Why an Independent Insurance Agent

Independent insurance agents give you options.

Independent agents are not captive to a direct insurance company, they have access to multiple carriers. They aren’t working for an insurance company directly so they offer the consumer multiple carriers to choose from. For consumers who like to have choices, an independent agent offers choices.

Independent agents have access to more products, which means they are a one-stop shop for all of your insurance needs. Whether you need auto, home, pet, life or business insurance, an independent agent offers the solutions you need.

Independent agents give you choices between multiple insurance companies, which gives you the power to choose the best deal. Since many factors go into an insurance quote, one carrier will likely have a different quote than another carrier so getting multiple quotes provides the consumer with options.

Independent agents are committed to you rather than a carrier. They are focused on creating a relationship with each client.

Independent agents are a great choice to help you get the best insurance deal while also being your point of contact for any insurance related questions.

Contact Us!

At Jason Wright Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 812-402-9008 or send us a note at jason@jasonwrightinsurance.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Our Newest Insurance Partner

At the Jason Wright Insurance Agency, we’ll work with you to understand your unique insurance needs. We’ll follow up with many fine insurance providers to deliver high-quality, affordable insurance options tailored to deliver the value and coverage you’re seeking.
Call us today at 812-402-9008 to get free insurance quotes.
Our newest partner:
Jason Wright Insurance is independently owned and locally operated to handle your insurance needs. We focus on the Evansville, Indiana area and offer affordable and reliable insurance choices all across Southern Indiana and Western Kentucky.

JASON WRIGHT INSURANCE AGENCY: FOR THE RIGHT INSURANCE, CHOOSE JASON WRIGHT INSURANCE. CALL FOR A QUOTE TODAY AT 812-402-9008.

Summer Energy Savings

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Beat the Heat — and Your Air Conditioning Bill — This Summer

Did you know that, according to the U.S. Department of Energy (DOE), Americans spend about $11 billion each year on air conditioning? That might not be such a surprise if you’re the one who writes the check for your household energy bill every month.

Believe it or not, you can spend less on cooling costs while still keeping cool in Evansville. Here are five things to do before you reach to adjust the thermostat:

1. Make sure your house isn’t part of the problem. If your home isn’t insulated and sealed well, warm air could be leaking in, sabotaging your efforts to cool things down. Make sure all cracks and openings are sealed, along with your ducts. The DOE says air loss through ducts can account for 30 percent of the energy a cooling system uses.

2. Keep that breeze flowing. Natural ventilation is a great way to decrease the temperature in your home without using any energy. Open windows in the mornings or evenings when the air is cool and get a cross-breeze going throughout the house.

3. Check that the heat isn’t on. You might be heating your house in the summer without realizing it. How? By using the oven, stove or other appliances that generate heat. Cook outside whenever you can, and use the dishwasher and clothes dryer at cooler times of the day if possible.

4. Create your own personal cool zone. Cooling the whole house might not be necessary if you’re only using a few rooms. Set up fans (ceiling fans will allow you to set your thermostat a few degrees higher), drink plenty of cool liquids and eat cold foods, which can help lower your body temperature. You might even consider wearing a damp shirt to stay comfortable or putting an ice pack on your forehead, the back of your neck or your wrists.

5. Don’t forget the basics. When it’s sunny outside, keep your curtains closed. Minimize your use of lights, as they generate heat. And, when the outside air is warmer than the air in your house, close the windows to keep the cool air in.

We can’t promise these tips will keep you just as cool as when you kick back and turn on the AC full-blast. But saving money every month? That’s pretty cool, too.

Contact Us!

At Jason Wright Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 812-402-9008 or send us a note at jason@jasonwrightinsurance.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Solar Panels

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What to Know Before You Go Solar


Solar panels can be economically and environmentally sound, and they’re more accessible than ever. According to one
research firm, U.S. homes and businesses installed a new system every four minutes in 2013.

