Wenclewicz Insurance

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Wenclewicz Insurance Wenclewicz Insurance offers auto, home, umbrella, life, and business from 10 different companies email: [email protected]

Imagine coming home from vacation and realizing your engagement ring is missing.You retrace your steps. Call the hotel. ...
10/16/2026

Imagine coming home from vacation and realizing your engagement ring is missing.
You retrace your steps. Call the hotel. Search every bag.

Nothing.

You have homeowners insurance, so you assume you're covered.
But here's the part that surprises people.

A standard homeowners policy generally covers personal belongings against specific causes of loss, such as theft.

Simply losing an item or having it mysteriously disappear may not be covered.
And even when jewelry is stolen, your policy may have special limits on how much it will pay.

That's why valuable jewelry sometimes needs additional protection through scheduled personal property coverage or a separate jewelry policy.

Depending on the coverage selected, that protection may include accidental loss.

The time to find out how your jewelry is insured isn't when you're searching the bottom of your suitcase.

If you own an engagement ring, valuable watch, or family heirloom, ask Wenclewicz Insurance whether your current coverage is enough.

You walk out of Target with $200 worth of things you didn't go in for.And now your car has a dent that definitely wasn't...
10/15/2026

You walk out of Target with $200 worth of things you didn't go in for.

And now your car has a dent that definitely wasn't there when you parked. 🙃

No note. No driver. Nobody taking responsibility.

Here's where your insurance coverage matters.

If you have collision coverage, it may help pay for repairs, minus your deductible.

Depending on your policy and the circumstances, uninsured motorist property damage coverage may also be relevant, but hit-and-run requirements and coverage rules vary.
And if you only carry liability coverage?

Damage to your own vehicle generally isn't covered by that liability protection.
Here's what you should do if this happens:

Take photos, document where you parked, ask whether nearby businesses have security footage, and report the incident to police when appropriate.

Then contact your insurance agent before making decisions about a claim.

One of the biggest misconceptions about auto insurance is assuming that if an accident wasn't your fault, you won't have to pay anything.

Unfortunately, that isn't always how it works.

Not sure what coverage you have for a situation like this?

Wenclewicz Insurance can help you understand your options.

This is the kind of situation nobody thinks about when they're choosing auto insurance.You handed your teenager the keys...
10/08/2026

This is the kind of situation nobody thinks about when they're choosing auto insurance.

You handed your teenager the keys.

Your teenager handed them to a friend.

Then the phone rings.

So whose insurance is involved?

In many situations, auto insurance generally follows the vehicle first when a permissive driver causes an accident. But who was driving, whether they had permission, household-driver rules, exclusions, policy language and the circumstances of the accident can all matter.

And suddenly a decision that took a teenager five seconds becomes an insurance question for the entire household.

Here's the conversation worth having *before* your teen starts driving:

Who is allowed to drive our cars?

Not just legally.

According to your insurance policy.

That's a much better question than finding out after the tow truck arrives.

Have a teen driver in your household? Ask Wenclewicz Insurance how your particular policy handles other people driving your vehicles.

Because "I told him he could borrow it" and "my insurance covers him" aren't necessarily the same thing.

Don't treat your renewal notice like another utility bill.Use it as an annual checkpoint.You don't necessarily need to s...
10/06/2026

Don't treat your renewal notice like another utility bill.

Use it as an annual checkpoint.

You don't necessarily need to switch companies.

You don't necessarily need more coverage.

And you shouldn't automatically reduce coverage just because the premium increased.

You need enough information to make an informed decision.

Those five questions are a great place to start.

And this is exactly where working with an independent agency becomes valuable: we can look at the coverage you have, explain what's changed and compare options from multiple carriers when it makes sense.

Save this for your next renewal.

And if that renewal is sitting on your counter right now, contact Wenclewicz Insurance and we'll take a look.

Small causes can create very large losses.A candle gets left burning.Cooking gets unattended.A space heater sits too clo...
10/05/2026

Small causes can create very large losses.

A candle gets left burning.

Cooking gets unattended.

A space heater sits too close to something combustible.

The important insurance lesson isn't never light a candle.

It's understanding whether the amount your home is insured for actually reflects what it would cost to rebuild today.

Construction labor and materials don't necessarily cost what they did when you bought your home.

Your home's market value and its reconstruction cost aren't the same number either.

That's why dwelling coverage deserves a periodic review.

Want to know what number is currently on your policy? We'll help you find it and explain what it means.

Your vehicle has a maximum value.Your liability exposure doesn't work the same way.That's why we spend so much time talk...
10/01/2026

Your vehicle has a maximum value.

Your liability exposure doesn't work the same way.

That's why we spend so much time talking about liability limits and umbrella insurance.

Insurance isn't only there to replace your stuff.

It's also there to protect your finances when you're responsible for something happening to someone else.

As your assets and income grow, your liability protection deserves another look too.

Want to know whether your current limits make sense? Let's talk.

New cabinets.New flooring.New appliances.New countertops.Maybe you finished the basement too.You increased what it could...
09/28/2026

New cabinets.

New flooring.

New appliances.

New countertops.

Maybe you finished the basement too.

You increased what it could cost to repair or rebuild portions of your home, but did anyone tell your insurance company?

Major renovations are one of those things people don't naturally associate with insurance.

They should.

Before your next major home project, add one more person to your call list:

**Your insurance agent.**

Already renovated and never updated your policy? No panic. Just give Wenclewicz Insurance a call and let's review it.

Indiana's minimum auto liability requirements are currently $25,000 for bodily injury to one person, $50,000 per acciden...
09/23/2026

Indiana's minimum auto liability requirements are currently $25,000 for bodily injury to one person, $50,000 per accident and $25,000 for property damage.

Now think about what vehicles cost today.

Or what a serious injury could cost.

Meeting the legal minimum and having enough financial protection are two completely different things.

Your liability limits deserve more thought than:

**"What's the cheapest option?"**

Not sure what your numbers mean? Send us your declarations page and we'll walk you through it.

Don't get hung up on the exact $20.The point is this:Premium is only one number in an insurance quote.When comparing two...
09/21/2026

Don't get hung up on the exact $20.

The point is this:

Premium is only one number in an insurance quote.

When comparing two policies, look at:

Deductibles.

Liability limits.

Replacement cost versus actual cash value.

Optional endorsements.

Exclusions.

And what's actually being insured.

Saving money matters.

But saving $200 this year isn't a win if you've unknowingly removed thousands of dollars in protection.

When Wenclewicz compares policies, we're not just looking for the lowest number.

**We're looking for value.**

Address

7202 N Shadeland Avenue, Ste 207
Indianapolis, IN
46250

Opening Hours

Monday 8:30am - 5:15pm
Tuesday 8:30am - 5:15pm
Wednesday 8:30am - 5:15pm
Thursday 8:30am - 5:15pm
Friday 8:30am - 5:15pm

Telephone

+13172885099

Website

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