FAQ | Insurance Agency Indiana | AOG Group

Life Insurance

AOG Group

What insurance does AOG Group with Allstate offer in Indiana?

Homeowners, auto, life, condo (HO-6), renters (HO-4), landlord, personal umbrella, motorcycle/ATV, RV, boat & watercraft, flood (NFIP & private), and small business (BOP, GL, property, workers’ comp, commercial auto, cyber/E&O).

Can I bundle home and auto to save money?

Yes. Bundling typically lowers total premium and simplifies billing. We’ll quote side-by-side options (deductibles, limits, discounts) so you see the exact savings.

How do I get a fast quote?

Call, text, or email our Indianapolis office, or start online. Have your address, drivers, vehicles/VINs, and any recent updates to your home ready.

Do you help during a claim or only at purchase?

Both. File 24/7 with Allstate and lean on our local team for documentation, inspections, updates, and next steps until it’s resolved.

Do you serve my city outside Indianapolis?

Yes—AOG Group serves all of Indiana (Indy metro and statewide).

Can you review my current policies for gaps or savings?

Absolutely. We run a side-by-side review, check limits/deductibles, and price bundling to help you save without losing protection.

Auto Insurance

What car insurance coverages should I carry in Indiana?

We recommend liability limits higher than state minimums (25/50), plus UM/UIM, medical payments, and collision/comprehensive (especially if you finance/lease). We’ll tailor limits to your budget, vehicle value, and driving habits.

Will bundling home and auto actually lower my price?

Yes. Bundling typically lowers total premium and simplifies billing. We’ll quote side-by-side options (deductibles, limits, discounts) so you see the exact savings.

How do teen drivers affect my policy?

Rates may rise, but we’ll look for safe-driver programs, telematics, and good-student credits to help offset costs.

What impacts my auto premium the most?

Driving record, mileage, vehicle type, garaging address, selected limits/deductibles, and (where allowed) credit-based insurance scoring.

Can you help with lender/lease requirements?

Yes—tell us what’s needed and we’ll structure coverage and file required documents.

Homeowners Insurance

Is my home insured for market value or rebuild cost?

Policies typically use replacement cost (rebuild price), not market value. We’ll estimate with local data and updates you provide.

Does home insurance cover floods or sump backup?

Standard home policies exclude flood; water backup is an optional endorsement. We’ll explain both and quote flood if needed.

How do roof age and materials affect my rate?

Roof age/materials can influence price, deductibles, and wind/hail coverage terms. We’ll model options.

Are jewelry and collectibles fully covered?

High-value items may need scheduled coverage. We’ll set itemized limits with appraisals/receipts.

What discounts are common for homes?

Bundle, protective devices (monitored alarm/smoke), claim-free, and newer roof/updates—availability varies.

Life Insurance

Do I need term or permanent life insurance?

Term is cost-efficient for income/mortgage protection; permanent can provide lifelong coverage and potential cash value. We’ll tailor to your goals.

How much life insurance should I buy?

A common starting point is 10–15× annual income, adjusted for debts, childcare/college, and existing savings.

Do I need a medical exam?

It depends on product, amount, and underwriting. Some options are simplified with no exam (eligibility varies).

Can life insurance provide living benefits?

Certain riders may accelerate benefits for qualifying illnesses or add disability waivers (product-specific).

How do premiums get determined?

Age, health, tobacco use, coverage amount, and term length. We compare multiple options to fit your budget.

Condo Insurance

What does HO-6 cover vs. my HOA master policy?

Your HO-6 typically covers walls-in finishes, belongings, liability, and loss of use. The master policy covers shared areas/structure.

Do I need loss-assessment coverage?

Often recommended—it helps if your HOA assesses unit owners after a covered loss.

Are upgrades and betterments covered?

Yes, if listed as improvements; we’ll size limits for flooring, cabinets, and finishes you’ve added.

Will my lender require proof of condo insurance?

Usually. We’ll issue evidence of insurance quickly for closing or at renewal.

Are water leaks from upstairs units covered?

Often yes, subject to your policy terms/deductible. We’ll clarify coverage and coordinate with the HOA.

Renters Insurance

What does renters insurance cover?