But, is solar power right for you here in Evansville? To help you address the question, here are five things to think about before making the switch:

  1. The different options for installing a solar system. Oftentimes you don’t have to foot the full cost of going solar yourself. Instead, you may be able to lease a system from a company that installs and maintains it, or enter into an agreement where a third party actually owns the system and bills you (likely at a reduced rate) for electricity. Just keep in mind that installing and owning your own system may provide the best long-term return, and tax credits or rebates may help to lower upfront costs.
  2. Your current energy costs — and your future needs. Depending on your situation, you could have relatively low energy bills now and not be as motivated to pursue solar as someone with higher costs. But what does the future look like? If your family is growing, your energy costs are probably about to grow, too, and investing in solar might be worth your while.
  3. The power a system would generate. Have a reputable solar company measure the amount of sun your home gets, taking into account things such as shade, trees, etc., so you can make an informed decision about expected savings.
  4. What your homeowners policy says. With any improvement that increases the value of your home, you need to make sure your insurance policy reflects the change. Give us a call to see if your policy already covers solar panels. If it doesn’t, we can help you amend it.
  5. Your goals. Are you mainly looking to save money? Help the environment? Both? Knowing your goals will help you determine whether solar is the right choice for you, as well as which option makes the most sense. No matter what you choose, even considering solar means you’re thinking about energy a little differently. And that’s a good thing.


Renewable power – it can help protect your from rising energy costs and even power outages, not to mention the good it does for the environment. Just be sure to consider your options and all the costs involved before making the leap.

Contact Us!

At Jason Wright Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 812-402-9008 or send us a note at jason@jasonwrightinsurance.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Lightning Safety

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Lightning Facts and Fallacies

The next time you see or hear a thunderstorm, you might want to take a moment to review what you know about lightning safety. Strikes are most common during the summer thunderstorm season, but they can happen at any time of the year. And, a lot of less-than-accurate ideas about lightning have found a place in the popular imagination over the years. Here’s a look at current knowledge.

Indoor Safety

  • The safest place to be during a storm is typically indoors, but it is important to avoid anything that conducts electricity – metal, landline phones, appliances, wires, TV cables and plumbing.
  • Automobiles can be safe havens thanks to the metal frame that diverts the electrical charge. Don’t lean on the doors during a storm, though.

Outdoor Safety

  • Don’t look for shelter under a tree. If lightning hits its branches, a “ground charge” could spread out in all directions.
  • Don’t lie flat on the ground. This makes you even more vulnerable to a ground charge.
  • Don’t crouch down. Once recommended, the “lightning crouch” has been discredited – it’s not likely any safer than standing if you’re outside during a storm. Instead, get inside or into a car.

Where Strikes Will Happen

  • Contrary to folk wisdom, lightning does indeed strike twice in the same place. The best example is New York City’s Empire State Building. It was once a lightning laboratory due to being struck scores of times every year.
  • Lightning doesn’t only strike the tallest objects. Although tall, pointy, isolated objects are often hit, lightning has been known to hit the ground instead of buildings and parking lots instead of telephone poles.
  • The presence of metal doesn’t affect where and if lightning will strike. Neither mountains nor trees contain metal, and both get struck. However, metal is a conductor of electricity, so avoid it during any storm.
  • Strikes don’t just happen in areas where rain is falling. Even if you’re miles away from a thunderstorm, lightning can still occur.

Finally, it’s important to remember that you won’t be electrocuted if you touch someone who has been struck – the human body doesn’t store electricity. So, by all means, give a lightning strike victim first aid. You might just save a life.

Contact Us!

At Jason Wright Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 812-402-9008 or send us a note at jason@jasonwrightinsurance.com. We want to help you meet your goals, and make sure what’s important to you is protected!

3 Misconceptions That Can Put Your Home at Risk

Cost to Rebuild Coverage

The neighborhood, the amenities, the square footage – you carefully considered everything about your home before purchasing it. So carefully that perhaps your insurance policy was just an afterthought.

However, a home is one of the most valuable purchases you’ll make in life, so it only makes sense to protect it with adequate insurance coverage. But, what exactly is adequate for your home and why? The general rule of thumb is this: You insure your home for what it would cost to rebuild at today’s prices, using today’s building codes and standards.

In the insurance world, we generally refer to this as the “cost to rebuild,” and it’s essential to understand why it’s important. I’ve addressed three insurance misconceptions that should help.

