact of your ceaseless love and willingness to care for them, even when you’re physically absent. Knowing their future is catered for, can instill a sense of relief in single parents, transforming concern into reassurance.

Debt Protection

Life insurance is not just for your child; it’s meant for debt protection too. Any outstanding debt, like a mortgage or credit card bills, can be settled using life insurance money. In our Fort Wayne-based agency, we believe it comes in handy for single parents, preventing your debt from becoming your child’s burden.

Indiana Life Insurance is a Must

Being a single parent might be daunting, but the path can be less rocky with a life insurance policy to rely on. At Tom Steckler Agency in Fort Wayne, we’re dedicated to helping you find the best plan that suits your unique needs to keep your family safe and thriving now and in the future.

The Impact of Driving Behavior on Your Auto Insurance

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Many vehicle owners in Fort Wayne, Indiana, wonder how their driving behaviour affects their auto insurance premiums. Tom Steckler Agency presents this helpful guide to uncover the connection between your driving habits and insurance costs.

Your Driving Record Matters

Your driving record plays a pivotal role in determining your auto insurance premiums. At Tom Steckler Agency, we have found that drivers with clean records usually enjoy lower rates than those with violations. Instances like speeding tickets, DUIs, reckless driving citations, and at-fault accidents significantly increase your insurance costs. Make sure to drive safely and responsibly to maintain a clean driving record.

Track Record of Accident Claims

Insurance companies observe your track record for any accident claims filed in the past. If you’ve filed numerous claims, your risk level increases in the eyes of insurers, resulting in higher premiums. Where possible, consider paying out-of-pocket for minor incidents to avoid hikes in your insurance rate.

Defensive Driving Courses Can Help

Did you know completing a defensive driving course can positively impact your insurance costs? In Fort Wayne, Indiana, many auto insurance companies, including Tom Steckler Agency, offer discounts to drivers who complete certified defensive driving courses. Not only do you become a safer driver, but you may also be able to save on your premiums.

Lower Mileage, Lower Premiums

Lastly, the number of miles you drive annually affect your insurance rate. Less mileage often leads to lower premiums as it reduces the likelihood of accidents and wear and tear on the vehicle.

In conclusion, maintaining good driving behavior is beneficial in more ways than one. It presents a win-win situation – you stay safe on the road, while also keeping your insurance costs reasonable at the same time. So remember, drive safe and save with Tom Steckler Agency, the trusted choice for auto insurance in Fort Wayne, Indiana.

Partner Carriers

  • AAA
  • Banner Life
  • Bristol West
  • Dairyland
  • Donegal
  • Encova
  • Foremost
  • Foremost Signature
  • Grange
  • Hagerty
  • Main Street America
  • National General
  • Nationwide
  • Openly
  • Orion 180
  • Principal Life
  • Progressive
  • Prudential