Belongings, personal liability, and loss of use if a covered claim makes your place uninhabitable.

Are my things covered outside the apartment?

Typically yes—on and off premises (limits/sublimits apply).

Can roommates share one renters policy?

Policies usually cover named insureds only. Roommates often need their own policies unless added.

Replacement cost vs. actual cash value—why it matters?

Replacement cost helps pay to replace items new; ACV subtracts depreciation.

Is pet liability included?

Liability may apply to pet incidents, subject to policy terms/eligibility. We’ll confirm for your situation.

Landlord Insurance

How is landlord insurance different from homeowners?

It’s built for rentals: dwelling coverage, landlord liability, and options like loss of rent after a covered claim.

Does it cover tenant damage?

Sudden/accidental damage from covered causes may be included; routine wear/tear isn’t. We’ll explain scenarios.

Do I need coverage for short-term rentals?

Rules vary by carrier and listing frequency. Tell us your setup and we’ll match eligible coverage.

Are appliances and outbuildings covered?

They can be—add specific limits for structures and landlord-owned contents.

Will my lender require landlord coverage?

Yes, if the home is financed as a rental. We’ll provide proof fast.

Motorcycle & Off-road Vehicle Insurance

What coverages should riders carry?

Liability, UM/UIM, medical payments, collision, and comprehensive—plus optional gear and custom parts/accessories.

Is seasonal coverage an option?

We can structure policies for how you ride and store your bike or ATV—ask about lay-up/storage considerations.

Are passengers covered?

Passenger Liability/MedPay options vary by policy. We’ll explain how your limits apply.

Do safety courses help rates?

Often. Recognized rider training and anti-theft devices may earn credits.

What about trail-only ATVs/UTVs?

We insure off-road vehicles; liability and damage options vary by use and transport. Tell us where/how you ride.

Boat & Watercraft Insurance

What does boat insurance cover?

Watercraft liability, hull (collision/comprehensive), medical payments, and options like on-water towing, fuel-spill/wreck removal, and agreed value.

Is my trailer covered?

Trailers usually need scheduled physical damage coverage; certain liability follows your tow vehicle.

Do you insure PWCs (Jet Ski/Sea-Doo/WaveRunner)?

Yes—eligibility/limits vary. We’ll match coverage to how/where you ride.

Am I covered on all lakes/rivers?

Policies include navigation territories (e.g., inland lakes/nearshore). We’ll align with your waters.

Are fishing gear and electronics included?

Base limits are modest. Add personal effects/gear coverage for tackle, sonar, and accessories.

RV Insurance

Do I need separate insurance for my motorhome or trailer?

Motorhomes need their own RV policy. Towables often need separate physical damage even if auto liability extends while towing.

What’s vacation liability?

Liability protection while your RV is parked and used as a temporary residence at a campsite.

What is “full-timer” coverage?

For those who live primarily in the RV—adds home-like liability and higher personal property limits.

Are personal belongings inside the RV covered?

Add personal effects coverage to protect items you keep in the RV (limits apply).

Does roadside assistance cover large rigs?

Programs vary by weight and service radius. We’ll match the plan to your rig and travel routes.

Small Business Insurance

Do I need a BOP or just General Liability?

A BOP bundles GL + property + business income—often better value than GL alone if you have equipment/inventory.

Can you add Additional Insureds and required wording?

Yes. We handle AI, primary/non-contributory, waivers of subrogation, and quick COIs for leases and contracts.

Do I need Workers’ Comp if I use 1099s?

Requirements depend on your operations and Indiana rules. We’ll help you stay compliant.

Employees use their own cars—am I covered?

Add Hired & Non-Owned Auto liability; personal auto isn’t designed to protect the business.

Is cyber really necessary for a small business?

Yes—phishing and ransomware target small firms. Cyber can help with forensics, notification, legal costs, and certain downtime losses.

Based in Indianapolis and serving all of Indiana, AOG Group with Allstate provides plain-English guidance, fast proof of insurance, and proactive annual reviews. Need answers specific to your situation? Call, text, or email AOG Group with Allstate for a quick, tailored quote anywhere in Indiana. Ready to compare options? Request a custom quote today.

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