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Personal Insurance

Your personal risk management strategy can have a major impact on your family’s financial bottom line. Gaps in coverage and inadequate liability protection could cost you financially.

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Business Insurance

Risk Resource® is a four-step process utilized by General Insurance Services, Inc. to identify, develop, implement and monitor the risk management strategies for you and your business.

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Health & Life Insurance

There are essentially two kinds of health insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses.

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Winter HomeWinterizing your home makes it more energy efficient and protects it from the unforgiving weather of the season. It may sound like a big job, but these tasks can be accomplished in just one week and will prepare you and your family for the coming months.

Maintain Heating Systems

Up to 60 percent of warm air can escape from your ducts before reaching the vents—costing you money on your utility bill. Hire a professional to inspect your furnace and heating ducts, make any necessary repairs and replace old air filters. Doing this every fall will ensure your home’s heating will come with minimal risk.

Similarly, you should also have your chimney inspected and cleaned by a professional chimney sweep each year to clear the flue of debris and soot, which can catch fire if piled up over the years.

Stay Warm

A thick layer of insulation is your home’s first defense against the cold, but your pipes will need some extra protection. Wrapping your pipes prevents them from freezing and reduces heat loss. Keep your thermostat set no lower than 65°F to protect your pipes from getting too cold.

Have you heard that warm air rises? If there was a way you could redirect that warm air back down, you wouldn’t have to spend as much money heating your home. And guess what? There is a way! Every ceiling fan has a switch that reverses the direction of your fan blades, effectively pushing warm air back down.

With heating systems constantly running during the wintertime, the risk for home fires skyrockets. Install fresh batteries into your smoke and carbon monoxide detectors to ensure your home’s protection.

Outdoor Maintenance

The outside of your home needs more attention than the occasional driveway sweep. Mainly, your trees. Trim away any branches near your roof, windows or driveway that could break and fall under the added weight of snow and ice. Such falls could cause property damage or injury to anything or anyone below.

Ever heard of ice damming? It’s when leaves and debris clog up your gutters, which prevents proper drainage. Backed up water can freeze, which can cause serious damage to your home if melting snow seeps into your home rather than draining off of your roof. Routinely clean your gutters to prevent potential water damage.

Protect you home during Mother Nature’s harshest season. Call General Insurance Services at 800-961-0953 for more information on Michigan City home insurance.
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General Insurance Services
Michigan City
421 Franklin Street
Michigan City, IN 46360
(219) 879-4581
(800) 961-0953
M - F 8am-5pm
General Insurance Services
Valparaiso
4208 Calumet Ave, #100
Valparaiso, IN 46384
(219) 464-3511
(888) 844-8376
M - F 8am - 5pm
General Insurance Services
La Porte
1200 Michigan Ave.
La Porte, IN 46350
(219) 362-2113
(800) 766-4478
M - F 8am - 5pm
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