Finding the Best Insurance Company in South Bend, Indiana

Aldridge Insurance: Where you’re a valued client, not just an “account number.”

Learn more about our agency.

Welcome to Aldridge Insurance, your locally-owned independent insurance agency for over 29 years. Our goal has always been to help people in South Bend, IN and beyond find the right insurance coverage at a price they can afford. We’ve grown over the years, and now our team has more than 450 years of experience in insurance.

Insurance is often seen as dull and unwelcoming, but we strive to make it inviting for you. Sometimes you might feel like a face in the crowd or a number on a spreadsheet. But we don’t want you to feel that way at Aldridge Insurance. To us, you are a familiar face, a valued friend, and a neighbor. That’s why you can trust we’ll be there for you when you need us most.

Personal InsuranceGet personal insurance coverage.

Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If your house burned down, would your insurance cover the cost of rebuilding it and replacing the things inside? Keep in mind that the prices of building materials and construction materials don’t usually go up at the same rate as home prices. As a result, rebuilding a home can often cost significantly more than expected. Solution.

Make sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs. Personal Property / Contents – Property DamageRisk Factor.

When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed. Solution.

Personal property, such as the things in your home and other things you or family members who live with you own, are usually covered by your homeowners insurance. Make sure that your homeowner’s insurance covers the full cost of replacing any damaged personal property. This way, if something gets damaged, you’ll always get the full amount of money to replace it. Additional Living Expense / Loss of UseRisk Factor.

If something unexpected like lightning, a fire, or a storm does a lot of damage to your home, you might not be able to live there again until it can be fixed or rebuilt. This could mean that you have to pay more for food, lodging, and other daily needs. Solution.

You should make sure that your homeowner’s insurance covers extra living costs or loss of use. This will pay for your extra housing and living costs if a covered event makes your house temporarily unlivable while it’s being fixed or rebuilt. Valuable PossessionsRisk Factor.

Most homeowner’s insurance policies have a limit on how much they will pay for valuable items like jewelry, furs, fine arts, and collectibles. Solution.

Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them. Medical ExpensesRisk Factor.

Anytime a guest gets hurt on your property, even if it’s just because of a friendly game of baseball, you might have to pay for their medical bills. Solution.

Your homeowner’s insurance should cover injuries and treatment that aren’t too serious, as well as the costs of those costs. Assuming someone gets hurt on your property and needs medical care, you could file a claim with your insurance company for the related medical bills. Medical expenses are usually paid without a liability claim being filed against you. Personal LiabilityRisk Factor.

Suppose someone slips and falls on your property. You and your family could be held responsible for any injuries that happen. Solution.

If someone gets hurt or something gets damaged and someone else thinks you were at fault, your homeowner’s insurance covers personal liability. But you might want to get a personal umbrella or excess liability policy to protect your assets in case someone sues you. These policies offer higher coverage limits. Miscellaneous CoverageRisk Factor.

There are some serious risks that come with having a trampoline in your backyard that may not be covered by your standard homeowners insurance. This is because coverage varies from insurance company to insurance company and from state to state. Solution.

Make sure that your homeowners insurance covers your trampoline. A lot of insurance companies won’t cover trampolines because they think they are too dangerous. Personal Injury / DefamationRisk Factor.

Young people are usually very active online. However, using social media and other sites can make it more likely that they will directly or indirectly hurt someone’s reputation, which could lead to a lawsuit against you as a parent. Solution.

It’s possible that your homeowners insurance doesn’t cover rumors or statements that hurt someone’s reputation, but it does cover liability for damage to property caused by any family member. You may need to seek additional coverage to include liability protection that covers personal injury or defamation. Umbrella / Excess Liability CoverageRisk Factor.

You have people over for a pool party, and one of them accidentally falls into the shallow end and hurts themselves. They hire a lawyer, and after a long court case, you and your family are still responsible for paying for their injuries. Are you sure you have enough saved to pay for your legal fees and live up to your legal obligations?

An umbrella or excess liability policy protects you even more than your current auto, boat, or homeowners policy, lowering your personal liability limits and giving you peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage. Flood CoverageRisk Factor.

You do not have to live near a body of water to suffer loss due to flooding. Because the weather is changing and there are more damaging storms happening around the world, flood damage is happening more often in places that don’t normally get it. Your homeowners policy does not cover damage from flood. Could your home be at risk?Solution.

If you buy flood insurance, the National Flood Insurance Program will protect your home and its contents from certain types of flood damage. A flood policy can be bought separately through the NFIP or through a writing your own carrier, which is a type of service provider. Secondary HomeRisk Factor.

Owning a secondary home has the potential of increasing your liability exposures.Solution

Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also think about adding the second home to an excess liability or umbrella policy to get higher liability limits. Collector CarsRisk Factor.

Collector or classic cars often have a lot of value and need special paperwork and insurance coverage to make sure they are properly protected. Even if stored on your property, they are typically not covered under your homeowners insurance. Solution.

Get insurance for your collector cars from a company that specializes in and knows how to handle the unique needs of collector cars, classic cars, and other vehicles. Wine CollectionRisk Factor.

If you know a lot about wine, you know that exposed to things outside of its natural state can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. It is possible to get insurance for the damage, but only if it is a covered cause of loss under your homeowner’s policy. A deductible would also apply. Solution.

You might want to add your large wine collection to your homeowners insurance if you have one. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage. Water DamageRisk Factor.

Water damage is the most common type of property loss. It can come from outside your home in a flood or from inside your plumbing system. A lot of policies don’t cover losses caused by clogged sewers and drains, and all homeowner policies that aren’t backed by an insurance company don’t cover damage from flooding. Solution.

Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place. Off-Premises TheftRisk Factor.

Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.Solution

Off-premises theft coverage is an add-on that you can add to most homeowner’s policies. This covers theft of your personal belongings while they are not at your home.

Make sure you cover the unique risks you face with home insurance.

• Click on the hotspots.
• Discover your risks.
• Get the right coverage.

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