K.P. Insurance Group: Auto, Home, Farm & Business Insurance in Indiana and Ohio

Indiana requires liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Uninsured and underinsured motorist coverage is also included on new policies unless you reject it in writing. State minimums rarely cover a serious accident, so we show you what higher limits cost with several carriers before you decide.

Often, yes. Tickets, an accident, a lapse in coverage or a past denial don't always mean you're out of options. Some carriers specialize in drivers other companies turn away, and as an independent agency we can check several of them at once. If you need an SR-22 filed, ask us whether the carrier we place you with can file it for you.

A farm policy can cover far more than the farmhouse. Depending on the carrier, it can include barns and outbuildings, grain bins and stored crops, tractors and combines, livestock, and farm liability. Coverage varies a lot between companies, so we walk through your operation item by item, whether you run a family farm, a hobby farm or a large operation.

Most Indiana employers must carry workers' compensation once they hire even one employee, whether full-time, part-time or seasonal. Sole proprietors and LLC members don't have to cover themselves, and farm employees are exempt, though coverage is still available. We can quote workers' comp alongside general liability, commercial auto, property and a Business Owner's Policy (BOP).

A captive agent sells for one insurance company. An independent agency like K.P. Insurance Group works with multiple carriers, so we can compare price and coverage on your auto, home, business or farm policy, and move you to another company if your rate jumps at renewal. You keep the same local agent no matter which carrier writes the policy.

Yes. Our office is at 123 West Washington Street in Hartford City, and we're licensed in Indiana and Ohio. We work with clients across Blackford County, including Montpelier, and nearby communities such as Marion, Muncie, Portland and Bluffton. Call or text 765-682-2133, email kyle@kpinsurancegroup.com, or start a quote online.