  • Misconception 1: You should always insure your home for the market value.
    The cost of labor, materials and other expenses oftentimes make it more expensive to build a house than to buy one that already exists. And, that’s why you typically insure your home for more than what you purchased it. A home you buy for $200,000 may require $500,000 of insurance to completely rebuild it. Then again, if you pay a premium for the location of your home, you may need to insure your home for less than the market value. For example, you may pay $1.5 million for an oceanfront property and be able to rebuild the home for $750,000. Your home insurance policy would reflect only the cost to rebuild, without factoring in the high value of the land.
  • Misconception 2: Homeowners coverage should stay the same – or even decrease – over time.
    Your homeowners coverage shouldn’t decrease as your mortgage decreases. Just because you owe less on the home doesn’t mean it would cost less to rebuild. If you think about it, the cost of milk right now is far different than it was 20 years ago. Labor and materials go up in price as well, so your insurance shouldn’t fall behind. As you maintain and update your home, such as remodeling the kitchen or adding a deck, you should reassess your insurance coverage, too.
  • Misconception 3: You’re covered if your home needs to be brought up to code during a claim.
    Not necessarily – it depends on your policy. In some instances, you may need to purchase optional coverage to handle the increased cost of bringing your home up to code or complying with local ordinances.

The last thing any property owner wants is for their insurance policy to fall short when they need it. That’s exactly what might happen if you buy into any of these insurance misconceptions.

Instead, work with an independent insurance agent to help ensure you get the home coverage you want – not too little and not too much. An estimate of what it would cost to rebuild your home from a contractor or builder in your area may help, but it’s not necessary. Your agent will talk to you about the square footage, upgrades, special features and other aspects of your home to build the policy you want.

Remember, your insurance doesn’t buy you a house. It repairs or rebuilds the one you’ve got. So, be sure your homeowners coverage reflects the true cost to rebuild.

Why a Home Inventory Is Important

Let’s try a little exercise: Can you list everything you own from memory?

Didn’t think so.

The fact is most people own more things than they realize. It’s easy to remember the cars, the computer, the TV. But what about that holiday china in the garage? Or every pair of shoes?

All of it is regarded as personal property for insurance purposes. And if your home is destroyed by fire or some other disaster, having a list of your possessions makes filing a claim easier — and helps you put your life back together.

Why should I complete a home inventory? What’s the best way?

Comparing the value of your belongings to the “contents” limit listed in your policy helps you make sure you have enough insurance to replace them if they are lost, stolen or destroyed as a result of a covered loss. The easiest way to take an inventory is to use a video camera, recording and describing items as you walk through your house. Or, you can use a regular camera and create a home inventory checklist.

Here are a few tips for completing and storing your inventory:

Add brand names and descriptions where you can, especially on large-ticket items. Serial numbers are helpful to note.

Keep any receipts you have with the list to make the claims process easier.

Store your video or photo inventory offsite so you won’t lose it if your house is damaged.

Update your personal property records when you purchase new furnishings and valuables.

Though the task may seem daunting, it’s important to try. An incomplete inventory is better than nothing at all.

How much insurance do I need?

We can assist you in analyzing your insurance needs and help you decide how to most effectively protect your personal property. You should consider full-value coverage, which will pay for the replacement value of your personal belongings. A standard policy typically covers personal property only up to its actual cash value, determined by taking the replacement cost and deducting depreciation, which can be substantial. (For example, a 5-year-old TV is usually worth much less than what it would cost to purchase a new one.)

Finally, remember your homeowners policy covers valuable items such as jewelry, furs, art and antiques, only up to set dollar amounts. If the cost of replacing them exceeds these limits, you may want to purchase scheduled personal property coverage.

The Insurance Information Institute has a FREE online tool that can help you create your inventory. Just visit www.knowyourstuff.org for more details.

We hope you’ll never need the home inventory, but preparing for the worst can prevent a lot of hassle later!

Contact Us!

At Jason Wright Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 812-402-9008 or send us a note at jason@jasonwrightinsurance.com. We want to help you meet your goals, and make sure what’s important to you is protected!