Insurance Explained by People Who Actually Know It
Real answers to real coverage questions, written by licensed agents — not a marketing department.
No Carrier to Push. Just Coverage to Explain.
Most insurance content online is written to sell you something. Ours isn't. Your Choice Insurance is an independent agency with access to around 40 carriers, which means our advice is based on what's right for your situation — not what benefits a single company's bottom line. Every article on this blog is written by Sara or Sierra, licensed agents with nearly 20 years of combined experience helping Indiana families and business owners make sense of their coverage.
If you've ever felt like you were making coverage decisions without enough information, this is where that changes.
Browse by Topic
Personal Insurance
Home, auto, life, and everything in between — guides to help you understand what you have, what you're missing, and what questions to ask at your next renewal.
Commercial Insurance
Coverage for Indiana small business owners who want to understand general liability, commercial property, and how to avoid the gaps that show up at claim time.
Life Insurance
Practical guidance on how much coverage you actually need, what type of policy fits your situation, and how to stop putting off a decision that protects the people who depend on you.
Indiana-Specific Topics
State minimums, tornado season, local regulations, and coverage questions that come up again and again for Indiana homeowners, drivers, and business owners.
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Questions We Hear All the Time
Is this blog written by actual insurance agents?
Yes. Every article is written by Sara Pyle-Pearce or Sierra, the licensed agents at Your Choice Insurance. Sara founded the agency in 2006, and Sierra has been with the agency for seven years. What you read here reflects real experience working with Indiana clients — not content written by a third party.
How much liability insurance should I carry in Indiana?
Indiana's legal minimum is 25/50/25 — $25,000 per person, $50,000 per accident, and $25,000 in property damage. For most drivers, that's not enough. Medical costs and vehicle repair bills can exceed those limits quickly, and anything above your coverage limit comes out of your pocket. We recommend reviewing your liability limits with an agent before your next renewal.
What does homeowners insurance cover in a tornado?
Most standard homeowners policies cover wind damage, including tornado damage, under the dwelling and other structures portions of the policy. However, coverage limits, deductibles, and exclusions vary by carrier and policy. Some policies have a separate wind or hail deductible. The best time to understand your policy is before a storm — not after.
What is the insurance agent Kokomo phone number for Your Choice Insurance?
Our direct number is 765-393-8900. Call during business hours and someone will answer — no extensions, no menus.
Can I trust insurance advice I find online?
It depends on who's writing it. Content produced by a single carrier is written with that carrier's products in mind. As an independent agency, we have no incentive to steer you toward any particular company. Our articles are written to help you understand your options clearly so you can make a decision that fits your needs — whether you work with us or not.
How often do you publish new articles?
We're building out the blog with practical, Indiana-focused coverage guides. New articles are added regularly, covering topics our clients actually ask about. If there's a question you'd like us to address, reach out — we're happy to write about it.
Have a Coverage Question We Haven't Answered Yet?
We're real people who answer the phone. If something on your policy is confusing, or you're not sure whether your current coverage fits your situation, give us a call or send a message. No hold times, no call centers — just a straightforward conversation with someone who knows Indiana insurance.
